After you apply for financial aid, take the time to choose the right program.
There are many types of scholarships, loans and grants available for college students who need financial assistance. All are based mainly on your individual needs. You'll need to figure your...
The costs of a college education continue to rise. Many prospective students have to scramble to put together funds to finish their studies. Understanding how student loans affect eligibility for...
Wage garnishment is a lender's last resort, and should be yours as well. If you simply cannot pay off your loans, the Department of Education will begin taking a small percentage your paycheck to...
A damaged credit report can hurt you for many years to come. It can prevent people from getting a car, house or loan. If you defaulted your student loan due to failure to pay, your credit report...
Getting a loan forgiven requires a lot of dedication and time, and is still pretty unlikely to occur. One major change that occurred in 2005 when the U.S. Bankruptcy Code was overhauled was that...
Forgiving student loans by being a teacher in a low-income area is a way to encourage those in the education field to remain there. Many low-income areas need teachers, and if you have a passion...
If you are sick of writing checks or trying to remember when your student loan payment is due, then you should consider starting an automatic debit from your bank account. Having a student loan...
If you're out of college and having trouble handling your debt, you might want to consider consolidating your loans. This is a common problem for college graduates, but there are many options for...
Deferring is not the same as defaulting. Defaulting on a loan is severely damaging to your credit rating, while deferment is common and usually goes unpenalized. Here are some steps to understand...
The Income Contingent Repayment Plan (ICR) is designed to help students destined for low salaries (because of careers in nonprofit organizations or public service) pay off their student loans. The...
Yes, it's called a student loan and it's meant to pay for school, but what constitutes a school expense? Whether you’re scrupulous or paranoid, you might want to find out what to do with that...
Not everyone that goes to college is a legal adult. Many are still just under the age of 18, and there are always the whiz kids who somehow make it to college even younger! If you need to pay for...
Just because the rent for your apartment doesn't show up on the bill from your university doesn't mean it's not a school expense. Off-campus housing can be paid for with financial aid. Here’s how...
If you've heard rumors about the feds hunting people down and tossing them in jail for old student debts, you might be interested in making sure all your old loans are in good standing. While it's...
There are two main kinds of student loans, subsidized and unsubsidized. While the two are fairly similar, there are some striking differences between them. These steps will help you differentiate...
If your financial circumstances change, you'll want to re-finance your student loans through consolidation, extending your pay period or lowering your monthly rate. Here's how to re-finance a...
Deferment of a student loan occurs when your lender allows you to temporarily postpone payment on your principal. This can affect your future credit rating because credit reports show how often...
There are numerous factors that play into how much you can borrow on a student loan. These factors include what kind of loan you get, your status as a dependent and what level of college you are...
It’s wonderful to get a student loan that has a great interest rate. But once you’ve got the loan, then what? Follow these steps to collect your student loan money.
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