think about your repayment plan when taking out student loans
If you will be taking out student loans to pay for college, it is imperative that you borrow responsibly and make sound investments in your education.
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deferments and forbearances
After you graduate from college and enter your student loan repayment period, you may encounter special circumstances that make it difficult for you to pay back your loans. If this situation arises, then you can request a deferment or forbearance that will adjust or delay your loan payments.
tax rewards for your college spending
There are numerous tax credits and tax benefits to help families manage the cost of higher education. Here is an overview of some of the programs available.
federal student loans
There are three types of loans available through the Federal Family Education Loan Program (FFELP) with interest rates well below average and special repayment schedules. The money you borrow must be used for any school costs including tuition, fees, books, supplies, or room and board.
borrower responsibilities and rights
When you take out a Stafford loan, you will have certain responsibilities and rights as a borrower. Make sure you are familiar with the following responsibilities and rights before you sign the promissory note.
income-based repayment
Income-Based Repayment (IBR) is a new repayment option for federal student loans. IBR can help make your student loan payments more manageable by determining your payment amount based on your income and family size.
grad plus loan
Grad PLUS loans are an expansion of the FFELP PLUS loan program and are available to graduate and professional students. Here's an overview of the Grad PLUS loan program.
student loan repayment
Did you know that special programs and options exist for student loan repayment? Here is what you should know about paying back your student loans.
student loan repayment calculator
The student loan calculator is a very valuable tool that will estimate your monthly student loan payment. This estimate will help you realistically decide how much money you can afford to borrow.
private student loans
Private student loans help fill in the gaps when other sources of aid have been depleted or when annual federal loan limits have been reached.
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