student loan refinance and consolidation
Once you graduate from college and begin dealing with the pressure of repaying your student loans, you may want to consider student loan refinance and consolidation. Refinancing and consolidating can help keep your life simple when it comes to paying off your student loan debt.
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federal student loans
Federal Direct Loans are loans for students and parents to help pay for the cost of a student's education after high school. The lender is the U.S. Department of Education. The money you borrow must be used for any school costs including tuition, fees, books, supplies, or room and board. Here are the types of loans available through the Federal Direct Loan Program.
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.
grad plus loan
Grad PLUS loans are federal loans that are available to graduate and professional students. Here's an overview of the Grad PLUS loan program.
tips for repaying your student loans
After you graduate, leave school, or drop below half-time enrollment, you will soon have to start repayment on your student loans. Understanding the repayment process for these loans will help you build a solid financial foundation. Utilize the following tips to repay your student loans.
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.
student loan forgiveness options
Student loan forgiveness is a process in which all or part of a borrower's federal student loans can be canceled. In order to qualify for forgiveness programs, a borrower must meet very specific eligibility requirements. Here are the most common ways to obtain student loan forgiveness.
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.
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 plan
Income-Based Repayment (IBR) is a 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.
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