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Category: Student Loans & Repayment


More borrowers may qualify for public service loan forgiveness

Posted on April 4th, 2018

A new bill passed by Congress will make it easier for student loan borrowers to qualify for student loan forgiveness, CNBC reports.

The bill gives the Department of Education $350 million to offer forgiveness to student loan borrowers who meet all requirements for public service loan forgiveness except that they were enrolled in graduated or extended repayment plans, which were ineligible for relief.

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Yes, student loans have origination fees too

Posted on January 22nd, 2018

Most people understand that student loans come with interest — which can add several thousand dollars onto the life of the loan, especially if you extend out your payments.

But many people don’t realize that federal student loans also come with origination fees, much like mortgages or car loans, which can add significantly to student debt totals.

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Your grace period’s over — here’s how to deal with student debt

Posted on November 19th, 2017

Since it’s now been six months since May college graduates left school, it’s time for them to confront the reality of paying off their student debt. The end of the student loan grace period means that students will start receiving bills from their student loan servicers.

Here’s how to take control of your student debt once your grace period is over — and what you can do before to make it easier.

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Student loan balances have increased nearly 150% in last decade

Posted on September 5th, 2017

"In most cases, higher education is worth the investment because student loans pay off in the form of higher income over time. However, it's especially important for young people to understand the terms of their loans." -- Rod Griffin, director of public education at Experian

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Tips On Paying Off Student Debt While Saving For Retirement

Posted on May 17th, 2017

Student debt continues to be a major issue for college students and graduates in the U.S.

U.S. total student debt is now over $1.4 trillion, and the average debt for a college graduate in 2016 was $37,000. And 44 million Americans now have student debt to their name.

The video below gives tips on how student loan borrowers can avoid falling behind on their payments. It also explains why millennials should be saving for retirement even if they have student debt.

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Student Loan Refinancing Companies: Credible

Posted on April 17th, 2017

The second post in our student loan refinancing companies series focuses on Credible, a student loan refinancing marketplace that gives you access to multiple lenders with just one application.

Credible doesn’t do any lending itself, but rather aggregates personalized offers from different lenders, including banks and online companies. This allows you to apply for refinancing with multiple lenders all in one place.

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Many U.S. college graduates’ wages have fallen since Recession

Posted on March 31st, 2017

While a Bachelor’s Degree is a prerequisite to most good-paying jobs these days, many college graduates have not seen their incomes increase since the 2007-09 recession, a new study finds.

The biggest factor in whether or not wages increased was a college graduate’s major, the study found.

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Student Loan Refinancing Guide: SoFi

Posted on March 21st, 2017

With private student loan interest rates on the rise, and the high cost of college forcing many students and parents to take on debt to pay for college, student loan refinancing has emerged as an option for borrowers to reduce their interest rates (depending on their credit score) and save money on repayment.

Find out why you should consider refinancing your student loans, and learn about SoFi, one of the best-known student loan refinancing companies.

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New program would help college grads buy homes in Upstate NY

Posted on January 18th, 2017

"Upstate colleges and universities have world-class programs that produce highly skilled graduates — who then leave for opportunities elsewhere. This program will incentivize recent graduates to put down roots in upstate communities, helping to bring new energy into their downtown centers, spur their development and increase their economic vitality." -- New York Gov. Andrew Cuomo

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Bankruptcy becomes an option for some student loan borrowers

Posted on January 1st, 2017

We’ve written before about how student loans, unlike other forms of debt, can’t be discharged in bankruptcy–which is why it’s so important to be careful about how much you borrow.

Bankruptcy law says that, without proving “undue hardship,” a borrower can’t discharge a loan made for an “educational benefit.”

Recently, however, bankruptcy courts have started ruling in favor of some student loan borrowers and have allowed them to discharge their debt, according to The Wall Street Journal.

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