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Subsidized Student Loans vs. Unsubsidized Student Loans

Most federal student loan borrowers receive both subsidized student loans and unsubsidized loans. What is the difference? Subsidized student loans have an advantage over unsubsidized student loans because they do not accrue interest while the borrower is still in school. What does “subsidized” mean? The Department of Education pays the…

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how do student loans affect your credit score
Student Loans Affect Your Credit Score

A credit score is a measurement of a person’s trustworthiness to repay their debts. Scores range from 300 (very poor) to 850 (excellent). A person with a high credit score has a history of on-time payments, a reliable income, and a relatively low amount of existing debt. Establishing a good…

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5 Tips to Pay Down Your Student Loans Faster

  1. Set up automatic payments. Most servicers have an option to automatically deduct your monthly payment from your bank account. You may even receive a 0.25% discount on your interest rate for enrolling. 2. Pay a little extra towards your principal. Making payments greater than your monthly balance is one of…

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Financial Aid Options Beyond FAFSA

Nearly 20 million students borrowed billions of dollars to pay for college through FAFSA last year. However, FAFSA doesn’t always cover all higher education expenses and many families find themselves financially strained during the school year. For those whose Federal aid fell short, consider the following options. Improve Your Income In 2015, 43…

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Differences Between Income Driven Repayment Plans

The Consumer Financial Protection Bureau (CFPB) recently reported that 90% of the highest risk student loan borrowers were not enrolled in an affordable repayment plan. Millions of federal student loan borrowers can lower their monthly payments by enrolling in an income driven repayment (IDR) plan. The same CFPB report found that borrowers…

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These Five Student Loan Myths Are Making You Lose Money

If you have student loans, it’s important to understand common student loan myths to avoid losing money. Whether refinancing your college debt, paying off a loan early, or looking into loan forgiveness, know the truth before changing your loan status. Myth 1: You Can’t Pay on Your Student Loans While…

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