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The Seven Types of Student Loan Deferment

After several extensions, COVID-19 relief for federal student loans is scheduled to end in January. What does that mean for borrowers? If your loans were current when the special forbearance went into effect, you should plan to resume making payments. If your federal student loans were delinquent or in default at the time, collection efforts […]

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What You Need to Know About Private Student Loans

When most people hear “student loans,” they’re thinking of federal student loans that are issued by the Department of Education and managed by a variety of loan servicers. But in addition to these widely known federal student loans, there are also private student loans. These are loans issued by banks or other financial institutions directly […]

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How Do I Pay My Student Loans When Living Abroad?

Living and working outside the United States is an exciting way to see the world and experience other cultures. For United States citizens in the process of paying back federal student loans, it can pose some challenges, and present some opportunities. Let’s take a look at some of the details of repaying student loans while […]

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Getting Started with Student Loan Repayment

For student loan borrowers, getting started with student loan repayment can be a daunting task. It is even more challenging if they haven’t been keeping up with their loan details throughout the borrowing process. Gathering some basic information and understanding a few key facts will make the process easier. These are the questions and information […]

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The Consequences of Student Loan Default

Allowing student loans to go into default can have serious financial consequences that can affect your credit for years to come. Here’s what you need to know:  Direct Federal Student Loans are in default when they reach 270 days past due Family Federal Education Loans are in default when they are 330 days past due […]

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What is Student Loan Rehabilitation (And When Do You Need It)?

Having student loans go into default can be confusing and overwhelming. And the financial consequences can be serious if the loan holder doesn’t take action to remedy the situation. Direct Federal Student Loans are in default when the borrower has not made a payment in more than 270 days. Family Federal Education Loans reach default […]

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What to Do If You Default on Your Student Loans

With student loan debt now totaling $1.3 trillion in the United States, the student loan crisis has reached a fever pitch and now affects more than 40 million Americans. To compound the crisis, the Consumer Financial Protection Bureau reports that one in four borrowers are in delinquency or default on their student loans. Student loans […]

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Do You Qualify for Public Service Loan Forgiveness?

If you’re like most recent college graduates, you’re probably making payments on student loan debt.  But did you know there’s a special program especially for people who work in public interest careers? It’s a way to reward people working toward the common good — in jobs that are not necessarily high in income. The Public […]

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Tips for Borrowing Student Loans Wisely

College tuition is rising nationwide – and student loan debt is following at record rates. If you’re considering a student loan, ask yourself a few hard questions first. A realistic approach, combined with a few smart choices , will help you keep debt to a minimum and assure your personal financial well-being after college. Here […]

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Student Loan Borrowers: Do You Have an FSA ID?

You may have noticed federal student aid websites now ask you to provide an FSA ID in order to apply for student aid, access information about existing student loans, complete entrance and exit counseling, apply for a loan consolidation or enroll in an income-driven repayment plan. This is a change from the longstanding four-digit, FAFSA […]

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