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student loan interest not principal

Getting Student Loan Payments to Count Towards Principal and Not Interest

Payments toward interest are profits for lenders. Payments towards the principal balance eliminate debt.

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Empathy and the Case for Student Loan Forgiveness

As borrowers, we need to do a better job making the case for student loan forgiveness. We need to earn the empathy of our fellow Americans.

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Old IBR vs. IBR for New Borrowers: Comparing IBR Plans

IBR and IBR for New Borrowers sound similar, but the two plans have different monthly payments and different rules for student loan forgiveness.

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Missing IBR or PAYE Certification is REALLY Expensive

Capitalization of interest on IBR, PAYE, and REPAYE makes failing to re-certify on time a costly error.

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Should I Put Money in a 401(k) or Pay Down My Student Loans?

Having student loans doesn’t mean you should ignore your retirement accounts. In some cases, it is better to save for retirement than it is to pay down debt.

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Are You Getting Suspicious Calls About Student Loan Consolidation?

Student loan consolidation is a legitimate process, but calls advertising consolidation services are often scams.

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4 Student Loan Secrets that Everyone should Know

Life with student loans can be overwhelming and stressful. Because of this, many student loan secrets fall under the radar.

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These Student Loan Refinance Lenders Offer the Easiest Approvals

The best way to avoid rejection in a student loan refinance application is to focus on the lenders with high approval rates.

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How to Get the Full Value of Federal Student Loan Forgiveness Programs

Getting the full value of federal student loan forgiveness programs requires more than just paying the minimum to maximize forgiveness.

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  • Tools
    • Old Income-Based Repayment (IBR) Calculator
    • New Income-Based Repayment (IBR) Calculator
    • Repayment Assistance Plan (RAP) Calculator
  • RepaymentPLANS & FORGIVENESS
    • Lower Payments
    • Student Loan Forgiveness
    • Cosigner Issues
    • Repayment Plans
    • Loan Servicers
    • Consolidation
    • Debt Elimination
    • Parent PLUS Loans
  • RefinanceRATES, TIPS & REVIEWS
    • Refinance Reviews
    • Best Interest Rates
    • Lender Comparisons
    • Refinance Strategy
  • Life with LoansMARRIAGE, TAXES & MORE
    • Retirement
    • Home Ownership
    • Marriage
    • Taxes
    • Scam Alerts
  • PlanningSTUDENTS & PARENTS
    • Paying for School
    • Student Loan Reviews
    • Income Share Agreements
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