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Getting the most from your minimum payment

Some minimum payments are better than others. Careful borrowers can maximize the value of each minimum payment.

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family options

Parent’s Guide to Finding the Best Student Loan for Your Child

Federal student loans are the best option, but after maximizing federal loans, the next best choice depends upon a few different circumstances.

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Why rush to pay off my student loans if I can deduct the interest?

A student loan interest deduction is a nice perk at tax time, but it isn’t valuable enough to change student loan repayment strategy.

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Should I Consolidate My Federal Loans Into A Private Loan?

Private consolidation of federal loans has major risks and major rewards. With no way to undo the decision, borrowers need to be certain they’re not making a mistake.

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light bulb idea erase student debt

Should I Borrow Extra Student Loans to Maximize Forgiveness?

If student loan forgiveness is your plan to pay off your student loans, borrowing extra might seem harmless. However, there are a few major risks.

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taking a close look at Sallie Mae Smart Option loans

Sallie Mae Smart Option Private Student Loan Review

Sallie Mae loans almost always have a cosigner and the rates offered range from excellent to truly awful.

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plan B on student loan forgiveness for all

Eight Alternatives to Student Loan Forgiveness for All

Student loan forgiveness for all and debt cancelation are controversial solutions to a major problem. Other options might not be as helpful, but could be easier to make a reality.

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next step

Out of Deferments and Forbearances? What to do next…

If a deferment or forbearance isn’t available on your student loans it is time to explore some more creative options to keep payments affordable.

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clock money home

Refinancing a Mortgage for Student Loan Borrowers

Student loans are an obstacle for borrowers that want to refinance their house, but there are ways to get student loans ready for the application.

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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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