Lower Payments Archives

12 Ways to Get a Lower Interest Rate on Your Student Loans

Looking to cut your student loan interest rate? From auto-pay discounts to refinancing options, here’s how to save — with the latest 2025 updates.

Putting money in a retirement account can mean lower student loan payments and more student loan forgiveness.

A jump in income can make monthly payments unaffordable. However, it is possible to skip a high earning year from IDR calculations.

Many FFEL loans don’t qualify for the Covid-19 interest freeze. Federal Direct Consolidation can fix this issue for some borrowers.

There are several different strategies available for Firstmark Services borrowers to reduce interest rates and get lower monthly payments.

It is possible for student loan borrowers to have income excluded from their income-driven repayment plan calculations.

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

Negotiating terms with student loan lenders isn’t easy, but it is possible in several different circumstances.

Lower payments free up cash to attack high-interest student debt. The same monthly spending can put a bigger dent in your debt.