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Latest Posts in Lower Payments

How to Exclude a High-Income Year from Income Driven Repayment Calculations

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

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How 401(k) and 457 Retirement Plan Contributions Lower Student Loan Payments

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

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tips for lower student loan interest rates

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

Whether you are struggling or cruising to debt elimination, there are options to get a lower interest rate.

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Get 0% Interest on FFEL Student Loans During Covid-19 Forbearance

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

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Get a Lower Interest Rate on a Firstmark Services Student Loan

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

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shelter breakdown

Sheltering Income for lower Student Loan Payments

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

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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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student loan borrower shakes hand after reaching a deal with lender

How to Negotiate a Lower Interest Rate with a Student Loan Lender

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

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Lower Payments Strategy Puzzle Pieces Fitting Together

Sherpa Tip: Ask for Lower Payments Even If You Don’t Need Them

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

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  • 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