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Latest Posts in Lower Payments

Lower student loan payments aren’t just for borrowers in crisis. This section explores strategies like interest rate reductions, income sheltering, and smart repayment hacks.

Do I need a divorce for lower student loan payments?

There is a marriage penalty with student loans. Careful repayment plan selection and tax preparation often means that resorting to a divorce isn’t necessary.

Read more

Getting a Lower Interest Rate with Navient

Navient may temporarily reduce interest rates to help borrowers struggling with their loans. Learn how to apply for the Rate Reduction Program.

Read more

Lowering the monthly payments on your Federal Student loans

Federal student loans come with many borrower protections to lower monthly payments. Refinancing is also an option, but it comes with major risks.

Read more

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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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