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Balancing Student Loans, Debt, and the College Experience

Going away to college to get the “college experience” is a reasonable goal, but making smart student loan decisions is critical.

Making extra payments towards your student loans is a smart move. Giving the right instructions to lenders is an essential step.

Financial discussions before starting school are difficult, but they are way better than regrets over bad choices.

Federal direct consolidation is an essential move for some student loan borrowers and a huge mistake for others.

Cosigning is a major risk, which makes it hard to find the right person with a great credit score and steady income.

Options to convert private loans into federal loans are very limited. However, in certain circumstances, it is possible to make the conversion.

Student loan repayment on a $15 per hour salary presents plenty of challenges, but there are opportunities for borrowers to eliminate debt.

A college degree doesn’t have to mean a lifetime of living with student loans.

Smart borrowers usually target a private loan, high-interest loan, or low-balance loan.