Blog
Our blog is designed to provide information regarding some of the critical topics those with student loans must be aware of to be able to make educated decisions regarding their future.
How to Know if You Qualify for a Tuition Waiver
Applying for a tuition waiver is becoming more and more of a necessity for students. The costs of going to college are at an all-time high with little sign that increases will abate. Americans are repaying $1.4 trillion in student loans. Tuition and fees for an average non-profit private four-year college were $34,740 in the 2017-2018 school year.…
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10 Ways to Stop Living Paycheck to Paycheck
The rush of payday is exhilarating. If you’re like many people, as soon as money hits your account, you treat yourself to a night out or new clothes. Then, you’re struggling to pay bills before your next paycheck comes and wondering where all of your money went. If this sounds like you, you’re not alone. Three-quarters of workers…
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Peace Corps Loan Forgiveness Program
If you are looking to be a real-life hero and change the world through the Peace Corps program, or if you already served in the Peace Corps, you should know that your time served would qualify for loan forgiveness. While there is no actual Peace Corps Loan Forgiveness program, there are other federal programs that are available to…
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Student Loans & Capitalized Interest: What You Should Know
What is Capitalized Interest? Capitalized interest is the addition of any unpaid interest on your loan payment being added to the total principal balance of your loan. Loan payments are broken down into two parts, principal and interest. The amount of principal and interest for the payment depends on the length of the loan, the interest rate, and…
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What’s The Difference Between Subsidized vs Unsubsidized Student Loans?
To understand what the differences are between a subsidized vs unsubsidized loan, it important to know what the word subsidized or subsidy means. According to Webster dictionary, a subsidy is a sum of money granted by the government or a public body to assist an industry or business so that the price of a commodity or service may remain…
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Grace Period and How It Relates To Your Student Loans
When Referring to Student Loans What is a Grace Period A grace period is one term that’s provided for student loans that allow you to delay payments up to a certain length of time, without penalty. During a grace period no late charges would apply, and the loan would not risk falling into default for missed payments. The grace…
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Discretionary Income – What it is and how to calculate it
Discretionary income is a term that is used a lot in regards to student loans. It’s used when calculating student loan payments under all of the income driven repayment plans. It’s also something that changes annually based on certain factors both within and outside of the borrowers control. It is important to understand what is discretionary income, how…
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Parent PLUS Loans
What is a PLUS Loan? A PLUS loan is a type of federal loan that helps students supplement their financial aid. PLUS loans are intended to fill in the gaps where other sources of aid and family contribution fall short. PLUS loans can be used to pay tuition at qualifying universities, colleges, and career schools, and they can…
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Debt Consolidation A Step-By-Step Guide
According to the latest data from the Federal Reserve, total consumer debt in the US reached $3.6 trillion in 2016, with total average American debt being over $13 trillion in 2017. This comes out to roughly $11,140 in unsecured debt for every single American. These unsecured debts include credit cards, personal loans, medical bills, student loans, and many more.…
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Credit Repair: 3 Simple Steps
In a perfect world, all of us would have an excellent credit history. But in reality, sometimes things happen, and mistakes are made. Unfortunately, these mistakes can stay with us long after we’ve dealt with them in the form of our credit history. As it turns out, as of 2016 the average credit score in America is 695…
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