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"Private student loans should be avoided at all costs." Suze Orman
Better educating our college students on the risks of high student debt and helping them to find alternatives to taking out student loans would help make the difference to their financial future. Darryl Glenn
TIPS:
Never borrow more in the 4 year degree than you will make on your first year earnings working at that degree or career chosen
See if you qualify for Public Loan Forgiveness program like doing homesteading, or working for government, military, emergency management , public safety, law enforcement, public health and public education.
Borrow only from the Federal student loan program avoid private loans at all cost
Additional resources:
Working with student loan borrowers that were already in repayment - Learn more about resources for students that were in repayment prior to the payment pause.
Working with student loan borrowers that are entering repayment for the first time - Learn more about resources for students that will be entering repayment for the first time.
Working with borrowers that are in default – Learn more about the Fresh Start Initiative.
Working with borrowers that may qualify for loan forgiveness, cancellation, or discharge – Learn more about loan forgiveness, cancellation, and discharge programs.
Working with service-disabled veterans with student loan debt that may be eligible for loan discharge – Learn more about Total and Permanent Disability discharge.
Working with Servicemembers and military families – Learn more about the financial aid toolkit for counselors working with military families.
Sign up as a supporting organization to help get the word out about return to repayment – Join the campaign.
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What happens to my federal student loans if my income drops?: f you’ve experienced an unexpected loss of income, even temporarily, you have options. If you have federal student loans, you can bring your payments down to $0 for a year, without accruing additional interest.
Do you still have questions about student loan repayment?
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Savi Student Loan Debt Repayment Tool for all nonmembers, AARP members and their families: Take a free assessment, explore forgiveness options, get tips to help you lower your or your family’s monthly payments, and get one-on-one student loan support.
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Help is here! Income-driven repayment plans - like Income-Based Repayment, Pay As You Earn, and Revised Pay As You Earn - cap your federal student loan payments at a percentage of your income.
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If you have student loans please listen to these 2 podcasts. You will find useful information about many options you have to include how to restructure those students loans, best repayment options, about rehabilitation, consolidation and even about loan forgiveness and much much more!!.
1) Podcast #258 11/10 1hr from Radical Personal Finance
Do you have student loans? Here's what you need to do!
https://itunes.apple.com/us/podcast/radical-personal-finance-financial/id896153632?mt=2&i=356904849
2) Podcast #214 06/30 1hr. 30min.
Radical Strategies for Dealing with Student Loans: Interview With Jay Fleischman, Attorney and Host of The Student Loan Show
https://itunes.apple.com/us/podcast/radical-personal-finance-financial/id896153632?mt=2&i=346220950
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I don't like student loans.... I think you should avoid them at all cost by getting grants and scholarship and by going to state schools, working part time and/or going to school part time. But if you already have student loans ... the best thing you can do is refinance.. here is one place to go:
SoFi: Student Loan Consolidation and Refinancing Sofi is a leader in marketplace lending and the largest provider of student loan refinancing.
There is a new tool that helps you compare repayment options called Federal Student Aide repayment estimator. Use the Repayment Estimator when you're:
beginning repayment of your federal student loans for the first time; or
exploring repayment options based on your income
Other tools you may use:
1) IBRinfo: an independent, non-profit source of information about new federal student loan payment and forgiveness programs
2) How to Repay Your Loans | Federal Student Aid
How Does Student Loan Rehabilitation Work?
The Best Student Loan Debt Blogs
Student Loan Hero Calculators and tools to pay off student loans. Refinance and consolidate student loans, learn about income based repayment, public service student loan.
Tip: Do not refinance federal student loans because they have a lot of flexibility on the payback schedule like loan forgiveness, loose job-no payment, help with pay cut, pay as you earn. Exception: if you are a high income earner you will not get this flexibility.. if you know you can pay and have high income use private loans to refinance. If your employment is not stable or you are not making enough money then it is better to stay with the federal loans. Do not refinance in this case.
A lot of college students today find themselves in a serious financial crisis
When college students were asked to write a simple essay about money, the themes that emerged were so much more than kids learning to manage money. They painted a picture of students in financial crisis: Working full-time while going to school full-time and still not being able to pay their bills. Cancer. Divorce. Job loss. Foreclosure. In CNBC's "My College Dream" series, students share their college dreams, the financial challenges that popped up along the way and where they are now. Read in CNBC: https://apple.news/AV1teIV45ROindwvR5aJ4Ng
When you pay student loan off get records from the lender that the loan has been paid off in full and keep these records forever
Snowball Wealth was created to provide free student loan advice. Their free website will allow you to connect your student loans, and create a plan that works for you.
Meet the lawyer who had $38,000 in student debt forgiven
The Full List Of Student Loan Forgiveness Programs By State
PODCASTS:
Student Loan Forgiveness: Essential Update | Travis Hornsby | Ep 437 Student Loan Forgiveness: Essential Update | Travis Hornsby | Ep 437 5/14/2023
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