For students who have extremely bad credit or lack of any credit, getting a student loan without a cosigner is not as difficult as some may fear. Most students used to rely on private student loans. A private student loan would allow companies to loan student’s funds, but usually had a high interest payment when the student was required to pay the loan back. Between the years of 2008 and 2009, many students went to [...]

Graduating can be a trying time in a person’s life; whether the individual is in his early twenties or late fifties, he will struggle with the same life monsters as everyone else.  Will I get a job?  Should I try to further my education even more?  How am I going to manage my student loan payments?  Although there are no easy answers to the two former questions, there is plenty of help in regards to [...]

As anyone who has attended college in the last decade can attest, knowledge may be priceless but college certainly isn’t free.  The vast majority of college graduates are inundated with loans by the time they receive their degrees.  The degrees may vary in amount, interest rate, and type; for this reason many individuals find themselves looking to refinance their student loans and shopping around for the best student loan refinance rate. What Are the Advantages [...]

Today’s market continues to struggle to gain steady financial footing; this can translate into tough situations for student loan recipients.  Despite this fact, it is widely thought that now is the best the time to consolidate loans under one lender, and this is mostly true.  Today’s interest rates are significantly lower than they were five or six years ago, and let’s face it – financially strained graduates need all the help they can get.  Of [...]

Recipients of student loans are often at a loss when it comes to post-graduation financial activity.  Deciding whether one should consolidate or refinance loans can be quite arduous and is a task that should not be taken lightly.  There are two basic types of student loans:  federal and private.  Federal loans are granted through the government and are relatively easy to consolidate through the Federal Direct Consolidation Loan Program.  However, private loans are another story [...]

Every aspiring college graduate knows the toil and turmoil of student loans.  The Free Application for Federal Student Aid (FAFSA) must be completed and some institutions even require the College Scholarship Service Profile (CSS Profile) to be filled out.  It can seem like a minor miracle to complete the aid process and receive a loan to aid in paying for college expenses.  After graduation, when the loans have piled up and it’s time to start [...]

Many recent college graduates are inundated by the pressures placed upon them to repay their student loans.  The fees and charges of these loans can be incredibly high and many students accrue several separate loans throughout the course of their collegiate careers.  When faced with these multiple loans and the task of repaying them, many individuals find themselves looking for ways to lower their student loan payments.  Herein, there are 5 ways to lower student [...]

There are many different types of student loans available:  Federal Stafford, Federal Perkins, Federal Parent PLUS, and various private loans.  Each of these loans has their pros and cons, but Stafford loans are considered one of the best and most common options available for borrowers.  Upon graduation, many borrowers are interested in learning how to refinance their Stafford loans; this can be a confusing and oftentimes frustrating process, but can provide many benefits and great [...]

Many individuals find themselves wondering how to refinance student loans.  Due to financial constraints or the need to simplify financial matters, many people find themselves looking for ways to pinch pennies and save money wherever they can.  For most college graduates, a way to do this is to refinance their student loans. Why Would an Individual Refinance Student Loans? Most people refinance their student loans with the aim of reducing monthly payments and saving money. [...]

All graduates have a few common goals:  end their academic career on a high-note, get a profitable job, start down the road to a rewarding career, and cut financial corners wherever possible to make ends meet until they reach their goals.  Of course, there are several ways in which to save money.  However, with the current questionable state of our economy, people’s purse strings are pulled tighter than ever.  One of the best ways for [...]