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©2017 by Financial Coach Meagan - MRLandress, Inc. 

January 27, 2019

If you have a very HIGH debt to income ratio, meaning your student loan balance is more than your income (especially when it's 2x or more your income) - you're safe haven is going to be relying on income-based federal forgiveness programs for your federal loans. What t...

January 27, 2019

A question I get asked very frequently is: "Should I consolidate my federal student loans into a private consolidation loan?" And my answer is... it depends, but USUALLY no.

Reason being... private student loan debt & federal student loan debt is not an apples-to-apples...

January 26, 2019

FIRST STEPS:

First and foremost - you need to identify and refine your goals for your student loan debt... There are a few things to consider here: 

1) How quickly do you want get out of student loan debt?

- Are you absolutely adamant that you want this gone as soon...

January 15, 2019

COMMON DEFINITIONS FOR ALL PLANS:

Capitalizationis the addition of unpaid interest to the principal balance of your loan. This will increase the principal balance and the total cost of your loan.

A deferment is a period during which you are entitled to postpone repayment...

January 11, 2019

Pros & Cons to Loan Consolidation:

A Direct Consolidation Loan allows you to consolidate (combine) multiple federal education loans into one loan. The result is a single monthly payment instead of multiple payments. Loan consolidation can also give you access to additio...

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