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 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


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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