Students

Our Credit.com experts provide you with common sense student loan advice. Find out what to consider & how to get the best deals when shopping for loans or credit cards to finance college. Understand the impact of deferring student loans, how to manage your payments during college and post-college and how student loans can affect your credit.

3 Surprising Reasons to Attend Community College First

3 Surprising Reasons to Attend Community College First

3 Surprising Reasons to Attend Community College First

Community colleges are rarely perceived as having the same level of prestige as many four-year universities. Unfortunately, that can lead eager new students to pass them up despite their many benefits. What are those benefits, exactly? Few people would be shocked to hear community colleges are less expensive than four-year universities. But you might be... Read More

5 Things Every Student Loan Borrower Needs to Know

5 Things Every Student Loan Borrower Needs to Know

5 Things Every Student Loan Borrower Needs to Know

Have you looked at the cost of attending college recently? The price of tuition and fees has increased, on average, $280 per year for the last decade, according to College Board. That adds up over time, so it’s no wonder many turn to student loans to afford their education. But now that you’re approaching the... Read More

Here’s When You’ll Owe Taxes on Forgiven Student Loans (& When You Won’t)

Here’s When You’ll Owe Taxes on Forgiven Student Loans (& When You Won’t)

Here’s When You’ll Owe Taxes on Forgiven Student Loans (& When You Won’t)

If you’re facing a hefty student loan balance, then you may have already considered pursuing student loan forgiveness to avoid repaying your loans. But you might not know: Student loan forgiveness is often taxable. These taxes can create huge hidden costs when the forgiven amount gets added to your tax bill. Here’s what you should know about... Read More

4 Serious Reasons Why You Shouldn’t Lie on Your Taxes

4 Serious Reasons Why You Shouldn’t Lie on Your Taxes

4 Serious Reasons Why You Shouldn’t Lie on Your Taxes

The average tax refund is more than $3,000. When you hear that number and do your taxes, only to find out that your refund is much less — or worse, that you owe money — it can be tempting to fudge the numbers and increase your refund. But misrepresenting your income on your return counts as tax... Read More

Want to Pause Your Student Loan Payments? Here’s What You Need to Know

Want to Pause Your Student Loan Payments? Here’s What You Need to Know

Want to Pause Your Student Loan Payments? Here’s What You Need to Know

If you’re struggling with a medical emergency, unemployment or other financial crisis, making your student loan payments can be impossible. Rather than fall behind, you can opt to put your payments on hold through student loan deferment or forbearance. Deferment is an option that lets you postpone both your principal and interest payments. If you... Read More

5 Ways to Spot a Student Loan Scam

5 Ways to Spot a Student Loan Scam

5 Ways to Spot a Student Loan Scam

“I LOVE my student loan debt,” said no one, ever. Not only can student loan repayment be difficult to understand, it can crush your budget, and whenever there’s confusion and desperation, there’s someone trying to make money off it. There are a handful of legitimate ways you can make your student loan payments more affordable,... Read More

Will Rising Interest Rates Really Impact Student Loan Borrowers?

Will Rising Interest Rates Really Impact Student Loan Borrowers?

Will Rising Interest Rates Really Impact Student Loan Borrowers?

The Federal Reserve’s benchmark interest rate is on the rise. These rates already increased once in December, and experts are predicting another three rate increases for 2017. This could mean more earnings on your savings, but it could also mean higher interest on your debt. While that’s hardly a welcome announcement for anyone paying down... Read More

Here’s How Your Student Loans Can Get You a Tax Break

Here’s How Your Student Loans Can Get You a Tax Break

Here’s How Your Student Loans Can Get You a Tax Break

Paying interest is no fun. But if you have student loan debt, you don’t have much choice. Wouldn’t it be great if the government gave you a break on that student loan interest you pay each year? Well, here’s some good news: You might be able to deduct a portion of student loan interest from... Read More

4 Life Goals You Can Still Achieve With Student Loan Debt

4 Life Goals You Can Still Achieve With Student Loan Debt

4 Life Goals You Can Still Achieve With Student Loan Debt

There are currently more than 44 million people with student loan debt totaling over $1.3 trillion. With so much debt, many college graduates have delayed major life milestones such as getting married, buying a house, traveling, and starting a business. But it doesn’t have to be that way. Although student loans can be a financial burden,... Read More

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