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 Things to Do Before Tackling Your Student Loan Debt

3 Things to Do Before Tackling Your Student Loan Debt

3 Things to Do Before Tackling Your Student Loan Debt

For some federal student loan borrowers who graduated in May, the time has come: It’s the end of your loan repayment grace period. If you’re about to start shelling out monthly loan payments, just started or are hoping to aggressively tackle your debt, there are a lot of things to do before you start transferring… Read More

These Public Colleges Spit Out Grads With the Most Student Loan Debt

These Public Colleges Spit Out Grads With the Most Student Loan Debt

These Public Colleges Spit Out Grads With the Most Student Loan Debt

Pennsylvania has some pretty dismal student loan debt figures: Graduates of Pennsylvania colleges and universities have some of the highest average debt loads in the U.S., a huge portion of students take out loans and nine of the 20 public schools with high-average debt loads are in Pennsylvania. Earlier in November, the Institute for College Access… Read More

3 Things I Wish I Knew Before Taking Out Student Loans

3 Things I Wish I Knew Before Taking Out Student Loans

3 Things I Wish I Knew Before Taking Out Student Loans

Student loans can be a necessity. They can also be a way out of a more difficult semester or year. In my case, I thought I needed a loan, but in hindsight I see that I didn’t. In personal finance my eternal truth is this: If you can’t afford it, you can’t afford it. I… Read More

The States With the Highest Student Loan Default Rates

The States With the Highest Student Loan Default Rates

The States With the Highest Student Loan Default Rates

The national student loan default rate declined this year, but that’s not saying much, considering 13.7% of borrowers defaulted on their loans within three years of entering repayment. The Education Department released this data over the summer, and while much of the news coverage focused on the drop in the three-year default rate (it was 14.7%… Read More

Is Now the Right Time to Go Back to School?

Is Now the Right Time to Go Back to School?

Is Now the Right Time to Go Back to School?

With application deadlines quickly approaching, you may be debating about whether to go back to school. Between considering the financial implications of college or graduate school tuition and the career benefits you hope to reap, this decision depends entirely on your personal situation. It’s important to consider the reasons you want to return to school… Read More

Can I Consolidate Federal & Private Student Loans Together?

Can I Consolidate Federal & Private Student Loans Together?

Can I Consolidate Federal & Private Student Loans Together?

If you have student loans, chances are you’re dealing with multiple interest rates, multiple loan servicers and multiple monthly payments – a surefire recipe for multiple headaches. The idea of consolidating all your loans together sounds like a great way to simplify, but is that even possible when you have both private and federal loans?… Read More

How I Missed Out on a Free Year of College

How I Missed Out on a Free Year of College

How I Missed Out on a Free Year of College

A couple of points on the math portion of the SAT tests cost Eva Baker a year of free college tuition. Baker was planning on getting a year of college classes under her belt during her senior year of high school through Florida’s dual enrollment program. Dual enrollment allows high school students to take courses… Read More

10 Things You Need to Know If Your Kid’s Applying for College

10 Things You Need to Know If Your Kid’s Applying for College

10 Things You Need to Know If Your Kid’s Applying for College

It’s college application season, the time of year when parents of high school seniors have to quickly learn about things like the Common Application, FAFSA, SATs and student loans. The sheer volume of information about the application process and the different colleges your child can choose can make your head spin. What you want most… Read More

4 Student Loan Debt Collection Tricks

4 Student Loan Debt Collection Tricks

4 Student Loan Debt Collection Tricks

Debt collectors have been known to use dirty tricks to get consumers to pay, but those collecting student loans have an especially powerful tool on their side. Unlike most other debt, student loan debt cannot be routinely discharged in bankruptcy. And depending on the type of loan, the debts can be collected through wage garnishments… Read More

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