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.

The First Steps to Take Before You Start Paying Your Student Loans

The First Steps to Take Before You Start Paying Your Student Loans

The First Steps to Take Before You Start Paying Your Student Loans

It’s a whole new world once you leave the cocoon of college and head off into the real world to make a living. You’re no doubt overwhelmed with getting a job and finding a place to live. That’s understandable. But if you paid for your college education with student loans, it’s also incredibly important to… Read More

3 Ways to Increase Your Chance of Receiving a College Scholarship

3 Ways to Increase Your Chance of Receiving a College Scholarship

3 Ways to Increase Your Chance of Receiving a College Scholarship

The cost of attending college increases every year, and that probably isn’t going to change anytime soon. The best way for students to reduce what they’ll be spending is to apply for college scholarships. Everyone knows that good grades and test scores will help, but there are a few other ways to increase the chances… Read More

Could I Owe Taxes on College Scholarships?

Could I Owe Taxes on College Scholarships?

Could I Owe Taxes on College Scholarships?

Paying for college isn’t getting any cheaper, so in order to avoid going into unaffordable education debt, families and students either need to save more money, go to less expensive schools or find someone else to pay for it. There are hundreds of thousands — maybe even millions — of scholarship opportunities out there, but… Read More

Parents: How to Start Planning for College

Parents: How to Start Planning for College

Parents: How to Start Planning for College

Too many parents make the mistake of waiting until the fall of their child’s senior year to start thinking about college. However, by waiting, your child could miss out on a number of opportunities that could end up costing your family thousands of dollars in missed financial aid and scholarships. Ideally, you should have started… Read More

How to Pick the Right College

How to Pick the Right College

How to Pick the Right College

College is a time of self-discovery, intellectual adventure and social exposure — but not every school is right for every student. Preparing for higher education involves long-term saving, hard work and lots of research. When you are entering the final stretch of high school, the time has come to make a decision. Picking which university is… Read More

7 Colleges You Can Attend for Free

7 Colleges You Can Attend for Free

7 Colleges You Can Attend for Free

There are several ways to avoid taking out student loans in order to get a degree. The first: save a ton of money. That’s usually best accomplished over the course of a child’s lifetime. Another tactic: scholarships. Then there’s the option of choosing an inexpensive school you can pay for out of pocket, probably by… Read More

The Myth of the 4-Year College Degree

The Myth of the 4-Year College Degree

The Myth of the 4-Year College Degree

Americans of all ages grapple with the cost of higher education, whether it’s trying to save for the future, choosing a college or repaying student loan debt. Tuition and fees at U.S. colleges has increased an average of 5% every year for the last decade, and the $1.2 trillion in outstanding student loan debt is… Read More

5 Things We Can Do Now to Solve the Student Loan Problem

5 Things We Can Do Now to Solve the Student Loan Problem

5 Things We Can Do Now to Solve the Student Loan Problem

The U.S. Department of Education recently unveiled a new and improved methodology for calculating student-loan payment delinquencies. Where it once figured the late-payment rate of student loans as a whole to be 17%, the department has now determined that when the same data is expressed in terms of individual borrowers, it’s as high as 38%…. Read More

Can You Discharge Private Student Loans in Bankruptcy?

Can You Discharge Private Student Loans in Bankruptcy?

Can You Discharge Private Student Loans in Bankruptcy?

There’s a big misconception that private student loans can never be discharged in bankruptcy. People have repeated that statement so often they believe it to be a fact. The only problem is it’s not quite true. Some private student loans are clearly eligible to be wiped away in a consumer bankruptcy. Even in a Chapter… Read More

How Long Can Student Loans Hurt Your Credit?

How Long Can Student Loans Hurt Your Credit?

How Long Can Student Loans Hurt Your Credit?

We get questions and comments from distressed student borrowers wondering exactly how long missteps in repaying their student loans are likely to continue to hurt their credit. It can feel like student loans cast a very long shadow that is hard to escape. How long student loan problems can affect your credit isn’t always clear,… Read More

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