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How To Figure Out If Refinancing & Consolidation Makes Sense For You

There are a handful of ways to reduce student loan payments. Two of those methods include student loan consolidation and student loan refinancing. These two terms are often used interchangeably; however, there are two distinct products/programs available to student loan...

What’s the difference between an Interest Rate and The APR?

When you shop for a loan, you will typically see two rates, the interest rate and the annual percentage rate (APR). If you don’t clearly understand the difference between the two, you won’t understand the difference between what you are paying in interest and the true cost of the...

Should I Consolidate My Federal Student Loans?

The latest figures on student loan debt in the U.S. are staggering. More than 40 million Americans now carry some form of student loan debt, averaging just over $35,000 each. To make matters worse, most student loan borrowers are carrying multiple loans from multiple sources,...

Drowning in Student Loan Debt? Here’s What To Do

The phone is ringing off the hook. It’s the student loan servicer, and they’re calling about the two-month delinquency on your account. As the phone continues to ring, beads of sweat begin to roll down your face. Why so? Well, you’re unemployed, broke and barely making it by. The...

Student Borrowers Could Save Big with Trump’s Repayment Plan

By Richard Best: Student loan borrowers may have cause for optimism under President Donald Trump’s proposed repayment program for federal student loans. Although all of the details have yet to come out and the program is only in the proposal stage, low-income student borrowers...

The Wrong Move on Student Loans

Who Can You Trust? The Obama administration made the right call in 2015 when it barred debt collectors from gouging borrowers who default on student loans and then agree to payment plans that let them make good on the debt and rebuild their ruined credit. Education Secretary...

How The Government’s Student Loan Repayment Programs Can Trip Up Homebuyers

There’s a new study by Federal Reserve researchers quantifying something many Realtors already know from experience: Excessive debt-to-income ratios account for nearly a quarter of all mortgage denials. In “Residential Mortgage Lending from 2004 to 2015: Evidence from...