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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...

What Your Student Loan Servicer Might Not Tell You Could Cost You !

Student borrowers have to rely on their loan servicer for the proper management of their student loans – for processing payments correctly, getting timely communications and, when appropriate, informing them of their options. Not all loan servicers are created equal. There are...

These 5 Student Loan Changes Could Help You Pay Off Your Debt In 2017

This past year brought significant attention and debate to the hot-button issue of student loans. With 44 million borrowers carrying $1.3 trillion in debt, government officials were forced to take note in the midst of a huge election year — and it’s about time. The average...

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...