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Interest rates can make student loans confusing. You may see one lender advertising a rate that looks low, another showing a different number, and federal student loans using an entirely different rate structure. Then there are terms like: Fixed rate Variable rate APR Interest capitalization Rate discount If you are new to borrowing, it can … Read more
Graduate school can be a major investment. For some people, an advanced degree is an important step toward a career they genuinely want. For others, graduate school may increase earning potential, open new professional opportunities, or provide a credential required for a particular career. But there is another side of the decision that is easy … Read more
Paying off student loans can feel like a race. You graduate, get your first full-time job, and start thinking about how quickly you can get rid of the debt. Maybe you want to be debt-free before buying a home. Maybe you want more money available for investing. Or perhaps you simply want to stop seeing … Read more
Paying for college can be confusing enough without trying to understand different types of student loans. Then you start seeing terms like: At first, it can all sound like the same thing. It is not. Federal and private student loans can work very differently, and choosing between them can affect how much you pay, how … Read more
A good credit score can feel like a number that exists somewhere in the background of your finances. You check it occasionally, see that it has gone up or down, and move on. But when you apply for a loan, that number can suddenly become much more important. A credit score can influence whether you … Read more
Graduating from college can feel like the finish line. Then the student loan payments begin, and suddenly you have a new financial decision to make. If you have more than one student loan, you may have heard two terms repeatedly: student loan consolidation and student loan refinancing. They sound similar because both can involve replacing … Read more