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Managing Your Student Loans The Better Way!

managing your student loansStudent loan debt relief is one of the biggest challenges among the youth that enters the big world. Once you start the big gigs managing your student loans should be your priority. So is there a better way to do it? 

Managing Your Student loans the Better Way!

Your student loan debt, especially defaulted student loans, can hinder a life overall. From moving out to building savings and purchasing your dream home or car, everything becomes challenging. Not to mention as life goes on you will also add up even more consumer debt.

So what is the best way to managing your student loans?

Depending on the conditions of your student loans, you will need to begin repayment after you’ve graduated, dropped out, or dropped to part-time student status, typically six months out. Make sure you understand all of your student loan repayment options and the various programs offered to federal student loan borrowers, including consolidation.

If you are unable to meet the terms of your repayment, you may want to consider deferment or forbearance. Depending on your line of work or situation, you may be eligible for student loan forgiveness as well.

Student Loan Repayment Options

Get more information on income-based, standard, and extended repayment plans, plus other options for repayment. There are a number of programs available to work with your current budget.

Deferment and Forbearance

If making payments now is not an option, you may qualify for deferment or forbearance. There are pitfalls to delaying payments, however.

Consolidating Student Loans

Student loan consolidation eases the payment process and can improve your interest rates. Find out more pros, but also cons, on school loan consolidation on the link above.

Student Loan Forgiveness

If you are working in public service or have extenuating circumstances, you may find that your loans could be forgiven after a period of time.

ABOUT AUTHOR / Dilini

Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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