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Resources & Tools

5 Things Every Grad Should Know About Student Loans

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As you graduate from college, you probably have loans to repay. Here are the results from a recent ACCC poll and what you need to know about student loan debt.

  • Debt can follow you decades after you have attended school.
    Breakdown of Age Groups with Student Loans:

    • Don’t count on being debt free by your 30’s.
    • Over 60% of poll respondents 55-64 years old still have student loan debt.
    • 84% of all respondents have taken out a student loan
    • 100% of respondents ages 18-24 have taken out a student loan.
  • If your income can’t support your loan payment, it will take longer and cost more to be debt free.
    35% of those with $100,000 or more in student loan debt have an average annual income of only $40,000-$50,000.
  • Student loan debt could impact other major life events if not handled well.Poll respondents were held back from the following due to student loan debt:
    • Buying a car 34%
    • Getting married 15%
    • Saving for retirement 46%
    • Buying a home 42%
  • Student loans are not a bad type of debt.
    It’s considered an investment- so make it count!Good debt:

    • mortgage,
    • education,
    • real estate,
    • business

    Bad debt:

    • car loan,
    • credit card,
    • store credit card
  • Student loan debt is manageable with budgeting.

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