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At Credit.org, we are dedicated to helping you navigate the complexities of student loans. Asking your loan servicer for a forbearance or deferment without getting information about the consequences of doing so or understanding if there are other options is essential to your financial well-being. Our expert counselors provide personalized support to help you understand your options and make informed decisions.
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NavigateYour Student Loans with Confidence

Entering college is an exciting time filled with dreams about the future, but many students don’t consider the reality of student loan debt until after graduation.  We often expect our degrees to lead us directly to well-paying jobs.  Or perhaps you left school without a degree, and you still have to repay your student loans. However, most of us discover that building a career and achieving financial stability takes time, leaving us with the burden of student loans that can be overwhelming without proper guidance.

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What to Expect from Your Personalized Student Loan Counseling Session

1. We start by discussing your objectives, such as reduced monthly student loan payments, income-based repayment plans, profession-based repayment plans, student loan consolidation, student loan cancellation, enrolling in forgiveness plans, or getting loans out of default.

‍2. Next, we review your credit report and complete a comprehensive budget analysis. This step helps us identify areas where you can save money and improve your financial health.

‍3. Our counselors will guide you through the various federal student loan repayment plans and other options available. We'll explain the pros and cons of each choice and help you select the best plan for your financial circumstances.
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4. Together, we'll develop a personalized action plan that outlines the steps you need to take to manage your student loans effectively. Whether it's applying for income-driven repayment plans or setting up a loan rehabilitation program, we'll support you every step of the way.

By the end of your session, you'll have a clear understanding of your options and a detailed plan to tackle your student loan debt with confidence.
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It’s never too early to start planning for your future.

Planning For Higher Education

To serve as an introduction to our guide, our video from FederalStudentAid explains what responsible borrowing is.

In this section we will review the following:
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* Saving for Higher Education
* Making the Grades
* Narrowing Your Choices
* Applying for Admission
* Choosing the Right School
* Explore Financial Aid Options
* Applying for FAFSA‍
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The Future is Waiting for You.

Preparing For Your Graduation

Readying yourself for graduation can help you get a jump start on success. Credit.org has created the following guide to help you prepare for graduation. If it is time to prepare for graduation, the below video from FederalStudentAid can help you understand what repayment preparation looks like.

In this section we will review the following:
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* Create a Budget
* Understand Your Credit Report
* Manage Your Student Loans
* Explore Career Options
* Discover Your Talents and Interest
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Exiting From School. Live Your Dreams.

Post Graduation

The future is yours. Credit.org has created the following guide to help you achieve your aspirations. If you are done with your college career, the below video from FederalStudentAid can help you understand how to manage your loan repayment.
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In this section we will review the following:
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* Build a Resume
* Craft a Career Roadmap
* How to Find the Right Job
* Successful Interviewing Skills
* Understanding Your Student Loan Debt
* Choosing the Right Solutions for Repayment

Frequently Asked Student Loan Questions

FAQ Accordion

What is the Difference Between Subsidized and Unsubsidized Loans?▼

Subsidized loans are federal student loans where the government pays the interest while you're in school, during the grace period, and deferment. Unsubsidized loans start accruing interest as soon as funds are disbursed. Although payments aren't required while in school or during the grace period, interest accrues and is added to the principal balance, increasing the total amount owed. Understanding these differences is crucial for managing student debt effectively.

How Do Student Loans Work?▼

Student loans provide funds for higher education costs like tuition, books, and living expenses. Federal and private loans are available, with federal loans offering favorable terms. The process involves applying, receiving funds, and using them for educational expenses. Repayment starts after a grace period post-graduation, with interest. Understanding terms, interest rates, and repayment options is vital for effective student debt management and maintaining financial health.

How to Get a Student Loan?▼

To get a student loan, complete the Free Application for Federal Student Aid (FAFSA) to determine federal aid eligibility. After submitting the FAFSA, review your Student Aid Report (SAR). Accept the financial aid offer from your chosen school, which may include federal loans. For additional funds, apply for private loans through banks or lenders, requiring a credit check and co-signer. Understanding loan terms and conditions is crucial for successful borrowing.

Do Student Loans Affect Credit Score? ▼

Yes, student loans impact your credit score. Taking out a student loan appears on your credit report as a debt. Timely payments help build a positive credit history, improving your credit score. Missed or late payments negatively affect your credit score. Managing student loans responsibly is essential for maintaining good credit, which influences future borrowing opportunities. Understanding your loan terms helps in maintaining a healthy credit profile.

How to Apply for Student Loans?▼

Apply for student loans by completing the FAFSA to determine federal aid eligibility. Review your SAR for accuracy. Accept the financial aid package from your school, including federal loans. If more funding is needed, research and apply for private loans, noting terms and interest rates. Complete mandatory entrance counseling for federal loans and sign the Master Promissory Note, agreeing to loan terms and repayment. Follow these steps to secure educational funds responsibly.
In-Depth Insights into Student Loans

Want to Understand More About Student Loans?

Our blogs give you a detailed look at the different parts of student loans.
This will help you make smart choices about your loan options.
View Blogs
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Credit.org es una agencia independiente sin fines de lucro de asesoramiento financiero y no está afiliada a ningún proveedor de hipotecas, préstamos o servicios. El contenido, los enlaces y los recursos de este sitio se presentan solo con fines informativos y no deben interpretarse como asesoramiento legal o fiscal.
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Credit.org no es una empresa de reparación de crédito.
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Credit.org no ofrece servicios de reparación de crédito. Nuestro enfoque se centra en proporcionar recursos educativos, asesoramiento y apoyo para ayudar a las personas a mejorar su salud financiera y alcanzar sus objetivos de propiedad de vivienda. No participamos en actividades que prometan eliminar o alterar información negativa de los informes de crédito.
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