NavigateYour Student
Loans with Confidence

Struggling to pay your student loans?  We can help.

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.
Connect with a counselor888-547-8597

Build Your Path
to a Debt Free Life

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Plan For Higher Education,
‍Manage Student Debt Wisely

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

Prepare For Graduation,
Take Charge of Student Debt

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:
‍
* Create a Budget
* Understand Your Credit Report
* Manage Your Student Loans
* Explore Career Options
* Discover Your Talents and Interest
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Post Graduation,
‍Build a Debt-Free Future

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:
‍
* 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

Step-by-Step
Student Loan Process

Step 1:
Schedule Your Free
Student Counseling Session

Discuss your goals, like reducing student loan payments, exploring income-driven plans, consolidating loans, or enrolling in forgiveness programs. This session focuses on finding tailored solutions to help you tackle your student debt effectively.

Step 2:
Assess Your Debts
and Relief Options

Review your credit report and complete a budget analysis to identify where you can save money. Explore student loan debt relief options, improve your financial health, and uncover actionable steps to manage your loans confidently.

Step 3:
Craft a Custom
Debt Relief Plan

Work through available repayment programs, including federal options, to find what fits your needs. By understanding the pros and cons of each plan, you’ll have a clear strategy to handle your student loans and secure financial stability.

Step 4:
Equip Yourself with
Tools for Long-Term Success

Together, we'll develop a personalized action plan that outlines the steps you need to take to manage your student loans effectively. From applying for income-driven repayment plans to setting up loan rehabilitation programs, you’ll gain the tools needed to manage your student debt and build a secure future.
Ready to get a clear understanding of your options and a detailed plan?
Connect with a counselor888-547-8597

See How We’ve Helped
Students Master Their Loans

Our student loan counseling has empowered thousands of students to regain control of their  loans and achieve financial peace.
Connect with a counselor888-547-8597

Explore the Best Ways to Manage Your Student Loans

Understand Your
Student Loan Options

Gain clarity on your student loans with personalized guidance. Learn about repayment plans, student loan debt relief options, and forgiveness programs that fit your financial situation and goals.

Create a Customized
Debt Management Plan

Work with your counselor to develop a tailored plan that simplifies repayment. Whether through income-driven plans or loan consolidation, you’ll gain tools to manage your student debt effectively and reduce financial stress.

Build Long-Term
Financial Stability

Counseling empowers you to secure your financial future. With tools to improve budgeting, credit health, and repayment strategies, you’ll have the confidence to stay in control of your loans and focus on achieving your goals.
Begin Your Debt-
Free Life Today!
Connect with a counselor888-547-8597
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Go From Student Loan Debt
to Financial Freedom

Managing student loans and improving your financial health is easier with the right tools. From repayment calculators to step-by-step guides, our resources help you explore student loan debt relief, understand repayment options, and build long-term financial stability.
Explore Our Resources

Student Loan FAQ's

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 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.

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.

Dive Into Our Student Loan
Blogs for Deeper Insights

Top 10 Student Loan Mistakes to Avoid

Understanding Student Loan Debt Trends

Financial Tips for College Students

Read more student loan blogs
Credit.org is not a loan company. We do not loan / lend money.
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Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.

Credit.org is not a credit repair company.
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Credit.org does not offer credit repair services. Our focus is on providing educational resources, counseling, and support to help individuals improve their financial health and achieve their homeownership goals. We do not engage in activities that promise to remove or alter negative credit information from credit reports.
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