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The Parent PLUS Loan Trap: When Student Debt Becomes a Family Retirement Problem
Impact on Families

The Parent PLUS Loan Trap: When Student Debt Becomes a Family Retirement Problem

Most conversations about student debt start with the person holding the diploma. But in millions of American households, there’s a second borrower —...

1 month ago Read More
How to Find Scholarships You Actually Have a Shot At
Scholarships and Grants

How to Find Scholarships You Actually Have a Shot At

The fastest way to waste your time is to enter every $10,000 national scholarship you see on social media. Thousands of students apply, the odds are...

1 month ago Read More
Automatic Income-Driven Repayment: The Student Loan Policy Fix That Actually Helps You
Policy Proposals

Automatic Income-Driven Repayment: The Student Loan Policy Fix That Actually Helps You

The student debt crisis is not just a number. It is a broken repayment system that punishes people for trying to do the right thing. Politicians love...

1 month ago Read More
How Much Rent Can You Actually Afford While Paying Off Student Loans
Housing and Student Loans

How Much Rent Can You Actually Afford While Paying Off Student Loans

The thirty percent rule has been repeated so often it sounds like law. Keep your rent under thirty percent of your gross income and you are...

1 month ago Read More
Should You Go to Grad School If You Already Have Student Debt?
Graduate School Decisions

Should You Go to Grad School If You Already Have Student Debt?

Going to graduate school when you already have student debt is not automatically a bad idea. It can be the smartest move you make, or a six-figure...

1 month ago Read More
How to Get a Student Loan Without Borrowing More Than You Can Handle
Steps to Get a Student Loan

How to Get a Student Loan Without Borrowing More Than You Can Handle

Getting a student loan is not like signing up for a streaming service. It is a legal agreement that follows you for years, affects your rent, your...

1 month ago Read More
Capitalized Interest on Student Loans: The Quiet Charge That Grows While You Wait
Student Loan Glossary

Capitalized Interest on Student Loans: The Quiet Charge That Grows While You Wait

Capitalized interest is the student loan term that quietly costs you the most money. It sounds like accounting jargon, but the idea is simple...

1 month ago Read More
Paying Interest While in School: The Small Payment That Keeps Student Debt From Growing
Paying Interest While in School

Paying Interest While in School: The Small Payment That Keeps Student Debt From Growing

Just because you don’t have to pay while you’re in school doesn’t mean interest takes a nap. On unsubsidized federal loans and most private loans...

1 month ago Read More
How to Pick a Federal Student Loan Repayment Plan That Actually Fits Your Life
Loan Repayment Plans Overview

How to Pick a Federal Student Loan Repayment Plan That Actually Fits Your Life

Your loan servicer probably put you on a plan automatically when you graduated or dropped below half-time enrollment. That plan keeps you out of...

1 month ago Read More
Standard vs Income-Driven Repayment: How to Choose the Student Loan Plan That Won’t Wreck Your Budget
Loan Repayment Plans Overview

Standard vs Income-Driven Repayment: How to Choose the Student Loan Plan That Won’t Wreck Your Budget

Your student loan repayment plan is not paperwork you fill out once and forget. It decides your monthly payment, how much interest you pay, how long...

1 month ago Read More
How To Survive High Student Loan Payments On A Starting Salary
Dealing with High Payments

How To Survive High Student Loan Payments On A Starting Salary

You did everything right, or at least you did everything you were told to do. You went to class, you walked across that stage, you grabbed the...

1 month ago Read More
How to Negotiate a Lower Student Loan Payment With Your Lender
Negotiating with Lenders

How to Negotiate a Lower Student Loan Payment With Your Lender

Your student loan bill is not a moral judgment. It’s a number. And numbers can be negotiated. The problem is most people treat their servicer like a...

1 month ago Read More
FAQ

Frequently Asked Questions

Building credit responsibly, starting retirement savings early to take advantage of compounding, having basic insurance coverage, and understanding your taxes are all things that work alongside debt repayment rather than after it. None of these require large amounts of money to start — consistency matters more than the initial amount.

Reserve Officers' Training Corps (ROTC) scholarships can cover some or all tuition, plus provide a monthly stipend and money for books, in exchange for a service commitment in the military after graduation, usually as a commissioned officer. Requirements and scholarship amounts vary by branch and by school.

For federal loans, the U.S. Department of Education is the lender, though a separate company called a loan servicer manages your account and payments on its behalf. For private loans, a bank, credit union, or other financial institution is both the lender and, usually, the one you deal with directly, though loans can be sold or transferred to another servicer over time.

Ask about job placement rates and average starting salaries for graduates, whether the credential is recognized by employers in that field, the total cost including any financing fees, and what happens if you don't complete the program. A program confident in its outcomes should be able to share this data.

Frequent critiques include the complexity of repayment plan options (making it hard for borrowers to know what's best for them), servicer errors and inconsistent guidance, and gaps between programs like Public Service Loan Forgiveness and what borrowers actually experience trying to qualify. Advocacy groups across the political spectrum have pushed for various fixes to these issues, though they often disagree on the specifics.