Student Debt 101

Student loan servicers are not your financial adviser. They are companies paid to manage your loans, and sometimes they get it wrong. They lose...

If you’re borrowing for school, the federal government offers two main flavors of Direct Loans: subsidized and unsubsidized. The difference sounds...

There’s a myth that if you have student loans, every extra dollar must go to them before you can save. It sounds responsible. It’s a trap. It can...

Your financial aid award letter shows up looking official and generous, and it’s tempting to just sign and move on. Don’t. That letter is where a lot...

Student loans are debt, but they are not automatically a credit death sentence. In fact, they can be one of the most powerful credit-building tools...

The most expensive student loan myth is that you have to pay exactly what the bill says. You don’t. Federal loans come with repayment plans based on...

If you have federal student loans, you are likely dealing with one of two main types: Direct Subsidized and Direct Unsubsidized. They sound similar...

All student loans are not created equal, and the gap between the two main types is wider than most people realize. There are federal student loans...

Your federal student loan repayment plan decides how much leaves your bank account each month, how long you’ll be in debt, and whether you qualify...

Student loan servicers are supposed to handle your billing, repayment plans, forgiveness paperwork, and payment counts correctly. They often don’t...

If you miss a federal student loan payment, it doesn’t instantly ruin your credit. But after 270 days, it becomes default. That’s the line where your...

The award letter is a menu, not a mandate. It lists the maximum you can borrow, not what you should. Many students accept the full amount because...