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Money For Students

It is often said that the most effective debt management strategy is to be debt-free. But, in order to pay for your college education, you may need to take out student loans.

Student loans are applied by many people these days. It is for the hope that student loans can greatly support their education. Well, that is primarily the purpose of student loans, but there are some instances that getting student loans is what lead people to be buried deep in debt. This is common among those who failed to repay their debts or those who actually escape from their obligations.

Now, planning for successful repayment involves a lot of considerations. The planning should start before you place and strike your pen on your first promissory note. Just as you are making a commitment to your career by way of investing time and money in higher education, you should also make a commitment to your financial future by way of effectively managing your student loans from the beginning.

Recent Student Loan News
Citi Forward Card Bonus & Rewards Follow-up: 5x Rewards at Restaurants and Amazon.com - I promised to follow-up on the features of the Citi Forward card after getting mine, and am finally getting around to it. Read on to see how you can get a $100 gift card and also 3.45% cash back with this card at restaurants, Amazon.com, and more. Sign-Up Bonus New cardholders get 6,000 bonus ThankYou points after $50 in purchases made within 3 months. In addition, you get another 5,000 points for choosing paperless statements within 3 months. The 11,000 bonus ThankYou point [Read More...]

Income-Based Repayment for Student Loans - The Federal Student Aid site has put together a great page on their new Income-Based Repayment Plan . Income-Based Repayment (IBR), is just what it sounds like?a repayment plan for federal student loans that caps your minimum based on your income. Which Loans are Eligible for Income-Based Repayment? According to the site: Any Stafford, Grad PLUS or Consolidation loan made under either the Direct Loan or FFEL program is eligible for repayment under IBR, EXCEPT loans that are currently [Read More...]

School's Out Forever [Recessionomics] - The Way We Live Now: Playin' hooky. Schoooooool's outttt forrrrrrrr summer! Yea! School's out forever! Really. They can't afford summer school any more. Too bad that happened right when unemployment hit double digits. No job. No school. Nada. "Thousands of districts" have canceled summer school this year . No money! 150,000 kids in LA who should be in summer school are instead wandering around joining gangs and etc. Half the school districts in Florida have forced their worst students out o [Read More...]

Sizing Up a Student-Loan Horror Story - We found Jonathan Glater's page-one story in today's NYT highly entertaining. The thing we struggled with, however, was whether to feel badly for Bowman. Rather than come down on one side or another, we're going to lay out the pros and cons and "kick the can" over to our LB readers. [Read More...]

Students Carrying Heavy Debts Will Benefit From Debt Consolidation Options - Nowadays, with the economic difficulties American consumers are facing and the ongoing credit crunch, graduating students are facing a worrying future, most especially those who are carrying large credit card debts. Currently, graduating students carry an average of $23,000 in debts.That?s a very large debt to be carrying for students and the parents who support them. Fortunately, after July 1, students are going to be able to participate in a few debt consolidation programs that will offer them [Read More...]

Student loan rules cut repayment costs for many - WASHINGTON (CNN) ? Colleges aren?t getting any cheaper, but federal student loans are. Millions of borrowers will get a better deal on their student loans based on federal rules that went into effect Wednesday. Lower interest rates and loan forgiveness in some cases are some of the rules that will make borrowing cheaper for many students. Also among the rules: an income-based repayment program that considers income and family size. The program allows borrowers to set their monthly loan pay [Read More...]