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Student Loan Help and Information

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Student debt statistics aren’t pretty. In fact, they’re downright depressing. Student loan debt has risen over 300 percent in the past eight years, with the average debt for a four-year graduate today around $24,000. That’s an awful lot of debt to be carrying into the job market.

With all those loans looming upon graduation, it’s no wonder why more and more students are in debt.

Types of Student Loans

If you’ve attended college, or are planning to attend, chances are you’re going to apply for student loans. But while some college debt these days is practically unavoidable, picking the right type of loan can help minimize how much debt you’ll eventually owe.

There are many different types of student loans, but all of them fall under two main categories: private or federal.


  • Loans given by banks, credit unions, or other non-governmental lenders
  • Interest rates vary
  • Payment options aren’t as flexible as federal student loans


  • Loans given directly to the student by the government
  • Interest rates are usually fixed, meaning a set rate throughout the duration of your loan
  • Income-based payment plans

When it comes to federal loans, your two options are Stafford Loans and Perkins Loans. Both have fixed interest rates, but both have various eligibility benefits based on your financial standing.

Repayment Plans

At a collective debt of over $1 trillion, student loan debt has quickly become one of the biggest sources of debt in this country. But while having a college degree is still important, more and more people are having a hard time finding ways to pay for it.

That’s where we come in. We’re here to help you stay on top of your student loans. Interested in learning more? Fill out our form above or give us a call to chat with one of our credit counselors for more information on how you can pay off your student loans faster and easier.

Also See…

For more information on student loans, please visit:

College Budgeting Advice

Student Loan Statistics

Student Loan Consolidation

Federal vs Private Loans

Types of Student Loans

Student Loan Repayment Options

Applying For Student Loans

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