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Student Loan Discharge Major Overview

September 10, 2011

Student Loan Discharge

student loan discharge

Student loan discharge is when your student loan debt is completely wiped away or heavily reduced. This can be done in certain situations if the strict set of guidelines. There are multiple reasons that a student loan can be discharged, which will be discussed below along with other valuable information that you should know and keep in mind if you are going to try to your student loan discharge on your debt.

Student Loan Discharge – Qualifying Reasons

There are 5 reasons that will dicharge your obligation to pay your student loans. Here are the reasons.

  1. If the college you are attending to is closed down before the completion of your training or degree.
  2. Specific public service jobs also can qualify for student loan discharge.
  3. What is called false certification discharge can discharge student loans. This is where someone commited fraud in your name, taking out a loan under your name which leaves you with the debt. Upon proof of this, you can get the loan debt wiped away. The lender of your loans must believe that information actually proves that fraud was commited on you, and not a scam to try to get out of loans.
  4. Filing bankruptcy is another way of student loan discharge but certain laws have made it a lot harder to file for bankruptcy on your student loans. The only way this is done is through a court trial in which they state that paying student loans would be the cause of what they call a “undue hardship”. This is where a person with loan payments would drop below the minimal standards of living if they in fact have to continue the payments on the loan.
  5. Passing away or permanent disablity.

Applying For Student Loan Discharge

Apply for student loan discharge is to be done through different methods, depending on your loan holder and loan you have. The best thing to do if you intend on applying for student loan discharge would be to contact the holder of your loan and they will give you more information on the process as well other encompassing information involving the process.

Other Student Loan Discharge Information

  1. If you apply for student loan discharge and are waiting on a pending decision, you need to continue paying monthly payments on your loan debt until it is decided whether or not your are eligible for your student debt discharge.
  2. Your student loan holder makes the final decision whether or not your qualify for student loan discharge, and and appeal cannot be made to the Department of Education unless you were a victim of fraud.
  3. You cannot apply for discharge if you are unhappy with your schooling experience. This includes believing that  your schooling not having teachers that are qualified or unqualified equiptment, did not provide you with placement in the workforce that they originally promised or they were found guilty with charges of fraud.
  4. You cannot get your student loans discharged if you were an atendee of a non eligible study program that you took at your school.
  5. Financial difficulty doesn’t necessarily qualify for student loan discharge unless the difficulty is worthy enough on the bankruptcy on your student loan debt.

 

 

 

Military Student Loan Repayment

September 8, 2011

Military Student Loan Repayment

Military Student Loan Repayment

First off, before we get into Military student loan repayment, chances are good that you have either served or are intending to serve, so we want to just extend a big thank you for providing your service to our country! The Military student loan repayment program was started as an incentive for people to enlist and serve. The rules of eligiblity are that you can get a portion of your debt paid off for non prior enlistments of the Military on your eligible loans for college. It is important to know that Officers do not qualify. Below will be information on the maximum debt totals that can be wiped away as well as qualifying loans and eligiblity requirements.

Military Student Loan Repayment – Maximum Forgiveness Amounts

Currently the Congress has stated for Military student loan repayment that the maximum amount that can be forgiven on student loan debt for non prior service members is up to 65,000 dollars. Although this is a general rule, each branch of service has it’s own maximum forgiveness totals. Here are the totals of military student loan repayment for each branch:

  • Active Duty can get one up to 33 1/3 pecent paid off of their loan each year that they provide their service or 1,500 dollars whichever is the greater total. This payment process is started after the first year of service.
  • Army and Navy pay up to the maximum for non prior service enlistment for active duty.
  • Reserve enlistments in the Army can get up to 20,000 dollars of their debt wiped away, which includes the national gaurd as well.
  • Air Force service will get enlistment members up to 10,000 dollars of their loan debt.
  • Navy Reserves offers up to 10,000 dollars in military student loan repayment to those enlisted as Reserves.
  • CLRP through the Air Force Guared can garner up to 20,000 dollars off student loans by working specified jobs that are experiences shortages.
  • Army and Navy Reserves can receive up to either 15 percent off their loans or 1500 dollars whichever amount is deemed greater
  • The Air National Guard can get eligible memebers up to 15 percent or up to 5000 dollars of their loan, depending on which amount it greater.

Loans That Qaulify For Military Student Loan Repayment

Not all loans qualify for the Miltary student loan repayment program. Here are both the qualifying loan programs that you can use for Military student loan repayment.

  • Stafford Loans
  • Parent PLUS Loans
  • Consolidated Loan Program
  • Federally Insured Student Loans
  • Supplemental Loans For Students
  • Perkins Loans
  • Auxillary Loan Assistance For Students

Military Student Loan Repayment Qualifications

Here are the qualifications one needs to meet in order to participate in Military student loan repayment:

  • Active members should not have any past military experience.
  • 6 year enlistment is required if you are going to serve in the following: Army and Navy Reserve as well as the Army & Air National Guard.
  • You must enlist with a high school education in the Army as well as received a score of 50 or above when taking the Armed Forces Vocational Aptitute Battery testing.
  • On your contract of enlistment, the CLRP needs to be annotated.
  • For branches where shortage jobs are worked to receive loan forgiveness, you need to be working in one of the specified jobs that are included in the qualifying list of jobs. A local recruiter can explain to you which jobs qualify.

Other Details of Military Student Loan Repayment

  • The amount paid off on your loans is considered to be taxible income, that needs to be paid to the IRS.
  • Any interest that has piled up is currently not eligible for loan forgiveness.
  • Often times participants in military student loan repayment programs can get their student loans defered, which you should contact your lender to see if this is a possiblity

 

 

Student Loan Payback Methods & Strategies

September 8, 2011

Student Loan Payback

student loan payback

This article deals with both the different student loan payback methods as well as methods that can help you payback your student loans FAST. First off repayment methods:

There are usually 4 student loan payback methods that one has available to them when they are just starting to pay off their loans. These 4 options are:

  •  The standard option in which your payment is the same each month and usually lasts for 10 years.
  • Extended student loan payback is the second where you can get your repayment period extended from the normal 10 year to anywhere from 12 to 25 years, which comes with lower payments, but more interest in the long run.
  • Graduated repayment is the third option where payments start low and increase usually every two years,
  • Income Contigent is the next student loan payback method and your monthly payment is based of usually 15 percent of your monthly income.

Fast Student Loan Payback Methods

Now that we have covered the different repayment methods, we can move into the student loan payback methods that can equate to you getting your loan paid off in record time. Here are a few methods to get debt knocked out quick:

  • Saving For Retirement - This may sound weird, but saving for retirement is an excellent student loan payback method. By saving money for retirement, it is considered tax deductable, so at the end of the year, you will get money back just by saving for retirement, which you can use to pay off your loan debt. You can also take out the retirement funds and use them to pay your debt off as well. This student loan payback method is knocking out two birds with one stone.
  • Keep Living Like A Student – Since you have just graduated, you are used to living like a student, budget shopping and penny pinching. You should keep doing this, but now that you have a good paying job, unlike in college, you can save the money that you saved on budgeting, and use it to pay your loan debt.
  • Choose the Shortest Repyament Period – By choosing the shortest repayment period, you will pay your loan off in single digit amount of years instead of double didgits. Although payments will be higher, they will get you paid off faster as well as save you a lot of money in what you would have paid in interest if you would have choosen a longer repayment period.
  • Student Loan Forgiveness – This student loan payback method has been used by millions and can get out out of debt fast. These programs are offered by having your work public service jobs or volunteer work where they either will pay a percentage off your loan each year that you provide your service, usually 15 to 20 perent each year, or you work for a specific amount of time in these jobs, usually 5 to 10, and after you are finished, your loan debt is totally wiped clean.
  • Ask Your Employer To Help – This last student loan payback method can get you out of debt fast as well. Employers want to keep their employees as it is expesive to keep hiring new ones. You can ask them to help you by agreeing to work a specific amount of years with them. You also try a possible percentage off each year of work.

The Perkins Loan Major Overview

September 5, 2011

The Perkins Loan

the perkins loan

If you are either in college or going to enter into college soon, chances are that you have heard of the Perkins Loan as it is one of the biggest federal loan programs around and has loan billions to borrowers. The Perkins Loan can be an excellent resource to use when you are in need for finances to pay for tuition as well as other expenses that come with college life. To get you familiar with the Perkins Loan, below will be an overall overview of the major details as well as the the explanation of the deterination process of how much money you will get out of the program.

The Perkins Loan – Major Overview

The Perkins Loan is considered a needs based loan that is offered by the US Department of Education and can be obtained through 1800 post secondary institutions. It is also cosidered a subsidized loan which means that the students who partake in the loan program will not have to pay interest payments while in school, the government actually pays it for them and doesn’t not require them to repay this interest. Here are some of the terms of the Perkins Loan:

  • Fixed Interest Rate at 5 percent (Fixed interest rates mean they will never change throughout the life of your repayment).
  • It has a 9 month grace period (You don’t have to pay loan payments or interest for 9 months after you either graduate or drop out).
  • Ten year repayment plan.
  • Borrowing terms are as follows: undergraduates can get up to 5,500 dollars per academic school year, and graduate students can borrow up to 8,000 dollars. The entire amount that you are able to borrow throughout the whole time you are in college is 60,000 dollars.
  • Student loan foriveness is available to students borrowers who do cetain public service jobs, teaching jobs as well as enlist in the military. These student forgiveness programs can enable one to get most or all of their debt wiped away. The graduating scale is often determined for what amounts of your debt will be forgiven, 15 %paid for the first and second year of work, 20 %  for year three and four, and 30 percent for the fifth year of service.

The Perkins Loan – How Much You Will Get (EFC)

How much a student will get through the Perkins Loan program is determined by the information in which is stated on the Free Application of Federal Student Aid (FAFSA) which takes into consideration your EFC or Expected Family Contribution when it comes to the financial help you will be getting from your family. The factors that are determined when it comes to the EFC is:

  • Students Income (As well as the students asses if in fact that are living independent from parents).
  • The Parents Income (For dependant children this also includes their assests.
  • Size of the household.
  • The number of children that are attending college.

After you fill out your FAFSA for Perkins Loan financial aid, you will receive in the mail or email the Student Aid Report (SAR) which will tell you how much you qualify for in the form of your Expected Family Income.

 

Law School Loan Options – 5 Loan Programs/Lenders

September 5, 2011

Law School Loan Information

Law school is expensive, we don’t have to tell you twice, but there are many law school loan options that can enable you to afford law school as well as attain the knowledge you need to pass the bar exam and go onto a flourishing career as a lawyer. There are both federal as well as private lenders that you can go through, and being that often times federal doesn’t provide enough private law school loan lenders are an option, although it is suggested that you take advantage of federal loans first because of their lower interst. To get you familiar with what is out there in the form of student loans, we have prepared for you 3 different federal options as well as 2 different private options for you to use to get your law school loan.

Law School Loan Options

Federal Law School Loan Lenders

  1. STAFFORD Law School Loan – This loan option comes in both subsidized (need based) and unsubsidized (non need based) form. Up to 20,500 dollars in is avialable to your per year with unsubsidized, and with subsidized you can get up to 8,500 dollars. They have a fixed interes rate at 6.8 percent, an activation fee of 1 percent and a 6 month grace period.
  2. GRAD Plus Law School Loan – This option is designated for just graduate and professional students and requires an credit check for qualification which can be either you or a cosigner. Fixed interest rates also apply which are at 7.9 percent and has excellent deferment methods.
  3. Federal Perkins Law School Loan – The Perkins loan program offers you law school loans of up to 6,000 a year at a current fixed rate of 5 percent. This loan is fully subsidized and you do not have to pay interest on the loan until you are finished with college. This option provides you a 9 month grace period as well as has no activation fee.

As you may know, in order to be eligible for federal student aid, you must fill out a Free Application for Federal Student Aid (FAFSA) which will determine how much money you are eligible for for you law school loan.

Private Law School Loan Options

If perhaps the federal law school loan options don’t provide enough money for your schooling, you can use these private lenders to get a law school loan as well.

  1. Citi Bank Law School Loan – You can borrow up to the cost of your education minus any other financial aid your are receiving, a possibility of tax deductions for your payments, provides a 9 month grace period and up to 20 years to repay your debt, no activation fee, good credit can mean a lower interest rate. You can also receive .025 percent off your interest by enrolling in their auto debit program. WIth this loan you must either pay interest while in school or let it accumulate and pay it off later.
  2. Access Group Law School Loan – Also known as Law Access Inc, offers student loans for law students studying for the Law Exam as well as getting ready to take it. The offer extended repayment on their loans enabling you to lower your montly payments. They are partnered with the American Bar Association with whom they enable law students to get money for tuition.

 

National Student Loan Database

September 2, 2011

National Student Loan Database

The National Student Loan Database is provides information on obtaining both federal loans which range from the Stafford subsidized and ubsubsidized options, the Perkins Loan and PLUS loans among others, as well as just being general spot where the US Department of Education provides the most up to date information on the latest financial aid options. They get this up to date information by staying in contact with various organizations like colleges, education programs, agencies, and loan lenders all across the country.

Through this database you can also get access to the status of your loans as well as information on what your balance is on the loans that you have aquired, those being your federal loans as the National Student Loan Database has nothing to do with private loans.

national student loan database

How Does One Access the National Student Loan Database?

If you are looking to use the National Student Loan Datbase for one of the above options, you will need to enter in some information about yourself among other speficiations which will give you a Personal Identification Number (PIN) in which you can use to grant you access to your account. This is what you need to enter to gain access to using the National Student Loan Database:

  1. The first two letters of your last name.
  2. You Social Security Number.
  3. Your Date Of Birth.

Once you fulfill the above, you will be granted access to the pending loan information, outstanding balances as well as infromation on the lender of your loans as well as the school that is associated with each loan as well as the “small print” of your loan information, enabling your to fully familiarize yourself with all the encompassing loan information. By becoming a member of the site, you will be able to monitor your loan information all the way from the beginning of obtaining your loan all the way to the closure of it. If you take out another loan, it usually takes about 30 days for it to show up on the National Student Loan Database website.

If any of this infromation is wrong, or needs to be changed for whatever reason, you can contact the the National Student Loan Database where you will talk to one of the representatives. They will correct what needs to be changed and the changes will show up within 30 days or less.

Other National Student Loan Database Information

Now that you know the main purpose of the National Student Loan Database, there are also ther minor benefits that you can enjoy by being a member. Here are some of the other benefits provided:

  1. Teaching on the loan suject of Exit Counseling where you are advised on the requirements you must meet.
  2. You cna also download an incription code on the National Student Loan Database website in which increase the security of all of your data when it comes to your student loan information as well as keep all of your private and log in information secure from anyone being granted access but you.

 

 

Student Loan Consolidation Rule

September 2, 2011

Student Loan Consolidation Rule

The main student loan consolidation rule is that you must be fully completed with your schooling in order to conslidate your student loans, which if you are unfamiliar with what student loan conslolidation is, it is the act of grouping all of your loans together so you only have to pay one payment each month. Consolidating loans when school is finished also means that you do not intend on going back to school after your start the consolidation process.

By adhering to this student loan consolidation rule, you will be able to enjoy the benfits of lower monthly payments, lower interest rates and best of all, you only have to pay one lender instead of multiple lenders. They are able to do this by extending your repayment period, which if you choose to pay larger payments down the line you can do so.Above is the student loan consolidation rules, but there are other rules and regulations that one may abide by as well. Below are the rules that one must fit in order to enjoy consolidation.

Sutudent Loan Consolidation Rule – Rules & Regulations

  1. The first student loan consolidation rule is that you cannot consolidate federal loans with private loans. This is not a big deal as most consolidation companies offer services that involve both federal and private loan consolidation.
  2. Consolidation is a free process in which can help you immensely, so never pay for any consolidation service as this is no doubt a scam.
  3. There are no restrictions when it comes to student loan consolidation. You may choose to go with any lender you find, but it is highly advised that you apply for many consolidation companies as you can pick and choose which one provides the best benefits to you.
  4. The next student loan consolidation rule is that you can choose whichever loans you want to consolidate. You do not have to consolidate all your loans.
  5. You can even consolidate one loan and still enjoy the benefits of student loan consolidation.
  6. You can only consolidate after your graduation or if you drop out and the best time to do this conslidation is during the 6 month grace period the most all lender offer to their borrowers.
  7. The last student loan consolidation rule is that you can get your monthly payments decreased by up to 60 percent by doing student loan consolidation which can be an excellent benefit when you just get out of college.

Student Loan Consolidation Rule Conclusion

This is the main overview of the student loan consolidation rule as well as different rules and regulations. Student loan consolidation can help you save on your montly payments and interest as well as offer the convenience of just having one organization to deal with for payments and account information. Although the goal of consolidation is to make your payments lower so you have a longer payment term which equates to you paying them more interest, a student loan consolidation rule is that there is no repayment penalities meaning you can increase your payment in the future and still enjoy the benefits on consolidating your student loans.

AES Student Loan – Loans & Services Offered

September 1, 2011

AES Student Loan

AES Student Loan

If you are not familiar with AES Student Loan, they are a loan servicing company also known as American Education Services, and have been providing student loans since 1964. They are a division of the Pennsylvania Higher Education Asissantance Agency and are one of the largest lenders in the country. AES Student Loan offers studnelt loans, different repayment plans that suite your financial situaion best and other services. First off we will start with a background on their loans offered, which there are 4 different options you can choose from:

  1. Stafford Loans - Loan eligibiliy is not based off your credit score and doesn’t require a cosigner. This option provides subsidized and ubsubsidized student loans and they both offer a 6 month grace period where you do not have to pay loan payments for 6 months after you graduate. These loans have low fixed interest rates and usually require you to pay them back in 10 years, although you can extend the payment period if need be.
  2. Parent PLUS Loans – These loans make it easy for parents of dependable children to take out a loan so that you child can afford college. This option isn’t credit based nor is it income based so it makes acceptance a lot easier. This AES Student Loan option provides parents with flexible repayment guidlines as well as they are not penalized if they choose to pay the loans off early.
  3. Graduate PLUS Loans – These loans are dedicated to all the graduate and professional students who are looking to find loans through AES Student Loan. This option allows you to get tax refunds on your payments as well as lenient repyament guidelines.
  4. Private Loans – AES Student Loan also come in the form of private loans that are there in the event the federal loan options above do not provide you with enough money to afford your tuition. Often times private loans, as you may know, have higher interest rates as well as more times than not are credit based, but they also usually offer larger borrowing terms. AES Student Loan is affiliated with many private student loan lenders that can help you out with financial aid.

AES Student Loan Repayment Terms

AES Student Loan offers 5 different repayment terms for their students, here are the 5 options:

  1. LEVEL – This plan keeps payments the same throughout the entire repayment period.
  2. GRADUATED – Allows one to start paying smaller payments and first and have them gradually increase over time.
  3. INCOME SENSITIVE – This AES Student Loan repayment option is based on your monthly income sum as well as how much student debt you have.
  4. INCOME BASED – With this method, you payment is  calculated at 15 percent of you monthly income. The normal repayment term is 10 years and offers loan forgiveness under certain circumstances.
  5. 25 Year Extended – This AES Student Loan repayment method will extend you loan repyament plan to 25 years for those who have large student loan debt which have to be over 30,000.

Other AES Student Loan Services

  • Student loan consolidation.
  • Online account managment is availble for all borrowers to check payment history, manage their loan details and more.
  • Help when it comes to difficulty in making payments.
  • Up to date information on everything related to school loans.

AES Student Loan – Misc Information

Being that they are based out of Pennsylvania, AES Student Loan offer Pennsylvania residents as well as students who are coming from out of state to attend a school in Pennsylvania the KeystoneBEST Loan Program. This program consists of lower costs for student loans for these Pennslyvania students because the PHEAA pays the one percent federal default fee when it comes to lenders who participate in the KeystoneBEST Loan Program, which this benefit is applicable for students who take out any of the AES Student Loan federal loans above, Stafford, Parent PLUS and Graduate PLUS.

 

 

South Carolina Student Loan – Loans Offered & Other Services

August 31, 2011

South Carolina Student Loan

There are many South Carolina Student Loan options that one can choose from, all of which has assisted many individuals financially that helped them have enough money to be able to afford to complete their education. If you are not familiar with the South Carolina Student Loan, they are offered by an organization called South Carolina Student Loan Corporation who is the only non profit loan lender in the state of SC, and being a non profit organization, you know they are there to help instead of just make a profit off you. There are many South Carolina Student Loan options, both federal and private, that you can choose from which are discussed below.

South Carolina Student Loan

South Carolina Student Loan Options

Since 1973 their mission has been to “to assist people like you in achieving the dream of a college education”. Being that they provide both federal and private loans, they can be your one stop shop if federal loans don’t offer you enough money, or vis versa with private loans. Here are the loan options they offer:

  1. Federal PLUS Loans – Includes both Graduate PLUS and Parent PLUS
  2. Stafford Loans – This South Carolina Student Loan choice offers both subsidized and unsubsidized loans)
  3. Palmetto Assistance Loan
  4. SC Career Changers Loan
  5. Residency and Relocation Loan
  6. Law Practice Review & Examination Preperation Loan (PREP)
  7. South Carolina Teachers Loan
  8. Alternatvie Certification of Educators Program Loan (PACE)
  9. Private Loans – These are offered with multiple different lenders

As you can tell South Carolina Student Loan options range from all different needs as can assist pretty much anyone looking for a student loan. The best part about taking out a South Carolina Student Loan is that; there is no application fee, no fee for the activation of the loan (no origination fee), flexible repayment plans as well as they give you the chance to save money through many of their money saving benefits, like if you decide to have your loan payments atuomatically deducted from your account, this will save you .25 percent off your interest each month.

South Carolina Student Loan – Other Services

Now that you are more familiar with what South Carolina Student Loan Corporation has to offer in the form of all their loans and the benefits that they offer, they also offer more services on top of these great loans and benefits. Here are their other services:

  1. Scholarships & Grant information and where you can get it through corporations in South Carolina.
  2. Student Loan Consolidation – If you take out a multiple South Carolina Student Loans, you won’t have to look for a consolidator as they can consolidate your loans for you, making them a resource for both loans and consolidation.
  3. 24/7 online access to your account.
  4. Both college and career planning assistance that can be just the student alone or with their parents as well.
  5. Teacher loan forgiveness on federal Stafford Loans.
  6. Entrance & Exit Loan counseling which educations you on your responsibilities and rights when it comes to your South Carolina Student Loan or loans.

If you like the benefits above and want South Carolina Student Loan Corporation to assist you in getting funding for college, you can visit their site at http://www.scstudentloan.org for more information.

Pay Student Loan Debt Fast – 7 Ways To Do So

August 31, 2011

Pay Student Loan

If you are searching for the pay student loan subject, good chances are that you have just graduated college, which a big congrats is in order! But even better chances are that you want to pay you student loans off fast and not be stuck with them forever, which we don’t blame you at all. To assist you in your persuit to crush these evil things into nothing, we have comprised as list of 7 different methods you can use to pay student loan debt off quicker than the average person, and can be utilized as soon as you choose to.

Pay Student Loan

Pay Student Loan – 7 Methods To Use

  1. The first one which you probably heard about when it comes to the pay student loan debt faster is student loan forgiveness program. You can use the Federal Student Loan Repayement Program for federal student loans and pays student loan debt which pays off up to 10,000 dollars a year on your loans for up to 60,000 dollars. You can provide community service with organizations like the Americorps, Peace Corps and VISTA. These programs will either pay a percentage of your student loan off each year you work for them, which is usually around 15 percent, or provide you with a lump payment at the end of a years service which is in the thousands, around 5000 to 8000 that you can use to pay off you student loan or loans.
  2. This next one is one of the best kept secrets and that is to ask your employer to help you pay off your student loans. This pay student loan debt option can be done by agreeing to provide your best services and that you will stay with the company for a certain amount of years. They do this because it is very expensive to hire new workers and if they know you will stay there by paying your student loan, they consider this a success.
  3. Being that you have just finished college, you are used to living like a student. A great resource to use when setting out to pay student loan fees off is to keep living like a student. Be cheap, avoid the shiny objects, and bargain shop. By doing this you will save money and can use this money to make larger monthly payments which will equate to shorter loan terms and you paying a lot less in interest.
  4. Another way to pay student loan sums off quicker is to pick the shortest repayment program that you lender offers. They advertise longer repayment periods because they know you will pay a lot more in interest. Although the monthly payments will be higher than a longer payment term, it will allow you to get out of debt in a year total that is years or decades shorter.
  5. Negotiating your first job offer is another way you can pay student loan sums off. If you can either hold out for a higher paying job, or convince the hirer that you are worth more money than they are offering, this can mean a couple thousand dollars extra a year which can go right to paying your student loans off.
  6. Starting to save for retirement can bring you a quicker debt free exsitance. When one saves for retirement, the funds are seen as tax deductable. As soon as you get this deduction payment, you can drop it on your loans as well as take the retirement funds out and use it to pay off student loan debt. Killing one bird, you student debt, with two stones. This pay student loan method should be utilized by everyone.
  7. Making a monthly and even yearly budget for that matter can show you where you are spending your money. By having this overview you will be able to see where you are spending money on things you don’t need, eliminate that spending and take the money you saved and use it to pay off student loan debt.

Pay Student Loan – Conlclusion

By utilizing these pay student loan methods, you can knock out your student loans in no time instead of have them follow you around forever. These methods have helped millions of people with loans of high 5 and 6 figures get their student loans paid off in half the time or a lot less than they would have ever though they could. Hopefully these pay student loan debt fast methods were exactly what you were looking for as well as needed to attain your goal of paying off student loans for good.