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Government Report Reviews Private Student Loans and Recommends Statutory Changes

Government Report Reviews Private Student Loans and Recommends Statutory Changes

The Consumer Financial Protection Bureau (CFPB) and the US Department of Education released a report to Congress about private student loans on July 20, 2012 as mandated by section 1077 of ...

Mark Kantrowitz
Published July 19, 2012
White House Releases Model Financial Aid Award Letter "Shopping Sheet"

White House Releases Model Financial Aid Award Letter "Shopping Sheet"

Photo courtesy of Department of Education.

Mark Kantrowitz
Published July 24, 2012
Research Shows Women Suffer More from Student Loan Debt

Research Shows Women Suffer More from Student Loan Debt

New research shows women affected more by student loan debt than men.

By Kathryn Knight Randolph
Published August 21, 2015
Who Really Graduates with $100,000 or More in Student Loans?

Who Really Graduates with $100,000 or More in Student Loans?

Newspaper headlines suggest that many students graduate from college with hundreds of thousands of dollars in student loan debt. But is this really the case? A new report, Who Graduates College ...

Mark Kantrowitz
Published August 5, 2012
Will a Parent PLUS Loan be Denied When Applying for Two Loans for Two Children?

Will a Parent PLUS Loan be Denied When Applying for Two Loans for Two Children?

I am applying for two Parent PLUS loans because I have twins going to school at the same time. Is it possible one loan will be denied because we are applying ...

Mark Kantrowitz
Published August 13, 2012
Department of Education Launches New Income-Based Repayment Plan

Department of Education Launches New Income-Based Repayment Plan

Learn more about the new income-based repayment plan, REPAYE.

By Kathryn Knight Randolph
Published November 12, 2015
Dear Santa, Please Pay Off My Student Debt…

Dear Santa, Please Pay Off My Student Debt…

When you have student loan debt up to your ears, turn to a new type of direct crowdfunding as a source for help.

Elizabeth Hoyt
Published December 14, 2015
Making Smarter Student Loan Decisions

Making Smarter Student Loan Decisions

Remember, loans are not free money!

Elizabeth Hoyt
Published May 12, 2015
Are You a College Drop-Out Risk?

Are You a College Drop-Out Risk?

Before you borrow, make sure it will pay off in the future.

Elizabeth Hoyt
Published July 2, 2013
The “Free” Tuition Experiment

The “Free” Tuition Experiment

It seems as though many are considering the recent doubling of student loan rates as a tipping point to the education cost issue - with more alternative payment programs resulting.

Elizabeth Hoyt
Published July 10, 2013
When Can a Student's Grandparents Substitute for the Parents on Financial Aid Forms?

When Can a Student's Grandparents Substitute for the Parents on Financial Aid Forms?

If a student lives with a grandparent, is there any way the student can use the grandparent's income tax information on her FAFSA? I have lived with my grandmother for all ...

Mark Kantrowitz
Published August 8, 2011
Debt Worriers

Debt Worriers

Student debt spans the population and affects all groups across age, race, ethnicity and gender.

Elizabeth Hoyt
Published July 16, 2013
When Does Repayment Begin on a Subsidized Loan?

When Does Repayment Begin on a Subsidized Loan?

When does a student have to start paying back a subsidized loan? — A.A. If the loan is a subsidized Stafford loan, repayment begins 6 months after graduating from college or ...

Mark Kantrowitz
Published August 15, 2011
Impact of Tax Filing Status on Income-Based Repayment for Married Borrowers

Impact of Tax Filing Status on Income-Based Repayment for Married Borrowers

We married in January of last year, after my husband graduated with a Master's degree in December. His loans total $65,000 and he earned $20,000 last year. I graduated in May ...

Mark Kantrowitz
Published March 19, 2012
PSST! Want to Graduate from College with an Undergraduate Degree and No Debt?

PSST! Want to Graduate from College with an Undergraduate Degree and No Debt?

A recent research report analyzes the characteristics of the 1.7 million undergraduate students who were able to graduate in 2007-08 without any student loan debt. About two fifths of undergraduate students ...

Mark Kantrowitz
Published August 24, 2011
If I Stop Paying My Student Loans, Will the Default Yield a Reasonable Settlement?

If I Stop Paying My Student Loans, Will the Default Yield a Reasonable Settlement?

I would like to know what will happen if I stop paying my student loans. I have never been unemployed and don't plan to be, but my loan payments are over ...

Mark Kantrowitz
Published September 5, 2011
Should Students and Parents Who are Close to Retirement Borrow to Pay for College?

Should Students and Parents Who are Close to Retirement Borrow to Pay for College?

I am 47 and recently divorced single parent of two children, ages 7 and 8. I spent the last 9 years as a stay-at-home parent. As a result of the divorce, ...

Mark Kantrowitz
Published April 16, 2012
What are the Downsides and Upsides to Unsubsidized Federal Student Loans?

What are the Downsides and Upsides to Unsubsidized Federal Student Loans?

As a guidance counselor, I have many families asking me if there's any downside to taking out a federal unsubsidized loan. They need loan money either way and the rates for ...

Mark Kantrowitz
Published April 23, 2012
A Primer on the Doubling of the Subsidized Stafford Loan Interest Rate

A Primer on the Doubling of the Subsidized Stafford Loan Interest Rate

This article summarizes the background concerning the doubling of the interest rate on new subsidized Stafford loans to undergraduate students from 3.4% to 6.8% on July 1, 2012. It also discusses ...

Mark Kantrowitz
Published April 24, 2012
Presidential Candidates on Student Loan Debt

Presidential Candidates on Student Loan Debt

Presidential candidates weigh in on student loan debt.

By Kathryn Knight Randolph
Published June 18, 2015