Struggling to pay your student loans? We can help.
At Credit.org, we are dedicated to helping you navigate the complexities of student loans. Asking your loan servicer for a forbearance or deferment without getting information about the consequences of doing so or understanding if there are other options is essential to your financial well-being. Our expert counselors provide personalized support to help you understand your options and make informed decisions.
To serve as an introduction to our guide, our video from FederalStudentAid explains what responsible borrowing is. In this section we will review the following: * Saving for Higher Education * Making the Grades * Narrowing Your Choices * Applying for Admission * Choosing the Right School * Explore Financial Aid Options * Applying for FAFSA
Prepare For Graduation, Take Charge of Student Debt
Readying yourself for graduation can help you get a jump start on success. Credit.org has created the following guide to help you prepare for graduation. If it is time to prepare for graduation, the below video from FederalStudentAid can help you understand what repayment preparation looks like.
In this section we will review the following:
* Create a Budget * Understand Your Credit Report * Manage Your Student Loans * Explore Career Options * Discover Your Talents and Interest
Post Graduation, Build a Debt-Free Future
The future is yours. Credit.org has created the following guide to help you achieve your aspirations. If you are done with your college career, the below video from FederalStudentAid can help you understand how to manage your loan repayment. In this section we will review the following: * Build a Resume * Craft a Career Roadmap * How to Find the Right Job * Successful Interviewing Skills * Understanding Your Student Loan Debt * Choosing the Right Solutions for Repayment
Get a Clear Understanding of Your Options and a Detailed Plan Today.
Step 1: Start With a Free Student Loan Counseling Session
Meet with a certified counselor to review your federal and private loans, explore forgiveness options, and understand the repayment choices available based on your goals.
Step 2: Review Current Loans, Repayment Terms, and Forgiveness Eligibility
We’ll evaluate your loan balance, interest rates, and lenders to help you find affordable payment plans, reduce costs, or access relief programs.
Step 3: Create a Repayment Strategy That Matches Your Budget and Timeline
Whether you’re in school, graduated, or in default, we’ll build a step-by-step plan to manage payments, avoid delinquency, and regain financial control.
Step 4: Get Tools and Guidance to Stay on Track and Avoid Loan Pitfalls
You’ll gain budgeting tools, income tracking tips, and ongoing support to manage your student loans smartly, so you stay informed, in control, and on the right track.
Wherever You Are on Your Student Loan Journey, We’re Here to Help
Managing student loans and improving your financial health is easier with the right tools. From repayment calculators to step-by-step guides, our resources help you explore student loan debt relief, understand repayment options, and build long-term financial stability.
What’s the Difference Between Subsidized and Unsubsidized Loans?
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Subsidized loans don’t accrue interest while you’re in school. Unsubsidized loans do. Knowing this helps you plan and manage future loan payments more effectively.
How Do Student Loans Work for College or University Costs?
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Student loans help cover tuition, books, and living costs. Repayment begins after graduation, with interest. Understanding loan terms is key to staying on track.
How to Apply for Student Loans and Secure Financial Aid?
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Start by completing the FAFSA. Accept your aid package, then review federal and private loan options. Finish with counseling and your Master Promissory Note.
Do Student Loans Show on Credit Reports and Impact Scores?
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Yes, student loans appear on your credit report. Timely payments build credit; late payments hurt it. Manage your loans well to protect and grow your score.
Dive Into Our Student Loan Blogs for Deeper Insights
