What I Wish I Knew About Student Loan Debt that I Know Now
I was clueless in my early 20’s when it came to money. Student loan debt was racking up quicker than my bar tab. There are several things I wish I knew in college about student loan debt that I know now. Had I known these things in my collegiate years, I would have entered the workforce financially stable with a realistic plan to tackle my money goals and student loan debt.
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Student Loan Writeoff (College Students, are you ready?)
Student Loan Writeoff does what no other organization does--we gather college students together to form a strong unit that tackles student loan debt through scholarships and paying off student loan debt up to $10,000. Students decide who should receive the cash based on an essay writeoff. Get your fingers ready and write!
Refinance Your Students Loans Now Before Fed Hikes Rates
With a rising rate environment approaching, anybody holding a student loan should consider refinancing, said Brendan Coughlin, president of consumer lending at Citizens Bank (CFG). 'Students should act now to try to lock in low interest rates because with a 15 or 20 year loan, you are going to be dealing with this loan for the rest of your life,' said Coughlin. Coughlin said the price of college continues to rise much faster than the rate of inflation even though the costs of other things like housing and technology have dropped. He said 55% of families do not do any financial homework before sending their child to college. As a result, they are not aware that the return on investment might not be favorable at the school they ultimately select. 'Students should figure out what major they want and understand the commensurate income they are going to make coming out of school before making those big ticket decisions,' said Coughlin. 'Otherwise they will wake up four years later with a lot of debt and buyer’s remorse.'
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Student Loan Debt Rocks the Nation
Retirement harder to reach as student debt saddles millions of Americans.
Martin Lewis: Student Loans Decoded - Part 01 - How much does it cost to go to university
How to Pay Off 6-Figure Student Loans While Pursuing Financial Independence | BP Money 22
Today we are joined by Travis Hornsby from Student Loan Planner who shares several options for paying back your student loans, including loan forgiveness.
Travis shares his rule of thumb for deciding whether to pay off your loans or take the forgiveness route, and tips for refinancing your student loan debt. He also gives future college attendees a few things to consider BEFORE choosing a major.
This episode is for anyone with student loan debt - or anyone with kids facing this choice. Travis also shares how you can still pursue Financial Independence while paying down your student loans.
Packed with actionable advice, this is an episode NOT to be missed!
Check the full show notes here:
How to save money while still making student loan payments
CNBC's Sharon Epperson explains how to balance student loans payments and saving for retirement.
Invest in You: Ready. Set. Grow. is a multiplatform financial wellness and education initiative, in partnership with Acorns, focused on improving Americans’ money knowledge.
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Symposium on student loans during the COVID-19 pandemic — consumerfinance.gov
The symposium is to help student loan borrowers learn more about their benefits and options to manage their debt during the COVID-19 pandemic.
Visit consumerfinance.gov/coronavirus for more information on protecting and managing your finances due to the financial impact of the national coronavirus emegency.
Webinar: Managing Student Loan Debt
In this recorded presentation, experts from APTA’s Financial Solutions Center programs Enrich and Laurel Road provide advice on managing student loan debt.
Student Loan Delinquency: The Untold Story
Today more students are taking on larger amounts of federally-backed loans to pay for a higher education than ever before. That's why it's imperative that policymakers and other stakeholders know how these rising debt levels affect students after they leave school.
On March 17, 2011, the Institute of Higher Education Policy released a policy paper, Delinquency: The Untold Story of Student Loan Borrowing, that examines student loan debt using data from five of the nation's largest federal student loan guaranty agencies. These new data provide detailed information on how 1.8 million student borrowers manage their federally-backed student loans.
To mark the release of this paper, Jason Delisle, Director of the New America Foundation's Federal Education Budget Project, moderated a panel of experts including Alisa Cunningham Director of Research & Evaluation at the Institute for Higher Education Policy, Justin Draeger, President and CEO at the National Association of Student Financial Aid Administrators, Deanne Loonin, Attorney at the National Consumer Law Center, and Dr. Laura Perna, a professor at the University of Pennsylvania Graduate School of Education, who discussed the findings in the report and the greater issue of increasing levels of student loan debt.
Should You Pay Off Student Loans or Invest? The Definitive Guide (US & UK)
Should you Pay Off Your Student Loan or Start Investing? This definitive guide will help you work out whether investing or paying down student debt is best for you. (Inc Student Loan Forgiveness Strategies)
There is so much information about student loans and investing online, but most of it isn't that comprehensive, or it’s just downright wrong. So it’s time to lay out exactly how you should be thinking about this, and giving you all the information you’ll need to identify whether you should be paying down that debt or investing.
Investment Rationale: (3:31)
Subjective Factors: (15:42)
Step 1: Get an Emergency fund
Before you even start to think about investing or even paying down your debts there is one this you absolutely have to do first. You’ve heard it before, and I’ll say it again. You need to have an emergency fund. You need to have enough cash saved up to fund 3-6 months of your living costs if the worst should happen.
I know it can seem counterintuitive to have cash in the bank whilst you’re got some big old debts outstanding. But just imagine if you’d made a big overpayment on your loan, you’re feeling pretty pleased with yourself, and then suddenly you crash your car, and you’ve got no cash to pay for repairs. And you end up having to pay for it on your credit card that’s gonna charge you a hell of a lot more than the student loan did in the first place! So always keep some cash on hand.
Step 2: Educate yourself on Investment Returns
Most people make the basic mistake of looking at the average return of the stock market 9% and thinking “Hey, this is bigger than the rate I’m paying on my loans. So surely I’ll be better off by investing”. The thing people miss here is that that average stock market return is not guaranteed, whereas the student debt interest is. And even though the average is 9% you still have a very high probability of ending up with less.
You also need to consider that if this was just a normal investment opportunity, you’d be taking all of the same risks that come with investing in the stock market, for only a fraction of the return.
Part 3: Student Loans in the UK & US
I cover off in detail the differences between the types of student loans and how each of them will affect your decision.
Student Loan Refinancing Resources:
Part 4: Subjective Factors
Arguably, this is the most important part. What are your goals, what are you trying to achieve? Do you want to be debt-free as soon as possible or do you feel like you can handle the risk and want to start learning about investing? I talk about all the factors you need to consider.
How Bankruptcy & Student Loans Impact Your Credit Score
Should you pay off a collection account or file for bankruptcy? Does being late on your student loan payments impact your credit score. Credit expert, Will Roundtree answers these questions and more.
Learn more action steps on how to restore your credit by enrolling in our EZ Funding or Credit Mastery Program today!
Visit or Call 1-844-JOIN-JMA to Receive Your FREE Financial Game-Plan(Mon-Sat 9am-6pm EST)
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What is MPower Financing education loans for studying abroad?
No collateral, no-cosigner, fixed interest rate loans for studying in US and Canada - this is what defines the unique product of MPower Financing education loans for studying abroad.
Learn more about how MPower Financing can support your education in Canada & US -
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????Ep. 503: How Government Inflated the Student Loan Bubble
The Peter Schiff Show Podcast - Episode 503
Recorded September 20, 2019
These three videos were referenced in today’s podcast:
How government programs drive up college tuitions
Is a college degree worth the cost? You decide
Peter Schiff Standup Comedy
Fed Proving Me Right -
As I surmised, when I recorded my podcast on Wednesday, it seems pretty clear that the Federal Reserve has already returned to quantitative easing. And that didn't take long, because they just ended QT (quantitative tightening) and they've already begun QE. - Although, the Fed is not going to admit that that's what they're doing. Apart from proving me right, which was one of my forecasts from the very beginning, even before the Fed was talking about ending QE, I said they could never end it before they even started it.
Monetary Roach Motel -
I had forecast what the Fed was going to do before they did it. And when they announced quantitative easing, not only did I say it was a mistake, but I said the Fed was checking us into a monetary roach motel from which we could never check out. It was the delusion that we could check out - the Fed was able to convince the markets that it was a temporary policy and that they would only be doing it in an emergency, then they would unwind the policy and shrink their balance sheet and the market believed them.
QE Plus Zero Interest Rates Equals Bigger Problem -
I didn't believe them, and I was warning everybody that the Fed was either lying or didn't know what they were talking about or foolish, but the markets bought into this nonsense. So, clearly, if the Fed were going to go back to quantitative easing, they would basically be admitting that the policy was a failure. Because the policy was intended to be temporary, not permanent. If they have to do it again, then it proves that it wasn't temporary. Again, what I said, by doing quantitative easing in conjunction with lowering interest rates to zero, they were simply taking a debt problem and making it much bigger by encouraging even more debt. So once you load up with debt, once you encourage everybody to lever up, then you can't pull the rug out from under them.
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How Much Money Should You Borrow On Your International Student Loan
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How to Kick Your Student Loans to the Curb #JustAskAO
Here is how to kick your student loans to the curb! Leave your comments and questions below.
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WHY I SHOULDN'T HAVE GONE TO UNIVERSITY - STUDENT LOAN DEBT | SOC PODCAST
WHY I SHOULDN'T HAVE GONE TO UNIVERSITY - STUDENT LOAN DEBT | SOC PODCAST
Welcome to the Spoon of Consciousness Podcast - this channel is dedicated to helping you along your journey of spiritual awakening and personal development with podcasts about channeling, consciousness, entrepreneurship & much much more!
This is a clip from my podcast with Travis, you can catch the full episode here -
In this video Travis and I talk about the traditional route through life - school university, marriage, children & the pursuit of material wealth. This caused me to have a look at the decisions I'd made over the years and question why I got myself into major debt just for a piece of paper that doesn't mean anything - my degree.
This is not to say that college or university is bad for everyone but we should all ask ourselves - should i go to college? Why go to college? what's it going to do for me? and what will i get out of it other than debt. This ties in with how to be an entrepreneur and what does it take to be an entrepreneur?
Entrepreneurs must know what risks to take and which ones won't result in the future they want to create. This video will explain what they don't tell you about going to college.
Travis's Socials -
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STUDENTS LOAN TRUST FUND DOCUMENTARY
Corporate documentary for the Students Loan Trust Fund
NEW Stimulus Package Update: Student Loan Forgiveness | 7-6-2020
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Congress is currently on vacation but will resume negotiations of a second relief package on July 20th and a new bill can be signed in early August to send millions of Americans a second stimulus check to help them through this crisis. Will student loan forgiveness be included in the next stimulus package? In this video, I explain what may be incorporated in the next relief bill.
#StudentLoanForgiveness #Stimulus #HEROESact
STUDENT LOANS | HOW I PAID OFF $83,000 FEDERAL STUDENT LOAN DEBT IN 5 MONTHS + THE BEST STRATEGIES!
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How To Pay Back Your Student Loan
‼️‼️‼️This video will change your life!‼️‼️‼️
Learn the 3 key pieces to know, learn, and understand for PAYING BACK YOUR STUDENT LOAN.
Raise your hand if you need to pay back your loan still! Meeeeee!????????????
Raise your hand if you feel pretty helpless and think you’ll never be able to pay it back! Also meeee!????????????
That is, until I educated myself on what was going on and created a plan of action that I go over in the video.
Who’s ready to create their own loan plan of action?!
If this video helps you give it a like, heart, comment, and SHARE THIS with another acupuncturist who needs to know how to pay back their student loan too!
Actually SHARE THIS WITH EVERYONE!
It’s so important to educate yourself on student loan repayment!
We can do it!
Your loan will be paid off and you will create freedom and abundance in your life!
This video was co-written by the amazing Amanda Gaituad who will be releasing a book on student loans out this summer! More information on that soon! Join my email list at 6figureacupuncturist.com to stay informed!
Public Service Loan Forgiveness: How it Actually Works
We're going to demystify the public service loan forgiveness program and tell you how it actually works.
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How Did We Get Here: Growth of Federal Student Loans (Part 1)
A history of student loans in the US, as told by some of the most influential actors in the creation of the student loan program over the years.
Consolidate My Student Loans | What the banks don't want you to know!
consolidate my student loans -
studentdebtcrisis.org to do your own consolidation or call 888-894-0777 for assistance.
Nowadays, education can be an expensive endeavor financially. Many students are getting financial aids to fund their college study. Although there are students getting scholarships, most students who don't get the free money need to apply for private student loans to pay for their education. These private student loans may charge high interest rates and can be a financial burden to these students that don't earn high enough income to repay the loan after their graduation. It is well worth for those who have taken multiple private student loans to look into the options available for consolidating their loans into low interest rate to get 2 benefits with one solution: ease of debt management and pay less in total interest with a loan at low interest rate. Here are the 7 steps of consolidating private student loans: (
Step 1: List all the outstanding private student loans
Before finding for consolidation loans, you have to know the total amount you owe in the loans, the interest rate of each one and the monthly payment amount, etc. List them in the order from highest interest rate with largest amount to the lowest. Just in case you can't find a consolidation loan to get rid of all accounts, paying off the amount owed with highest interest rate with larger amount will save you more interest.
Steps 2: Review the terms of each private student loan
Some student loans may cost expensive prepayment penalties. Therefore, you have to review the terms of your current loans. Record down the penalties and the charges that will cost you if you settle them earlier than the terms specified in the agreements.
Steps 3: Clean up your credit report
Your credit rating will determine the interest rate, the amount and the chance for your loan application to be approved. Therefore, you need to make sure your credit status is up-to-date and no error found in your credit report. Before you apply a loan, get the credit reports from 3 common credit bureaus and review the report. If you have paid off a debt, but it is still listed as unpaid balance, it can significantly affect your credit score. You have to request any error found in your credit report to be corrected so that your credit score truly indicate your credit status.
Steps 4: Define the objectives of consolidation
What are your objectives of consolidating the private student loans? If your goal is to lock the loan at a fixed low interest rate and you own a home, you might want to consider a home equity loan. Or, the current total monthly payment cause a financial burden on you and you want to reduce the monthly payment. In this case, you will need to look for a loan that has repayment term that is long enough to reduce the amount that reaches your comfortable level. But, be aware that the longer you take to pay off a loan, the more interest you have to pay.
Steps 5: Decide on a consolidation loan
Once you know what you need in achieving the goals of consolidating private student loans, you can start look for a suitable loan from many offers in the market. Compare them in term of costs, interest rates and other benefits before deciding the one that meets your requirements.
Steps 6: Short-list and contact the lenders
After reviewing the offers that meet your objectives of consolidating private student loans, short-list a few of the best offers. Then, contact the lenders to get further details. You may negotiate to lower the interest rate when meet up the lenders. If you have credit history, they may agree to offer you with cheaper rate in order to secure you as their customer.
Steps 7: Sign up a consolidation loan
Once the loan is approved, review the fine-print of the agreement before accepting the loan. Then, use the loan to pay off the private student loans and make the monthly payment on time until it is paid off.
For more advice and information on Student Loan Debt Consolidation, Student Loans, Federal Loans and Stafford Loans, visit studentdebtcrisis.org to do your own consolidation or call 888-894-0777 for assistance.
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Corporations GORGING on Government Money While Students Become Slaves to Student Debt
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Kevin Carey, director of New America Ed, joins Ring of Fire’s Sam Seder, to talk about students becoming slaves to debt while for-profit corporations are raking in the dough.
Kevin Carey’s Full Article —
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How To Pay For College (The Right Way)
Get life-changing financial advice anytime, anywhere. Subscribe today:
Americans owe over 1.6 trillion dollars in student loan debt. Many parents and students believe the myth that paying for college isn’t possible without student loans. But that’s just what it sounds like – a myth.
Your kids CAN graduate debt-free and ready to succeed. Here are four tips for paying for college without debt:
Choose a school you can afford. Take a look at what colleges you can realistically pay for. If you can’t cash-flow a 4-year university, community colleges or trade schools are a great option to get an education. It doesn’t matter what kind of school you go to, as long as you’re not going into debt to get there.
Apply for scholarships and grants. Treat the scholarship search as a part-time job! You should be spending an hour a day filling out every single scholarship opportunity you can find. It’s free money!
Work during college. Look into work study programs, working on or off campus, or even starting your own business.
Live at home. This could save you thousands each year in room and board fees!
Sending your kids to college can be overwhelming. But remember, it IS possible to pay for college without going into debt. Anthony Oneal’s new book, Debt-Free Degree, shows parents how to help their kid pay for college without student loans and set them up for financial success. Get a copy today:
How I Got a Bachelors, Masters, and PhD with NO Student Loans
Bachelor's degree from Harvard University
Master's degree from Columbia University
Doctoral degree from Columbia University
and all with ZERO Student loans! Here's how I finished three Ivy League degrees without any student loan debt!
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How To Get An International Student Loan
See internationalstudentloan.com for more and to see if you are eligible - with just a few clicks!
Once your students have maximized their scholarships, they may need more financial help. International student loans can be a great way to borrow money to help cover their education fees.
Brian Yu - Reasons Why I Hate Student Loans (CUPSI 2016)
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TMCC FLAMES - Picking A Student Loan
The first step in taking control of your financial future is to fully understand your student loans! Don't fall into the debt trap.