Apr Student Loans

$100 – $250

This range includes private loans, subsidized loans, unsubsidized loans, PLUS loans, etc.

$251-$350

Private student loan consolidation loans have some type of repayment plan. These plans often require lower monthly payments than the original loan. However, they may not be cheaper than a standard student loan.

$351-500

Student loan refinancing includes private loans, government subsidized loans, and PLUS loans. Refinancing is when you take out a smaller amount of money (usually after paying off the rest) to pay back a larger loan. You may qualify for a bigger credit limit, lower interest rate, reduced fees, etc.

$501-$750

These are higher interest rate loans and are usually only offered at banks. In addition, these loans generally do not allow for any kind of payment deferment.

High-interest rates make these loans unattractive. If you’re going to borrow $1,000+, then you should consider alternative options.

Apr Student Loans

What do you want out of college?

I’m hoping to get some good paying job after I graduate so I can afford my student loans. And I don’t know if going to school for Criminal Justice will help me in any way for a career or not. But I’ve been told it’s just a matter of time before they start hiring people with criminal justice degrees. So at least I’ll have something to fall back on.

Do you think the current system of higher education is fair?

I honestly don’t understand how colleges make money off students. There should be a set amount given to them for each student who attends their school. A lot of schools charge $20,000+ per year for tuition. That seems pretty ridiculous to me. If anything, colleges should be giving scholarships to students who need financial assistance.

What would you change about the way college works?

There should be less emphasis on grades and more emphasis on learning. Grades shouldn’t count as much as what you actually learn in class. People should be taught to think critically and creatively instead of memorizing everything.

How do you feel about making student loan payments?

It kind of sucks. You spend a lot of time working and studying and then you find yourself having to pay your loans. But I guess it’s best to save for retirement than go crazy spending your savings on useless things.

Have you ever considered applying for government loans?

No, I’ve heard about the government loans that allow you to pay for school over time. But I’ve never applied for those myself.

What advice would you give someone who wants to apply for federal student loans?

If you’re looking for private student loans (and not government loans), research companies carefully and choose wisely. I got burned buying private student loans when I was younger. Just look around at different agencies and compare rates and fees to see which company gives you the best deal. Also, don’t assume that the person selling you the loan will tell you the truth about its terms. If they ask you questions like ‘how many hours do you work?’ or ‘are you planning on getting married soon’ or similar, be sure to answer honestly. Then, try and negotiate the best rate possible.

What advice would you offer someone who isn’t currently attending college?

Don’t be afraid to take risks. Go to school where you want to attend because you love it, not because you think you have to go somewhere else. And remember, even if you don’t end up liking school all that much, you still learned a ton. Even if nothing comes out of it, you’ll be glad you went to school.

Apr Student Loans

I’m not sure if I should even bother posting this video. It’s probably just going to get me in trouble… But what am I supposed to do? I’ve been trying to make ends meet while studying at University, but my financial situation isn’t getting any better. Even though I work really hard, sometimes I find myself falling behind on rent. What do I do?! My parents won’t help out because they say I’m already paying them back for my student loans. I don’t want to ask my boyfriend for money because he doesn’t have any either. Sometimes I think about taking advantage of my roommate to get some money but I feel bad doing that. We’re basically best friends. I don’t know what else to do!

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**Disclaimer: AprStudentLoans does not endorse any of these products/services nor is this company affiliated with April Financial Month (AprilFm).**

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Is College Worth It? How Much Should You Spend? | Forbes

How much does college cost? And how little does it actually pay off?

Forbes Magazine talks to several public universities students who explain their school decisions, their job prospects, and how much debt they’ll graduate with

Apr Student Loans

The APR on student loans was doubled to 6.8% last week. In addition, interest rates on federal Stafford student loan plans were increased to 4.66%. For private lenders, interest rates may vary, but many of them increased their APRs by 2-10 percentage points. These changes mean students paying off their loans at the end of summer will pay nearly 9% interest on their loans this year compared to 5% last year.

If you just graduated college earlier this month, you’re probably still reeling from the shock of those higher monthly payments. But if you have been out of school for awhile now and want to refinance your student loan debt, don’t panic. There’s still time to lock in a rate before the April 1st deadline.

And while we’re talking about refinancing, there’s no need to give up on getting rid of that extra credit card debt. If you do not qualify for a low-interest credit card and you carry a balance on your cards, you could get approved for a 0% APR introductory period on a cash advance (which means you pay back money borrowed). The best thing about this offer? You only have until May 31st to take advantage of it.

According to NerdWallet.com, the average cost of tuition and fees for colleges nationwide rose by $500 between 2008 and 2014. To make matters worse, rising housing costs and high unemployment rates have caused some schools to increase tuition even further. Tuition at public universities in California increased by $1,918 per student between 2010 and 2014, according to a survey published by the University of California Office of the President.

Finally, if you plan on attending graduate school, the National Association of College & Undergraduates suggests starting saving for your education years before you actually go to grad school. Otherwise, you may find yourself in over your head financially – and unable to finish – once you enter grad school. The NACUBO says that students should start saving for their educations at least three years before they graduate high school.

Apr Student Loans

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