Student Loan Default: 2 Ways To Avoid Wage Garnishment
With wage garnishment on defaulted student loans paused, over 5.5 million borrowers have a limited window to consolidate …
Alyssa Young3 min read
Student Loans
Alyssa Young3 min read
Public Service Loan Forgiveness: How Trump's Changes Could Affect Your Student Loans
A 2025 executive order could strip Public Service Loan Forgiveness eligibility from workers at certain nonprofits and agencies …
Alyssa Young2 min read
How to Build an Emergency Fund While Paying Off Student Loans
Paying off student loans and saving for emergencies at the same time feels impossible, but the right budgeting …
Ralph Fernandez3 min read
FICO 8 Credit Score Model Explained
FICO 8 still dominates lending decisions even though newer scoring models exist. Here's how it weighs credit card …
Alyssa Young4 min read
Student Loan Balances: How Do You Compare to Ages 25 to 34 Average
Millions of borrowers aged 25 to 34 owe an average of $33,566 in federal student loans, and the …
Ralph Fernandez3 min read
International Students May Skip the US: Why That Hurts the Economy
Trump's overhaul of the Department of Education and crackdowns on student visas could cost billions, from loan servicing …
Ralph Fernandez3 min read
Student Loan Repayment While Unemployed: How to Survive Until You Find a Job
Lost your job with student loans still due? Here's how deferment, forbearance, income driven repayment, and unemployment benefits …
Tabitha Brown4 min read
SAVE Plan Borrowers: What to Know Before Switching Income Driven Plans
Interest resumes on SAVE plan loans August 1, 2025. Here is how switching to IBR, waiting for RAP, …
Ralph Fernandez4 min read
Student Loan Forbearance Could Carry Hidden Costs
Pausing student loan payments through forbearance can bring quick relief, but accruing interest and credit report ripple effects …
Alyssa Young2 min read
Student Loan Debt: How Does Yours Compare to Others
Student loan debt by age reveals a surprising pattern: borrowers in their 50s carry the heaviest balances, not …
Ralph Fernandez3 min read
Student Loans: How to Manage Payments After Deferment Ends
Deferment can pause federal student loan payments for up to three years, but interest may keep growing. Here's …
Ralph Fernandez3 min read
Debt Settlement: How It Affects Your Credit Score
Debt settlement can shrink what you owe, but it almost always dents your credit score. Here's how the …
Alyssa Young2 min read
Student Loan Consolidation Savings Come With Hidden Costs
Combining multiple student loans into one payment sounds appealing, but the details matter. Here's how federal and private …
Alyssa Young4 min read
Side Hustle Strategies to Pay Off Student Loans Fast
Thinking about a side hustle to pay off student loans faster? Here is how to pick the right …
Tabitha Brown4 min read
Are Student Loans Worth It? What Borrowers Should Know
How much student debt is too much? A simple salary based rule, plus federal versus private loan rates, …
Tabitha Brown3 min read
Student Loan Repayment Programs Could Boost Your Financial Future
More employers than ever are helping workers pay off student loans. Here's how these programs are structured, what …
Tabitha Brown2 min read
Debt Relief Explained: How It Works and Common FAQs
Buried in credit card or medical debt? Debt relief options like consolidation, settlement, and bankruptcy each offer a …
Ralph Fernandez5 min read
Colleges Rely on Federal Funding: What Happens When It Stops
Nearly 100 colleges have had federal funding frozen or cut, including Columbia University's $400 million research budget. Here's …
Alyssa Young3 min read
Student Loan Servicer Changed? How to Stay on Track
Switching student loan servicers is common, but errors happen. Here's what to check, what to save, and who …
Alyssa Young3 min read
Student Loan Debt Ages 35 to 49 Compared to National Averages
Borrowers ages 35 to 49 carry some of the heaviest student loan balances and delinquency rates in the …
Alyssa Young3 min read
SBA Role in Student Debt Management Explained
Trump's plan to shift 1.7 trillion dollars in student debt to the SBA, an agency that just cut …
Alyssa Young3 min read
Managing Multiple Student Loans: What Borrowers Should Know
Juggling several student loans at once? Here's how tracking your loan terms, rebuilding your budget, and choosing between …
Alyssa Young4 min read
Student Loan Collections: How to Protect Your Finances
Federal student loan collections have resumed, putting borrowers in default at risk of wage garnishment. Here's how rehabilitation, …
Ralph Fernandez3 min read
Education Department Oversight Cuts: What Student Loan Borrowers Should Know
Federal cuts to student loan oversight staff could mean longer wait times, weaker servicer accountability, and more defaults. …
Alyssa Young3 min read