I’m in grad school and work full time. I have several Federal student loans in deferment, all of which are subsidized or unsubsidized with different interest rates. I have an extra $500 each month that I'd like to use towards my loans. If I want to have lower monthly payments when my loans go into repayment, should I make extra payments now towards the interest from unsubsidized loans with a lower interest rate or the principal of subsidized loans with a higher interest rate? Or is there a better approach? [more inside]
posted by yeoja on Sep 22, 2009 - 9 answers

I'm trying to go back to school. I have bad credit, some unpaid debt, and cannot afford any classes without help... Help! [more inside]
posted by itsacover on Jul 10, 2009 - 9 answers

I have already consolidated my student loans (federal Stafford loans) with Brazos, and I am not happy with them. Is it possible for me to move these loans to another lender? Is there a down side to doing so? [more inside]
posted by nosila on Dec 15, 2008 - 2 answers

Are there any credit counseling or 3rd party agencies that work with student loan repayments? [more inside]
posted by smashingstars on Sep 17, 2008 - 16 answers

My partner and I need to acquire a loan for her grad school. The catch(es): She's not a citizen. We're gay. We don't have the first clue how to go about doing this. Help! [more inside]
posted by anonymous on May 15, 2008 - 12 answers

How do you figure out daily interest from an APR on student loans due monthly? [more inside]
posted by johnofjack on Feb 28, 2008 - 8 answers

I'm an American living in BC with about $20K in consolidated Stafford loans. I moved up here two years ago for graduate school at UBC. I've since graduated, secured gainful employment and have applied for permanent residency. My student loan repayment begins soon and I'm trying to figure out the easiest way to do the actual paying. I heard that the Dept of Ed will give you an interest rate reduction if you setup direct withdrawal from a bank account. Is this possible with a Canadian bank? If not, is there another way to setup automatic payments? Any other hidden gremlins of loan repayment from abroad, both physically and financially? [more inside]
posted by Nelsormensch on Nov 7, 2007 - 11 answers

Consolidate student loan or would that possibly be bad for my credit? [more inside]
posted by thetenthstory on Oct 16, 2007 - 2 answers

Please tell me, using layman's terms whenever possibly, everything you know about student loans. (backstory inside) [more inside]
posted by Quidam on Aug 12, 2007 - 13 answers

I'll be borrowing $22,200 to pay for school. All other things being equal, which loan is best? All three options have a 10-year term. Loan #1: 5.55% fixed rate; 1% principal rebate after 12 months; a second 1% principal rebate after 24 months Loan #2: 5.55% fixed rate; zero payments for the last 6 months Loan #3: 6.55% fixed rate; a 3.3% principal rebate after 33 months [more inside]
posted by kakes on Jun 25, 2007 - 7 answers

StudentLoanHellFilter: No more sub or unsub fed loans. No help from FAFSA. Are we doomed to pay back student loans for the rest of our lives? [more inside]
posted by CwgrlUp on May 9, 2007 - 38 answers

CreditFilter: Does co-signing for my student loans affect my parents' credit? [more inside]
posted by charmston on Jul 1, 2006 - 9 answers

I have a sizable amount of Federal Perkins and Subsidized Stafford student loan debt, and I'm thinking of consolidating to take advantage of current interest rates. 1) Is this a good idea (why/why not?), 2) Through whom do I consolidate? I seem to get offers to do so every day from random companies. Is any one more reputable than any other? The only one of which I've heard is Sallie Mae. [more inside]
posted by The Michael The on Apr 1, 2005 - 15 answers

I'm in college in the U.S., and have a few state student loans. They were under a forebearance that I once requested, which ended four months ago. I didn't realize this, and ignored the mail that was sent about it because I thought it was the usual mail they send me about how I have a loan and ads for consolidation. I just recently got this fixed and the forebearance backdated so it will have another year from when it ended. But I now have two 60-day late marks on my otherwise good credit report. Anything I can do to get rid of them?
posted by anonymous on Jan 8, 2005 - 5 answers