Student Loans
10 articles in Student Loans
Student Loan Repayment Plans: Every Option Compared Side by Side
Compare every student loan repayment plan side by side: Standard, Graduated, Extended, and income-driven options including the new RAP plan for 2026.
Student Loan Interest Rates: Current Rates and How They're Determined
Federal student loan interest rates for 2025-26 are 6.39% (undergrad), 7.94% (grad), and 8.94% (PLUS). Learn how rates are set and what they cost you.
Income-Driven Repayment: How It Works and Which Plan to Choose
Income-driven repayment plans base your student loan payment on earnings, not balance. Compare IBR, PAYE, ICR, and the new RAP plan for 2026.
Student Loan Forgiveness: Who Qualifies and How to Apply
Student loan forgiveness programs can erase your remaining balance. Learn who qualifies for PSLF, IDR, and teacher forgiveness, plus how to apply.
PSLF: The Complete Guide to Public Service Loan Forgiveness
PSLF forgives your remaining student loan balance after 120 qualifying payments in public service. Learn eligibility, common pitfalls, and how to apply.
Should You Refinance Student Loans? When It Helps and When It Hurts
Refinancing student loans can save thousands in interest, but you lose federal protections. Learn when refinancing helps and when it hurts.
How Much Student Loan Debt Does the Average Borrower Carry?
The average student loan borrower owes $39,375. See how debt breaks down by degree, age, state, and race, plus what it actually costs per month.
Federal vs. Private Student Loans: Key Differences
Federal and private student loans have different rates, protections, and repayment options. Learn which type you have and why the distinction matters.
Student Loan Deferment: How to Pause Payments Without Default
Student loan deferment lets you pause payments during hardship, school, or military service. Learn the types, costs, and how to apply.
Student Loan Forbearance: Why It's a Last Resort
Student loan forbearance pauses payments but interest always accrues and capitalizes. Learn when forbearance is justified and what alternatives exist.