«What
type of student loan do I have» is the most common question we hear from borrowers.
Not exact matches
CommonBond's average savings methodology excludes refinance
loans during the period mentioned above in which members elect a refinance
loan with longer maturity than their existing
student loans, the term length
of the member's original
student loan (s) is greater than 30 years, and the member
did not provide sufficient information regarding his or her outstanding balance,
loan type, APR, or current monthly payment.
CommonBond's average savings methodology excludes refinance
loans during the period mentioned above in which members elect a refinance
loan with longer maturity than their existing
student loans, the term length
of the member's original
student loan (s) is greater is than 30 years, and the member
did not provide sufficient information regarding his or her outstanding balance,
loan type, APR, or current monthly payment.
So, even if the program you are eligible for doesn't offer enough to pay off your
loan balance, you can still benefit from other
types of loan repayment assistance as you figure out how to get rid
of student loans.
But during deferment period, certain
types of student loans will not accrue interest while some will
do.
It would be extremely difficult to get approved for a private
student loan without a cosigner if you don't have much credit history, so if you can't find a cosigner you will have to build up your credit score with other
types of loans first (like
loans on college furniture, or even federal
student loans — both
of which can boost your credit).
In fact, Parent PLUS
Loans don't offer any
type of income - based repayment plan (directly) nor
do they qualify any
type of student loan forgiveness programs (well, once again, this is nuanced as well and we discuss below).
Well, you can typically refinance again and again, as long as your
student loan doesn't have any
type of prepayment penalty or prohibition.
In this
type of Direct Stafford
Loan,
students don't pay interest on their
loans while in school at least half time, during grace period or a period
of deferment.
To better understand the determinants
of student loan default, we ask the following questions in this blog post:
Do default rates differ by college
type?
There are many
types of student loans so you should
do your research before applying, not all
of them will be suitable for you and you may find some
loans more appealing than others.
Did you know that almost every single state has some
type of student loan forgiveness program?
Usually, the so - called
student loan debt relief companies offering these
types of services don't offer any relief at all.
As previously stated, this application
of basis points
does not vary between
student loans interest rates or other
types of interest rates.
Of course, when student loans are in default, they do have one thing in common with other types of deb
Of course, when
student loans are in default, they
do have one thing in common with other
types of deb
of debt.
Before we start diving in to specifics about
loan types and what you can
do to pay off your debt, it's important for us to just have a general sense
of what a
student loan is.
Nick: So this is probably something that you discuss on a normal basis because a lot
of people
do, they have private
student loans, which would be maybe through a bank or private investor, some
type of situation like that, and then federal
student loans, which the government backs.
And we've been
doing more to improve
student loan servicing and protect borrowers so they receive the treatment and respect they deserve, regardless
of the
type of loan they have.
As any other existing
types of loans,
student loans do also have interest.
This doesn't mean you should open 10 different credit card accounts; what it means is that you should have different
types of credit, such as a mortgage, a financed auto
loan, a
student loan and a few credit cards.
While normally
student loan borrowers can only apply for
student loan refinancing or consolidation after graduation, borrowers don't have to wait until they graduate to refinance and consolidate their
loans through EdvestinU, but EdvestinU doesn't allow borrowers a complete grace period while they are still in school, as some
types of loans do.
This
type of educational
loan is a great alternative to cosigning on a
student loan because the parent
does not have to jeopardize their credit history.
Although the
student does not need any credit history to qualify for this
type of loan, the parents must be credit worthy.
Do you have credit card debt,
student loan debt, or some other
type of debt?
Students under the age
of 24 must provide their parents» financial information as well as their own to establish eligibility for
student loans, although parents
do not have to co-sign these
types of loans.
Don't know which
types of federal
student loans you have?
Since your credit doesn't actually matter for these
types of loans, qualifying for these
student loans with bad credit is pretty straightforward.
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This
type of consolidation — typically called
student loan refinancing — is
done through a private lender.
When a consumer applies for credit card consolidation, what they are actually
doing is receiving a new
loan from a lender to pay off all their credit card debt, and oftentimes other
types of debt such as automobile or
student debt.
So, just enroll in a
student loan rehabilitation program to repay the
loans because if you don't, your credit rating will suffer and you can not get any
types of loans in the future.
I finished paying a small
student loan immediately after I graduated, and I don't have a mortgage, car payment, or any other
type of debt.
The Definite Guide To
Student Loan Forgiveness will go over each
type of forgiveness program and weigh your options for you, so you don't have to.
Neither
do certain
types of unsecured debt such as
student loans.
Here's a simple overview
of the different
types of student loan consolidation, how they differ from
student loan refinancing, and how to evaluate whether you should
do one
of these things.
The power
of this
type of flexible financing is that many
student loan borrowers can not afford to pay their
student loans because they
do not have access to affordable credit for the other areas
of their life.
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Even if you don't think you will qualify for aid, nearly everyone can qualify for at least some
type of federal
student loan.
SoFi's monthly savings methodology for
student loan refinancing excludes refinancings in which 1) members elect a SoFi
loan with a shorter term than their prior
student loan term (s) 2) the term length
of the SoFi member's prior
student loan (s) was shorter than 5 years or longer than 30 years 3) the SoFi member
did not provide correct or complete information regarding his or her outstanding balance,
loan type, APR, or current monthly payment.
SoFi's average savings methodology for
student loan refinancing excludes refinancings in which 1) members elect SoFi
loans with longer maturity than their existing
student loans, as these borrowers typically forfeit lifetime savings for lower monthly payments; 2) the term length
of the member's original
student loan (s) is greater is than 30 years; and 3) the member
did not provide correct or complete information regarding his or her outstanding balance,
loan type, APR, or current monthly payment.
What many
student don't realize is that there are federal
loans and other
types of financial aid that are not as well known.
If I were you, I'd be more focused on paying off credit card and auto
loan debt — these
types of debt impact your credit score and availability much more than
student loan debt
does.
You may not be approved for a private
student loan if you
do not have any
type of income.
If you don't know what
type of federal
student loans you have, check the National Student Loan Data
student loans you have, check the National
Student Loan Data
Student Loan Data System.
Section 523 (a)(8)
does not except from discharge a host
of other
types of traditional private, credit - based
loans couched as «
student loans» by for - profit lenders, including
loans for K - 12 programs,
loans made to
students at unaccredited trade schools,
loans made for alcohol and drug rehab, and
loans made in excess
of the «cost
of attendance.»
SoFi's average savings methodology for
student loan refinancing excludes refinancings in which 1) members elect SoFi
loans with longer maturity than their existing
student loans 2) the term length
of the member's original
student loan (s) is greater is than 30 years 3) the member
did not provide correct or complete information regarding his or her outstanding balance,
loan type, APR, or current monthly payment.
Also, this
type of loan is available to both undergraduate and graduate
students, and the
student does not need to demonstrate any financial need in order to qualify.