Navigating Student Loan Repayment

student loans

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Getting ready to handle your student loans? It’s a big step in managing your finances after college. Knowing your options and having a solid plan can help you stay within your budget.

How you choose to pay back your loans affects how quickly you can get rid of them. For example, the Public Service Loan Forgiveness (PSLF) Waiver has helped thousands by forgiving $53.5 billion in loans1.

For smart money management, look into available programs and payment tricks. The Biden Administration is offering a one-time student debt relief. It could give up to $20,000 to 43 million borrowers1.

This guide will walk you through managing your student loans. We’ll make sure you know about all your options. And help you create a plan that’s right for your money goals.

Key Takeaways

  • Understanding repayment options is crucial for effective finance management.
  • Over 750,000 educators have benefited from significant student loan forgiveness1.
  • The Biden Administration’s relief program can provide up to $20,000 in debt relief to eligible borrowers1.
  • Making informed decisions and strategic payments can expedite your loan repayment journey.
  • Explore various tools and tips to manage your student loans efficiently.

Navigate your student debt here

Understanding the Basics of Student Loan Repayment

Student loan repayment can be tricky, but with the right info, you can find your way. It’s important to know the different types of student loans and what loan servicers do. This knowledge will help you on your journey to be debt-free.

Types of Student Loans

Think about two kinds of student loans: federal and private. The government gives out federal loans. They offer many ways to pay back your loan, like plans that change with your income link. Private loans come from banks or credit unions. Their terms and interest rates can vary a lot. Picking the best loan type means considering your money situation and how you plan to pay back the loan.

Loan Servicers

After getting a loan, you deal with loan servicers, such as EdFinancial and MOHELA. They help manage your loan, take payments, and set up how you pay back. It’s key to make sure your contact details are up to date. This helps keep things smooth. You can switch your payment plan any time you need2. And if you’re having a tough time, you can often pause your payments for a bit with deferment or forbearance2.

With federal loans, there are cases when you might not have to pay them back. This could be if you work in public service or are permanently disabled. Still, you need to keep paying until you find out if you qualify2.

Consolidating your loans means making one payment a month instead of several. This can make it easier to manage. But, it doesn’t reduce your interest rate. It’s based on the average of your loans’ rates2. Even so, it can help you avoid tough situations like losing your tax refund2.

If you want to dive deeper into paying back your loans, check out Federal Student Aid’s repayment toolkit. It’s full of good tips and info.

Choosing the Right Repayment Plan

Deciding on a student loan repayment plan is key. It can save you money on interest and keep you financially strong. First, we’ll look at the traditional Standard Repayment Plan. Then, we’ll discuss specialized Income-Driven Repayment Plans.

Standard Repayment Plan

The Standard Repayment Plan is great for paying off loans fast. It lasts 10 years, costing you less in interest over time3. But, you must pay back the full loan within a decade4. Its higher monthly payments suit those with a steady job or who want to be debt-free quickly. It’s like taking the fast lane to being free of student debt!

Income-Driven Repayment Plans

Income-Driven Repayment (IDR) plans, in comparison, are more flexible. They change your payments based on your income. You can pay for 20 or 25 years, depending on the plan3. The really neat part? Your payments could be just 10-20% of the money you have left after essential costs4. It can really ease the stress on your wallet.

Some IDR plans you might consider are:

  • Pay As You Earn (PAYE): Limits payments to 10% of the extra money you earn.
  • Income-Based Repayment (IBR): Usually means paying 10-15% of your leftover income.
  • Income-Contingent Repayment (ICR): Payments are 20% of the money you have after necessary expenses, or a fixed amount if you adjust it according to your income over 12 years.

The Education Department also offers the SAVE Plan. It aims to reduce payments by at least 50% and sometimes cancels debt after 10 years3. This is perfect for those feeling the pinch but looking for long-term forgiveness.

Each repayment plan has its own benefits. It depends on your financial status and what you want for the future. By looking closely at your options, you can choose a plan that best fits your needs and dreams.

Income-Driven Repayment Plans Explained


Income-Driven Repayment (IDR) Plans aim to ease student loan repayment. They set monthly payments based on the money you have left after essentials. This makes them a good choice for many. The plans include PAYE, IBR, and ICR. Each has its own benefits and rules.

With the PAYE Plan, you pay about 10% of what’s left after essentials. This is often less than what the Standard Plan asks for5. The IBR Plan normally asks for 15%. But, it could be 10% for those just starting out5. These tweaks help keep payments low.

Now, the ICR Plan might set your payment at 20%. Or it could be less, based on a 12-year plan5. This setup lets you pay back what you owe in a way that suits your wallet best.

In August 2023, the Biden administration rolled out the SAVE Plan to make college debt easier to handle. Under it, undergrads may pay just 5% of what’s left after essentials6. About 1 million students might end up with $0 to pay monthly thanks to SAVE65.

Plus, those with small debts may not have to pay back all they owe, and some might get help with interest costs. This makes getting out of debt simpler for many657.

Now, comparing the PAYE, IBR, and ICR plans shows differences in what you might pay and get forgiven. Each is suited for different needs and situations6.

By knowing about and picking the right IDR Plan, you can make your loan repayment more budget-friendly. This choice helps ensure your financial health. It’s a smart way to handle your student loans.

Public Service Loan Forgiveness Program

The Public Service Loan Forgiveness (PSLF) program can change the game for those in public roles. It forgives loans under specific conditions. Let’s see how it helps and what you need for loan forgiveness.

Eligibility Requirements

You’re eligible if you work full-time for specific employers. This includes government agencies and non-profit organizations. What’s key is who your employer is, not your job’s title8. You also need to make 120 qualifying repayments on time. Recent changes allow for late or partial payments to count9.

This program is great for those in public service for over a decade. That includes government workers, teachers, and military servicemembers9. By early October 2023, over 715,000 have gotten their debt forgiven8.

Application Process

To get started, check if your employer qualifies using the PSLF Help Tool. Fill and submit forms online, they’ve made it easier8. Also, don’t miss out on deadlines, like the one on October 31, 20229.

They detailed how to apply for roles like teachers or first responders on the Department of Education’s website. This includes FAQs for a clear path through the process9.

The program can help with almost $70,000 in loan forgiveness on average. Millions have benefited. Even without all 120 payments, considering the temporary changes is wise9.

Teacher Loan Forgiveness

The Teacher Loan Forgiveness (TLF) program helps teachers lower their debt. It forgives up to $17,500 in loans for special education or math/science teachers at certain schools10. And other teachers might get up to $5,000 for their service11.

Program Details

For special education teachers, forgiveness can be up to $17,50010. Teachers of math and science in high school also qualify for this amount11. Teachers in different subjects, who started before October 30, 2004, may be forgiven up to $5,000 too11.

The program not only helps teachers financially but also keeps them working in poorer schools. It encourages committed teachers to stay in these communities.

How to Apply

To apply, work for five years at an eligible school. Then, complete the Teacher Loan Forgiveness Application carefully. Make sure to get school officials to sign off on your teaching and subject area11.

After your loan servicer checks your application, you might get approved. If this happens, your loan amount could go down by thousands of dollars11.

Teachers should use the Loan Simulator tool to compare loan forgiveness options. This helps with understanding the benefits of different programs10.

What to Do When Payments Resume

Welcome to the world where you need to manage your student loans. The forbearance period is over. So, millions are back checking their bills and planning how to pay.

Updating Contact Information

Start by updating your info with your loan servicer. Since the Department of Education gave a 12-month grace period, it’s key to keep in touch12. A missed message might mean missing news or chances to tweak your plan.

loan payment resumption

Budgeting for Payments

Now, focus on budgeting. In June 2023, many had student loan debt totaling $1.64 trillion, roughly $38,000 per person13. With payments restarting in October, factor this into your monthly expenses14. Planning your budget well can make handling your statements easier and avoid surprises.

Starting September 1st, loans will start to gain interest again. Those who start paying early could benefit1214. Try setting up auto payments for a small interest rate cut12.

Strategies for Paying Off Student Loans Quickly

Speeding up how you pay your student loans can save lots of money and bring peace. By using certain strategies, like big payments and the student loan interest tax deduction, you can lower your total debt faster. This helps you hit the road to financial freedom quickly.

Making Larger Payments

One top strategy is to put more money toward your loans. By targeting the principal with extra payments, your debt decreases faster. For example, adding $100 to a $10,000 loan each month could clear your debt years before. This method cuts not only the total amount you owe but also the interest you pay.

This approach can speed up how fast you pay off your loan, saving you from extra interest15. Make sure the money you pay extra goes to the principal. This helps you benefit more from your efforts.

Using the Student Loan Interest Tax Deduction

Using the student loan interest tax deduction is another wise move. It cuts your taxable income by the interest you pay on loans. You can then subtract up to $2,500 from your federal taxes. This helps lessen the burden of student loan payments each year.

By combining these methods, you’ll see a big change in your financial situation. Making big payments on the principal and using tax help can help you pay off your loans swiftly and effectively.

Managing Loan Payments During Financial Hardships

Dealing with financial hardship while paying off student loans can be hard. Yet, knowing about deferment and forbearance can make it easier. These options let you take a break or lower your payments if you can’t pay them in full.

  1. Deferment: With deferment, you can stop paying your loan for a while. Plus, on certain federal loans, you won’t build up more interest16.
  2. Forbearance: If not deferment, forbearance pauses or lowers your payments for up to a year. But, all types of loans will keep gathering interest16. The special three-year forbearance and no interest, which began in 2020, have now ended17.

Deciding between deferment and forbearance depends on your loans. If you pick deferment, you could stop the loan’s interest from growing. This helps not to owe as much in the end16.

If none of these choices work, try to avoid being late on your payments. This can really hurt your credit. It’s smart to have an emergency fund. Or, better yet, set money aside for a few months of loan payments in case you need it16.

For federal loans, there’s also an income-based plan. It looks at what you earn and sets your payment accordingly. Sometimes, you might not have to pay if you’re not earning. This way, you stay out of trouble and keep your finances in check during the tough times.

Option Advantages Disadvantages
Deferment No interest accrual on subsidized loans Not available for all loan types
Forbearance Available for all loan types Interest continues to accrue
Income-Based Repayment Payments can be as low as $0 May extend the loan term
Emergency Fund Provides a financial safety net Requires saving beforehand

The Fresh Start Program

The Fresh Start Program aims to aid borrowers with student loans in default. It helps them get their loans back on track.

Eligibility

If your loans were in default before March 13, 2020, you have a chance to fix that. Thanks to the Fresh Start Initiative, you can change your loan status from “default” to “current”18. This opportunity is open to about 7.5 million borrowers with federal student loans in default19. You have until September 30, 2024, to act, which is one year after the pandemic payment pause ends18.

Benefits and How to Apply

Signing up for Fresh Start comes with many benefits. These include moving your loans to Nelnet, picking income-driven repayment plans, and regaining federal aid eligibility. You also get a chance to join loan forgiveness programs. There’s even short-term relief available18. To start, reach out to your loan servicer. They will guide you on what information to provide18.

A key benefit is that after seven years, your loan defaults won’t show up on your credit report. This happens because the Department of Education will remove that information after seven years18. Notably, about 80% of those in Fresh Start go for an Income-Driven Repayment (IDR) plan. Half of them pay $0 each month. Also, 60% of those on IDR plans pay less than $50 a month19.

If you don’t join Fresh Start and your loans stay in default, you might face wage garnishment. The government could also take your tax refunds or Social Security benefits. Your loans could be labeled as “in collections.” Plus, you might lose your chance for federal aid18. Since around 25% of those in default have outdated contact info, it’s vital to keep yours current19.

Remember, you can apply for Fresh Start anytime until the deadline18. Don’t wait too long! By taking advantage of Fresh Start, you can enjoy forgiveness benefits. This opportunity can make your journey to paying off student loans much easier.

Feature Before Fresh Start After Fresh Start
Loan Status Default Current
Credit Reporting Negative Positive
Monthly Payments High As low as $0
ElEligibility for Federal Aid Lost Regained
Income-Driven Repayment Plan Unavailable Available

Benefits of Setting Up Auto Pay

Setting up auto pay for your student loans has big advantages. It can help you save on interest and make paying back easier.

Saving on Interest

The main benefit is the reduced interest rate. Federal loans and private lenders often give a 0.25% discount if you use auto pay20. By choosing auto-debit, you get a direct 0.25 percentage point drop in your interest rate, leading to cost savings over time21. For example, someone with an average loan of $28,950 could save about $423 over 10 years thanks to this rate cut21.

If you have bigger loans, like a $71,000 debt, the savings get even higher with auto pay21. Plus, you can invest the money you save to boost your savings even more. For instance, saving $42 extra a year from auto pay could increase a Roth IRA to $1,512 in ten years with a 7% return21.

How to Enroll

Enrolling in auto pay is easy and straightforward. You can do it through your loan servicer’s website. Just enter your bank details to start the automatic deductions.

However, be careful. Make sure your bank account always has enough money to avoid overdraft fees, which banks often charge at $3020. Also, keeping your account updated can prevent late payment fees, typically about $25, depending on the lender20. This process helps not only with saving on interest but also with managing your money better.

Tips for New Graduates Managing Student Loans

The step from college to the working world can feel overwhelming. This is particularly true when we talk about student loans. But don’t be worried! There are some great tips to make this process easier for you.

Creating a Post-Graduation Budget

First, make a budget. With an average debt of $36,900 and a $433 monthly payment22, good budgeting is key. It will help you spend money on what’s important and cut out stuff you don’t need.

Putting any extra money towards your debt is a big plus. Bigger payments can lower your debt faster. Also, some jobs offer help in paying back loans. Ask your HR team about this.

Understanding Grace Periods

Knowing about your grace period is very important. It’s a time when you don’t have to make payments right after graduation. Use this time to save and plan your spending well.

Starting retirement savings early is also very smart. A 22-year-old putting away $5,000 yearly could have double the savings at 67 compared to starting at 3222. Focus on more than just loan payments for your future financial health.

If you just graduated, taking these steps early will put you in a good position. For additional finance tips, keep up-to-date and manage your loans smartly.

The Importance of Staying Organized

In handling student loan debt, staying organized is crucial. A well-thought-out system using various tips can make debt management smooth. College students, 20-year-olds, and acknowledged experts all say being organized is vital for success, be it in academics, finances, or work23.

Create a bill-paying plan that fits you to dodge late fees and boost your credit score24. You could choose from a simple paper calendar to the latest planner apps or virtual calendars23. Online payments and auto reminders also help cut costs by avoiding late payment charges24.

The module on the importance of staying organized in student loan repayment takes about 30 minutes to complete24.

organization tips

Keep a financial notebook to log your money in, out, and around. This gives you a clear view of your spending and earnings24. Another good way to handle your money is with an envelope system. This method allocates cash for different spending types, making it clear where your money goes24.

Set cash aside monthly for unexpected bills to ease the payment stress. Also, say no to pre-approved credit offers to cut down on unwanted mail. This move keeps your home paperwork-free and your mind clear24.

Organizational Tools Benefits
Planner Apps Improved scheduling, better time management
Virtual Calendars Syncing events, reminders for payment due dates
Financial Notebooks Tracking income and expenses, enhanced financial insight
Online Payment Systems Reduced late fees, automatic bill pay
Organization Systems Customizable, aligns with personal lifestyle

Remember, there isn’t just one way to organize your bills24. It’s about finding what works best for you. By combining smart repayment plans with top-notch organizational skills, you can speed up your debt freedom. Plus, you’ll stay financially stable.

Exploring Additional Repayment Assistance Programs

Today’s job market is fierce. Many companies stand out by helping their workers pay off student loans. Giants like Google and Carhartt lead the way. They offer help with student loan repayments. This aid makes the climb up the work ladder easier.

Employer Repayment Benefits

Google and others are making sure their teams are not weighed down by student loans. They offer up to $2,500 each year to help with repayments. Carhartt is also lending a hand, showing they care about their employees. This support isn’t just about money. It makes work more satisfying and keeps people around longer.

State-Based Forgiveness Programs

States are also in on the action, offering their own programs to forgive loans. For example, Mississippi helps teachers with the Winter-Reed program. It gives up to $6,000 per year for three years. By doing this, the state helps its teachers worry less about money and focus on educating. There are more programs too, for nurses and public servants, like the NURSE Corps program and Public Service Forgiveness. They offer big help with student debt2526.

FAQ

What are the main types of student loans?

Student loans have two main types: federal and private. The government backs federal loans. They usually have lower interest rates and more payment options. Private loans come from banks or other lenders. They often have higher interest rates and stricter rules.

Who are loan servicers, and why are they important?

Loan servicers, such as EdFinancial and MOHELA, help manage your loan. They handle payments and send you important updates. It’s vital to keep your contact info up-to-date with them.

What is the Standard Repayment Plan?

The Standard Repayment Plan is the default for federal loans. You make fixed payments for 10 years. Monthly payments are usually more, but you pay less interest overall.

How do Income-Driven Repayment Plans work?

Income-Driven Repayment Plans adjust payments to your income. They consider how many are in your family. With some, like PAYE, IBR, and ICR, your payment could even be What are the main types of student loans?Student loans have two main types: federal and private. The government backs federal loans. They usually have lower interest rates and more payment options. Private loans come from banks or other lenders. They often have higher interest rates and stricter rules.Who are loan servicers, and why are they important?Loan servicers, such as EdFinancial and MOHELA, help manage your loan. They handle payments and send you important updates. It’s vital to keep your contact info up-to-date with them.What is the Standard Repayment Plan?The Standard Repayment Plan is the default for federal loans. You make fixed payments for 10 years. Monthly payments are usually more, but you pay less interest overall.How do Income-Driven Repayment Plans work?Income-Driven Repayment Plans adjust payments to your income. They consider how many are in your family. With some, like PAYE, IBR, and ICR, your payment could even be

FAQ

What are the main types of student loans?

Student loans have two main types: federal and private. The government backs federal loans. They usually have lower interest rates and more payment options. Private loans come from banks or other lenders. They often have higher interest rates and stricter rules.

Who are loan servicers, and why are they important?

Loan servicers, such as EdFinancial and MOHELA, help manage your loan. They handle payments and send you important updates. It’s vital to keep your contact info up-to-date with them.

What is the Standard Repayment Plan?

The Standard Repayment Plan is the default for federal loans. You make fixed payments for 10 years. Monthly payments are usually more, but you pay less interest overall.

How do Income-Driven Repayment Plans work?

Income-Driven Repayment Plans adjust payments to your income. They consider how many are in your family. With some, like PAYE, IBR, and ICR, your payment could even be

FAQ

What are the main types of student loans?

Student loans have two main types: federal and private. The government backs federal loans. They usually have lower interest rates and more payment options. Private loans come from banks or other lenders. They often have higher interest rates and stricter rules.

Who are loan servicers, and why are they important?

Loan servicers, such as EdFinancial and MOHELA, help manage your loan. They handle payments and send you important updates. It’s vital to keep your contact info up-to-date with them.

What is the Standard Repayment Plan?

The Standard Repayment Plan is the default for federal loans. You make fixed payments for 10 years. Monthly payments are usually more, but you pay less interest overall.

How do Income-Driven Repayment Plans work?

Income-Driven Repayment Plans adjust payments to your income. They consider how many are in your family. With some, like PAYE, IBR, and ICR, your payment could even be $0. The new SAVE Plan is especially helpful.

How can I qualify for the Public Service Loan Forgiveness (PSLF) Program?

To get PSLF, you must work full-time for a public service job. You need to make 120 qualifying payments while on an approved plan. It has helped a lot of teachers and public workers.

What is the Teacher Loan Forgiveness program?

This program gives up to $17,500 forgiveness on Direct Loans. You need to teach full-time for five years at a low-income school.

How should I prepare for the resumption of loan payments?

For restarting payments, update your info with your servicer. Make a budget that includes your loan payments. Auto pay can make things easier.

What strategies can help me pay off my student loans quickly?

Pay more than the minimum to reduce the principal. Use tax deductions on student loan interest to save. Apply these savings to your loans.

What options do I have if I’m struggling to make loan payments?

If you’re struggling, you might qualify for deferment or forbearance. But remember, interest could still build up. Stay active to avoid bad loan statuses.

What is the Fresh Start Program?

The Fresh Start Program aids those in default. It helps remove the default status, stop wage garnishment, and regain federal aid eligibility.

What are the benefits of setting up auto pay?

Auto pay can lower your interest rate and ensure on-time payments. It’s an easy way to manage your student loans effectively.

What tips can help new graduates manage student loans effectively?

First, make a budget that includes loan payments. Know your grace period. It’s usually six months after graduation. Use this time to plan how you’ll repay your loans.

Why is staying organized important for student loan management?

Staying organized is key. It helps you understand your options, budget better, and make smart choices. Being organized can make paying off your loans quicker and easier.

What additional repayment assistance programs are available?

Some companies help with loan payments, like Google and Carhartt. Also, check for state programs that offer loan forgiveness. They can provide extra support.

. The new SAVE Plan is especially helpful.How can I qualify for the Public Service Loan Forgiveness (PSLF) Program?To get PSLF, you must work full-time for a public service job. You need to make 120 qualifying payments while on an approved plan. It has helped a lot of teachers and public workers.What is the Teacher Loan Forgiveness program?This program gives up to ,500 forgiveness on Direct Loans. You need to teach full-time for five years at a low-income school.How should I prepare for the resumption of loan payments?For restarting payments, update your info with your servicer. Make a budget that includes your loan payments. Auto pay can make things easier.What strategies can help me pay off my student loans quickly?Pay more than the minimum to reduce the principal. Use tax deductions on student loan interest to save. Apply these savings to your loans.What options do I have if I’m struggling to make loan payments?If you’re struggling, you might qualify for deferment or forbearance. But remember, interest could still build up. Stay active to avoid bad loan statuses.What is the Fresh Start Program?The Fresh Start Program aids those in default. It helps remove the default status, stop wage garnishment, and regain federal aid eligibility.What are the benefits of setting up auto pay?Auto pay can lower your interest rate and ensure on-time payments. It’s an easy way to manage your student loans effectively.What tips can help new graduates manage student loans effectively?First, make a budget that includes loan payments. Know your grace period. It’s usually six months after graduation. Use this time to plan how you’ll repay your loans.Why is staying organized important for student loan management?Staying organized is key. It helps you understand your options, budget better, and make smart choices. Being organized can make paying off your loans quicker and easier.What additional repayment assistance programs are available?Some companies help with loan payments, like Google and Carhartt. Also, check for state programs that offer loan forgiveness. They can provide extra support.

. The new SAVE Plan is especially helpful.

How can I qualify for the Public Service Loan Forgiveness (PSLF) Program?

To get PSLF, you must work full-time for a public service job. You need to make 120 qualifying payments while on an approved plan. It has helped a lot of teachers and public workers.

What is the Teacher Loan Forgiveness program?

This program gives up to ,500 forgiveness on Direct Loans. You need to teach full-time for five years at a low-income school.

How should I prepare for the resumption of loan payments?

For restarting payments, update your info with your servicer. Make a budget that includes your loan payments. Auto pay can make things easier.

What strategies can help me pay off my student loans quickly?

Pay more than the minimum to reduce the principal. Use tax deductions on student loan interest to save. Apply these savings to your loans.

What options do I have if I’m struggling to make loan payments?

If you’re struggling, you might qualify for deferment or forbearance. But remember, interest could still build up. Stay active to avoid bad loan statuses.

What is the Fresh Start Program?

The Fresh Start Program aids those in default. It helps remove the default status, stop wage garnishment, and regain federal aid eligibility.

What are the benefits of setting up auto pay?

Auto pay can lower your interest rate and ensure on-time payments. It’s an easy way to manage your student loans effectively.

What tips can help new graduates manage student loans effectively?

First, make a budget that includes loan payments. Know your grace period. It’s usually six months after graduation. Use this time to plan how you’ll repay your loans.

Why is staying organized important for student loan management?

Staying organized is key. It helps you understand your options, budget better, and make smart choices. Being organized can make paying off your loans quicker and easier.

What additional repayment assistance programs are available?

Some companies help with loan payments, like Google and Carhartt. Also, check for state programs that offer loan forgiveness. They can provide extra support.

Source Links

  1. https://www.nea.org/your-rights-workplace/student-debt-support/navigate-your-student-debt
  2. https://financialaidtoolkit.ed.gov/tk/learn/repayment.jsp
  3. https://www.nerdwallet.com/article/loans/student-loans/student-loan-repayment-plans
  4. https://students-residents.aamc.org/financial-aid-resources/selecting-your-repayment-plan-two-steps
  5. https://studentaid.gov/articles/faqs-idr-plan/
  6. https://www.investopedia.com/income-driven-repayment-plans-7562851
  7. https://www.nerdwallet.com/article/loans/student-loans/the-new-idr-plan
  8. https://studentaid.gov/articles/from-fsa-chief-pslf/
  9. https://www.whitehouse.gov/publicserviceloanforgiveness/
  10. https://studentaid.gov/articles/teacher-loan-forgiveness-options/
  11. https://studentaid.gov/sites/default/files/TeacherLoanForgiveness-en-us.pdf
  12. https://www.pewtrusts.org/en/research-and-analysis/articles/2023/11/06/as-federal-student-loan-payments-resume-heres-what-borrowers-need-to-know
  13. https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/resumption-federal-student-loan-payments
  14. https://www.nerdwallet.com/article/loans/student-loans/federal-student-loan-forbearance-extended-yet-again
  15. https://www.consumerfinance.gov/paying-for-college/repay-student-debt/student-loan-debt-tips/
  16. https://www.citizensbank.com/learning/manage-student-loans-economic-downturn.aspx
  17. https://www.investopedia.com/articles/personal-finance/082115/10-tips-managing-your-student-loan-debt.asp
  18. https://www.nslp.org/freshstart/
  19. https://www.nerdwallet.com/article/loans/student-loans/fresh-start-what-student-loan-borrowers-in-default-need-to-know
  20. https://www.forbes.com/advisor/student-loans/student-loan-autopay/
  21. https://www.nerdwallet.com/article/loans/student-loans/auto-pay-student-loans
  22. https://www.cnbc.com/select/personal-finance-tips-for-new-graduates/
  23. https://www.iontuition.com/advice-from-a-college-student-the-importance-of-staying-organized/
  24. https://fyi.extension.wisc.edu/moneymatters/staying-organized/
  25. https://studentaid.gov/articles/student-loan-forgiveness/
  26. https://www.nerdwallet.com/article/loans/student-loans/student-loan-forgiveness

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