College Raptor Staff

Applying to college can be challenging, and so we at College Raptor feel it's our duty to make that process as easy, smooth, and rewarding as possible. We work hard to clarify dense material, dispel myths, uncover information, and help you learn what you need to know!
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student loans

What Is Student Loan Delinquency?

By College Raptor StaffLast updated on March 12, 2025
A student loan delinquency occurs as soon as you miss a payment on your student loan. Delinquency on federal student loans are reported to credit bureaus after 90 days of non-payment. Delinquency on private student loans are reported to credit bureaus after 30 days on non-payment. Being delinquent refers to a situation in which a …
financial aid

How To Appeal An Offer Letter for More Financial Aid

By College Raptor StaffLast updated on March 25, 2024
Your financial aid letters aren’t (always) written in stone. There may actually be some flexibility in the money a school grants you. It may only take a phone call to get a higher financial aid package, or it might require a longer appeals process. If your financial aid is less than you thought it would …
Consolidating your student loans has pros and cons
student loans

The Pros And Cons Of Consolidating Student Loans

By College Raptor StaffLast updated on February 25, 2025
College may be over and done with (or nearing it), but your student loan balance is far from. Graduation day, in fact, marks the beginning of our real journey towards financial freedom, and it all starts with paying off your debt. It can be bewildering at first as you try to figure out how to …
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student loans

Pros And Cons Of Student Loan Forgiveness Programs

By College Raptor StaffLast updated on March 3, 2025
Student loan forgiveness programs are introduced by the federal government and only apply to federal student loans. These programs are one of many benefits associated with federal student loans. These programs help you to clear your debt completely and save thousands of dollars in interest. However, it’s not that simple or straightforward. No lender, not …
Is it possible to defer your student loans?
questions & answers

Can I Defer My Student Loans?

By College Raptor StaffLast updated on December 22, 2022
When you take a student loan, you will be given a loan repayment schedule that states how and when you will have to pay back the loan and interest. Most lenders do include a grace period after graduation to give you some time to get a job and get on your feet before you have …
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student loans

3 Important Things to Consider for Deferment or Forbearance

By College Raptor StaffLast updated on December 22, 2022
Although deferment or forbearance can be real lifelines when you are in a financial crunch with absolutely no way to make your payments, they can create even more financial problems for you if you make a rash decision. Things to Consider with Deferment or Forbearance Before you consider deferment or forbearance options, here are a few …

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