Is There A Bright Side To Student Loans?

The thought of graduating with a mountain of debt can be more than daunting. It can be frightening. Is it really worth taking all those loans just to get a college education? Is there a bright side to student loans that makes it worth it?

The truth is, there are benefits to taking student loans, or else why would thousands of students across the country keep taking them every year? Here are a few compelling reasons why student loans is worth it.

You Get A College Education

You cannot undermine the importance of getting a college education. A college education boosts your employability and your earning potential by a highly significant amount.


Credibe company logo.

Compare rate offers from about 8 lenders

Variable APR from 0.99% - 11.99% with auto-debit

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Your Debt Is Temporary

College graduates find it easier to get jobs and they also start off with higher salaries. These two factors themselves will help you pay back your loans quickly. It may take a few years but after that your higher income is yours to enjoy any way you want.

You Can Build Good Credit History

Being diligent about your loan payments can help you raise your credit score and build good credit history paving the way for future loan opportunities with lower interest rates. This is better than having no credit history.

Use College Raptor’s new Student Loan Finder to discover personalized loan options. Compare lenders and interest rates to find the ideal student loan—for FREE!


Lender Rates (APR) Eligibility
Sallie Mae logo.
1.13% - 11.23% Variable
3.50%- 12.60% Fixed
Undergraduate and Graduate
Credibe company logo.
0.99% - 11.99% Variable
2.94% - 12.99% Fixed
Undergraduate and Graduate
Lendkey company logo.
1.13% - 11.23% Variable
3.50% - 12.60% Fixed
Undergraduate and Graduate
Ascent company logo.
1.51% - 9.09% Variable
3.24% - 11.33% Fixed
Undergraduate and Graduate
College Ave company logo.
0.99% - 11.98% Variable
2.94% - 12.99% Fixed
Undergraduate and Graduate
2.93% - 5.67% Variable
4.35% - 7.15% Fixed
Undergraduate and Graduate
Earnest company logo.
0.99% - 11.44% Variable
2.94% - 12.78% Fixed
Undergraduate and Graduate
1.20% - 11.52% Variable
3.20% - 11.99% Fixed
Undergraduate and Graduate
College Raptor is not a loan lender and does not assume responsibility for suggesting a loan to a user who may not be eligible for it. Rates, terms, conditions, eligibility, approval, and other considerations are the decisions of the lenders and may vary depending on which lender or marketplace the user selects. We urge users to carefully consider and review all loan options and terms before committing to taking out a loan.

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