student loans

What To Do If You’re Denied For Student Loans

By College Raptor StaffLast updated on February 26, 2025

Getting denied for student loans can be disappointing, but it doesn’t have to stop you from affording your college education. In fact, there are multiple ways you can work around being denied a student loan and still cover your college costs! Find a Cosigner Before you get started, the first thing you should do is …

student loans

The Difference Between Certified and Uncertified Private Student Loans

By Allison WignallLast updated on April 9, 2025

During your student loan research, you might’ve come across the terms certified and uncertified private loans. But what exactly do those mean? And is it bad to look at uncertified loans? Certified Private Loans Nowadays, most lenders offer certified private loans. This means that the college and lender will communicate with each other about your …

student loans

How To Get A Private Student Loan

By College Raptor StaffLast updated on March 6, 2025

Though private student loans are considered a last resort, since they are more expensive than federal student loans, it is good to know you have this option if your financial aid package not enough to cover all your college expenses. Here’s how to get a private student loan: Start By Doing Exhaustive Research On Private …

student loans

How to Determine Your “First Year Salary” For Student Loans

By Hilary CairnsLast updated on March 24, 2025

You may have already heard that it’s a smart idea to keep your student loan debt under your first year’s salary after you graduate. This tactic can help you save money and pay off your debt in a shorter time frame. However, you’re not a psychic and most likely no one in your family is …

student loans

Qualifying For Student Loan Refinancing

By College Raptor StaffLast updated on December 22, 2022

Many people turn to student loan refinancing to lower their loan interest rates. However, student borrowers do not get automatically approved for refinancing. Student loan refinancing is only offered by private lenders and they require borrowers to meet certain requirements in order to qualify for refi. Although lenders vary in their specific criteria for approving …

student loans

How to Prepare for Student Loans Over This Summer

By Hilary CairnsLast updated on March 25, 2025

You should definitely be enjoying your summer before you head off to college, but there are a few things you’ll need to take care of. Between the vacations and college orientation, you’ll want to remember to think about your student loans. Here’s how you can prepare: Keep All Documents Together You’ve likely received a lot …

student loans

Why Students Should Take Charge of Their Student Loan Process

By College Raptor StaffLast updated on March 24, 2025

When reaching the topic of finances, many students find it easy to assume that their parents will mainly be funding their education. However, students taking financial responsibility is vital to becoming an independent adult. In the case of loans, taking on student loans is a huge responsibility. Major decisions wait to be made at every …

student loans

How Federal Consolidation Differs From Private Loan Consolidation

By College Raptor StaffLast updated on December 22, 2022

Consolidating your loans is one of the best alternatives if you are looking for a way to simplify your monthly student loan payments and make them more manageable. When you consolidate your loans, you only have to keep track of one payment to be made on one date every month. You can consolidate federal student …

student loans

Questions to Ask Yourself Before Selecting a Student Loan Repayment Plan

By Allison WignallLast updated on December 22, 2022

Now that you’ve graduated from college, it’s time to start repaying your student loans. There are quite a few federal student loan repayment options out there, so which do you pick? Which one will work best for you? You probably have a number of questions, but here are some questions to ask yourself. Remember, take …

student loans

What You Need To Know About The Standard Repayment Plan

By College Raptor StaffLast updated on March 24, 2025

If you do not choose a specific repayment plan when you take a federal student loan, the Standard Repayment Plan is considered as your default choice. Details of the Standard Plan With a Standard Repayment Plan, you pay off your loans within 10 years. Under the terms of this plan, your entire loan (principal plus …