student loans

Which Repayment Period Is Best For Me?

By College Raptor StaffLast updated on March 25, 2025

Choosing a student loan is complex at best. Every decision you make, from the loan amount to apply for to the repayment terms, will ultimately impact the amount of debt you have to repay after you graduate. Deciding on the right repayment period is one of the many factors that you need to take into …

student loans

Student Loans: 3 Things To Consider Beyond Just Interest Rates

By College Raptor StaffLast updated on March 6, 2025

Interest rates are the first criteria many students use when choosing a student loan and that’s understandable. The rate of interest your loan attracts plays a key role in determining how much your loan will ultimately cost you by the time you finish paying off the principle and the accrued interest. However, the interest rate …

student loans

What It Means To “Borrow Only What You Need” For Student Loans

By College Raptor StaffLast updated on March 12, 2025

Your application for a student loan starts with you filling up the FAFSA. The information that you submit through the FAFSA is then used to put together a customized loan package for you. Sometimes, your loan package includes a much higher amount than you actually need. Take Only What You Need While you can take …

student loans

How to Lower Your Potential for Student Loan Debt

By Devin MorrisseyLast updated on March 24, 2025

Considering college? Wondering how you’re going to pay for it? Those student loans might look appealing, especially if you won’t see a bill until after graduation … Stop right there. Don’t sign up for a single loan just yet. First, consider the options we’re going to lay out in this article. According to Maryville University, …

student loans

FAQs About Student Loans

By College Raptor StaffLast updated on March 25, 2025

Student loans are a big part of paying for college for many students, and with such importance comes a lot of questions. Here are some FAQs about student loans. Should I apply for scholarships, loans, or grants first? The best strategy is to first apply to all grant and scholarship opportunities that you are eligible …

student loans

What to Expect From Student Loans: Choice, Interest, and Repayment

By Megan ShehanLast updated on March 25, 2025

A college education opens the door to many opportunities. However, those opportunities come at a price. Receiving a higher level of education is one of the best decisions you can make in life, but if you don’t have enough funding for it, going to college can almost seem impossible. That’s where student loans come in. …

student loans

How To Pick The Student Loan Repayment Plan That’s Right For You

By College Raptor StaffLast updated on February 25, 2025

When you take out student loans, they come with specified loan repayment terms. Federal student loans come with a standard 10-year repayment term. The repayment terms on private student loans may vary depending on the lender. The good news is you’re not stuck with these terms for the life of the loan.  Repayment options for …

student loans

Understand How Student Loan Deferment Works

By College Raptor StaffLast updated on February 27, 2025

If you are struggling to make your monthly student loan payments due to financial hardship, a medical emergency, or some other life circumstances, you may be qualify to apply for a student loan deferment. Student loan deferment allows you to suspend all loan payments temporarily for a period of time, so you can use your …

student loans

Common Reasons For Student Loan Default And How You Can Avoid It

By College Raptor StaffLast updated on March 6, 2025

If you are struggling to make your monthly loan payments, you are not alone. Various reports indicate that the number of students struggling with student loan debt is increasing every year. Every student may have a different reason as to why they default on their loans. The reasons don’t matter, though. Regardless of why you …

student loans

4 Things You Must Understand About Student Loan Debt

By College Raptor StaffLast updated on March 25, 2025

Taking student loans is often the only way that most students can fund their higher education. It has in fact become so commonplace that students don’t think twice about taking on huge loans just so they can attend the most prestigious college on their shortlist. Unfortunately, some student loan applicants mistakenly presume that once they …