STUDENT LOANS

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HAVING TROUBLE PAYING YOUR STUDENT LOANS?

Check out what we have in store for you, to help you pay off your student loans. We know how tough it is to break free from the chains of debt. That’s why The Credit Guy is committed to help you break free from your debt of student loans. 

FEDERAL STUDENT LOAN CONSOLIDATION

This option is available only for federal student loans. The government combines your separate loans into a direct consolidation loan, and it assigns you a 10- to 30-year repayment term based on your total balance. Your interest rate is a weighted average of your previous rates, so it’s not determined by your financial history.

INCOME DRIVEN PLAN

If you’re having trouble affording your student loan bill, consider repaying your loans on an income-driven plan. That means your payments will be tied to your earnings and your loan balance will be forgiven after 20 or 25 years. Only federal direct loans qualify, so consolidating certain other types of loans into a direct consolidation loan will let you repay them on one of these plans.

DIRECT LOAN PROGRAM

Direct Loans are low-interest loans for students and parents to help pay for the cost of a student’s education after high school. The lender is the U.S. Department of Education (the Department), though most of the contact will be with your loan servicer.

LOAN FORGIVENESS

f you are employed in certain public service jobs and have made 120 payments on your Direct Loans(after Oct. 1, 2007), the remaining balance that you owe may be forgiven. Only payments made under certain repayment plans may be counted toward the required 120 payments..

WHAT IS LOAN CONSOLIDATION?

Consolidation Loans combine several student or parent loans into one bigger loan from a single lender, which is then used to pay off the balances on the other loans. They also provide an opportunity for alternative repayment plans, making monthly payments more manageable.

PUBLIC SERVICE JOBS

Jobs with federal, state, local or tribal government organizations, public child or family service agencies, 501(c)(3) non-profit organizations, or tribal colleges or universities should be considered “public service jobs.” Government employers include the military and public schools and colleges. These jobs help you pay off your student loans.

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