Student Loans Articles

Student Loans

Total student loan debt in the US is more than $1.58 trillion. Learn more how student loans work, how to apply for student loans and how to pay off student loans

Income Contingent Repayment

Income Contingent Repayment | You can lower your monthly student loan payment, even to $0, if you qualify for the Income Contingent Repayment plan. First, ...

Student Loan Forbearance

Student Loan Forbearance & Deferment | Learn the two main options you have to suspend student loan payments. Also, learn your options to cut payments...

Stop Garnishment on Student Loans

Student Loan Garnishment | Learn your options to stop garnishments resulting from a student loan default. Your options are limited, but it is important that...

Federal Student Loan Servicers

Eleven companies service federal student loans for the Dept. of Education. Contact information for Perkins, Direct Loans, and FFEL loans. A loan servicer...

Private Student Loan Forgiveness

There are calls to wipe out some private student loan debt. But enacting principal forgiveness in private student loans...

Federal Student Loan Interest Rate Hike

Federal Student Loan Interest Rate Hike | Without congressional action the interest rate on Stafford Subsidized Loans will increase starting on ...

Private Loan Consolidation

Private Loan Consolidation | Deal with your private student loans through a private loan consolidation. You can simplify your payments or gain other...

CFPB | Learning about Student Loans

The CFPB and Student Loans | The Consumer Financial Protection Bureau is helping educate the public about student loans. That includes a prototype form for...

Private Student Loan Settlement

Your bank showing willingness to negotiate a settlement on your private student loan is a positive step. You have many peers who...

Tax Credits & Student Loans

Learn the 5 qualifications for a student loan tax deduction. You can deduct up to $2,500 in interest paid from your AGI.

Cosigning a student loan

Cosigning a student loan | Learn about the advantages and disadvantages of cosigning a private student loan. Review important tips to so you get the best...

Parent Plus Consolidation

Parent Plus Loan Consolidation | Learn all about deferment, forbearance, consolidation, and 3 repayment plans for Parent Plus Direct Loans.

Parent Plus Student Loan

Direct Parent Plus Student Loan | How to qualify for this federal student loan program that is designed for parents of students.

Student Loan Payment

Student Loan Payment Options | You have two paths to follow if you cannot afford your student loan payments. The first is...

Sallie Mae Forbearance

Sallie Mae Forbearance | Learn how to get a deferment or forbearance for your private or federal student loan.

Student Loan in Default

Student Loan Default | Step to take if you cannot pay your federal student loan. How to apply for a deferment or forbearance...

Default on Federal Student Loan

Student Loan Default | What to do if you cannot pay your federal student loan. How to apply for a deferment or forbearance...

Private Student Loan

Getting a private student loan | Learn about the important features of private student loans and how to choose the right private student loan. Make sure you ...

Private Student Loan & SOL

Default on Private Student Loans | Unlike federally insured loans, your state's statute of limitations for taking legal action to collect on private student...

Statute of Limitations for Student Loans

Student Loan Statutes of Limitations | Federal student loans now have no statute of limitations, but programs exist so you can stop paying after...

Getting a Federal Student Loan

Getting a federal student loan | Learn about the different types of federal aid and federal student loans, including information about interest rates,

Student Loan Forgiveness

Student Loan Forgiveness | You can discharge any remaining student loan debt after 10 years of full-time public service employment. Make sure that you know...

Student Loan Information

Dependent undergraduate students can borrow up to $5,500 in Stafford Loans in their first year of study, and up to $6,500 in their second year...

Stafford Loan Consolidation

Consolidating Stafford Student Loans | Learn the steps that will help you simplify your life by consolidating your Federal Stafford Loan payments and...

Obama Student Loan

Obama Student Loan | Obama's new student loan repayment plan allows student loan borrowers to combine private and federal student loans. Make sure you know ...

Student Loan Defaults in California

California Student Loan | Student loans are considered community debt in California, except when a couple decides to divorce. Creditors can pursue both spouses

Student Loan Debt Help

Student Loan Debt | Learn your six options for repaying a federal student loan, and options for private loans...

Repaying Student Loans

Repaying Student Loans | Learn your options for repaying your student loans, whether you have federal student loans or private student loans. Start by...

Student Loan & Deceased Borrower

The Dept. of Education cancels federal student loan debt when the borrower dies. Private student loans, however, follow state probate rules...

WyoTech Private Student Loan

WyoTech Private Student Loan | If you default on a private loan, the creditor or collection agency must sue you in civil court. If a judgment is won...

Sallie Mae Debt-to-Income Ratio

Debt-to-Income ratio (DTI) is a comparison of your monthly gross income and your monthly repayment obligations to creditors.

Sallie Mae Cosigner

Sallie Mae Cosigner | As a cosigner, you are 100% responsible for the debt. It's hard to negotiate settlements for student loan debts, but it is easier to if...

401k to Pay Student Loan

Taking a 401(k) distribution my result in lower interest costs, but will almost certainly result in the increased monthly...

NJCLASS Loan Forgiveness

The New Jersey Higher Education Student Assistance Authority offers NJCLASS student loan cancellation in limited circumstances, including...

Student Loan Disability

If you are disabled and have a federal student loan, the Dept. of Education may cancel the balance of your loan. However, you must apply to have your loan cance

Federal Student Loan Garnishment

Federal Student Loan Garnishment | Default on your federal student loan can lead to wage garnishment and seizure of your tax refund. Make sure that you...

Student Loan & Credit Report

The best way for a person to wash a delinquent student loan from their credit report is to become current on payments.

Student Loan Consolidation

Student Loan Consolidation | All the information you need to get started consolidating your federal or private student loans...

Default on Private Student Loan

Private Student Loan Default | Private student loans are similar to unsecured debts, if you do not make repayments on the loan, the creditor/collection agency h

Student Loans on Credit Report

Student Loans on Credit Report | Learn how student loan defaults are reported on credit reports. Federal student loans follow different rules...

Credit Rating and Student Loans

Learn the significance of your credit rating when applying for student loans. Bills.com has the resources to help you save big on your student loans.

529 College Savings

Looking to save for your student's college education? Let Bills.com get you the advice you need on PLUS Loans, 529 College Savings plans, and all the advice yo

College Debt Consolidation

Seeking college debt consolidation help? Let Bills.com find the best way to save on your college student debts.

Sallie Mae Loans

Sallie Mae Loans? Want to save on your Sallie Mae student loan or signature loan? Bills.com has the advice you need to save fast.

Student loans and home loans

Discover if it's possible to get a home loan with existing student loans. Find your answer on the Bills.com Blog.