Student Loans 101

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Student Loans 101 For some students, college means freedom. For others it means fun. But for most it means responsibility. Responsibilities include many things, but most importantly bills. For struggling college students, student loans are the way to go. Finding out which loan works best for you may take some time, but it is better than your other options such as credit cards or a bank loans. For most students, credit cards seem like the best solution to their tuition woes. "I'll pay it off little by little, no problem," said Brooke Johnson who has accumulated three credit cards just to pay her way through undergraduate school. "My advice to my students is to cut up their credit cards and cancel their accounts," said Peter Rosko, a retired professor who taught finance courses in the University's Carlson School of Management. "I despise credit card people. They make it easy to get the card, but students run up a lot of debt." The average credit card balance among undergraduates was $,7. Twenty-one percent of undergraduates also had credit cards with high-level balances between $,000 and $7,000. Overall, students double their average credit card debt from the time they arrive on campus as a freshman until they graduate. When are students going to wake up and smell the financial aid office?Student loans are another means of paying their tuition bill. When I went to the financial aid office the lady behind the desk informed me of my student loan options. She explained the types of loans to me, and how to get them. It was then I found the answer to every college student's question, a subsidized Stafford loan. A subsidized Stafford loan is a loan in which the government pays all the interest on your loan while you are in school. Also, you will not be required to start making interest or principal payments until six months after you graduate. This does not only mean undergraduate graduation but from graduate school as well. As a college student this loan not only allows the student to save money to pay off the loan, but it allows the student to use the money they have now for things they need such as gas or money for a car payment.

Credit card payments are also another reason student loans are a better option. The student must pay minimum payments each month. Student loans on the other hand have many methods of repayment. One is not to think repayment is an option, you must repay the loan. But, the student may tailor a plan specific to their conditions, such as projected income and time needed for complete payment. Also, for those students who do not acquire a job in the six months after graduation, they may request more time.There is more good news for future borrowers; interest rates on federal student loans dropped nearly a full percentage. No more paying 8.% on that credit card. The drop has saved students hundreds of dollars in the long run. Can you ever say your credit card has saved you money? Though there are many helping hands for the broke college student, they are hard to decipher. Credit cards seem to be an easy escape, but one wrong move can get you trapped in debt. There are always student loans. But to find the right loan you must to do the appropriate research. This could mean in the financial aid office, online, or even at your local bank. Do the right thing and get a student loan. Please note that this sample paper on Student Loans 101 is for your review only. In order to eliminate any of the plagiarism issues, it is highly recommended that you do not use it for you own writing purposes. In case you experience difficulties with writing a well structured and accurately composed paper on Student Loans 101, we are here to assist you. Your cheap custom college paper on Student Loans 101 will be written from scratch, so you do not have to worry about its originality.

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