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Navigating Car Loans for Students

As a student, you may want to buy a car for a variety of reasons — commuting to campus, getting to work and your ability to drive home for the holidays can all play a role in your decision. Car loans for students typically have a similar process as any other car loan but may feature some additional caveats. Let's find out more about how you might navigate a car loan as a student. Understanding how auto loans work and the costs associated with borrowing can go a long way toward your decision to apply for a car loan, especially if this is your ...

How to Get Out of Student Loan Default

Your wages could be garnished, even without a court order ; You could lose out on a tax refund or Social Security checks (those funds would get applied toward your defaulted student loan) ; Your credit score could be impacted after credit reporting agencies are notified of the default ; Could lead to a loss of some of the benefits that come with federal student loans, such as the ability to access deferment or forbearance

Do You Need Good Credit for Student Loans?

Quick insights ; If you’re considering your the next step in your education but aren’t sure if your bad or poor credit may impact your journey, there is a light at the end of the tunnel. In short, yes—you can get student loans with bad or poor credit, sometimes even with no credit. Become an authorized user on a credit card in good standing. Perhaps on a credit card account of an established user, like a parent or family member. Sometimes you can get your own card in order to establish your credit behavior ...

What are the Benefits of Federal Student Loans?

The U.S. Department of Education offers students several different federal student loan options to help pay for college, which are made available to eligible students based on the information they supply on the Free Application for Federal Student Aid (FAFSA® ). These loans are designed specifically for students and can come with numerous advantages over private student loans, including potentially easier accessibility, set interest rates, and flexible repayment options. Let’s dive into some general benefits of federal student loans. ...

Can Grad Students Get Direct Subsidized Loans?

What makes these loans unique is that the U.S. Department of Education pays the interest on the loan while you’re in school at least half-time and for the first six months after you leave school. They’ll also pay the interest on the loan if you go into deferment on the loan. Are grad students eligible for Direct Subsidized Loans? ; As covered above, no, grad students aren’t eligible for these loans provided by the U.S. Department of Education. While these loans aren’t available to grad students, other loan options may be available. What ...

APR vs. Interest Rate On Car Loans

When you’re getting ready to purchase a vehicle, arranging financing in advance can save you a lot of hassle. But auto loans come with some technical jargon that could easily leave any car buyer befuddled. The difference between the Annual Percentage Rate (APR) and interest rate is one such common confusion. Signing on the dotted line without understanding these could drag you into financial trouble when it’s time for repayment. So, is APR the same as the interest rate on a car loan? This is a common question when shopping for auto financin ...

How Long Does It Take to Get a Student Loan?

Once the ED processes your FAFSA , you can login to StudentAid.gov to review your FAFSA . This summary will include your provided answers to the questions on the form, your SAI calculation, and your Federal Pell Grant eligibility. It’s important that you review your FAFSA® Submission Summary when it’s available to ensure all of your information is complete and accurate.

How To Get A College Loan With Bad Credit

So, you need funds to help pay for college, but unfortunately, you have bad credit (or no credit). Don’t worry, you’re probably not out of options to help pay for college. As a refresher, a credit score is a numerical assessment of a borrower’s creditworthiness, falling within a range of 300 to 850. A higher score indicates to lenders that a person has greater financial reliability and trustworthiness. Keep reading as we delve into the options you may want to consider if you have a less-than-stellar credit score or no credit score and nee ...

How Student Loans Can Affect Your Credit Score

Prepping for higher education may have you wondering how student loans may affect your credit score. The short answer is that student loans, much like any other type of loan, can impact your credit score depending on how you repay them. Knowing where your credit stands as you go through the student loan process can be helpful for staying on track and potentially even improving your credit score. Let's investigate how student loans work and ways you can manage them on the path to improving your credit. ...

How to Apply for Student Loan Deferment or Forbearance

Are you considering submitting a request for either student loan deferment or forbearance? These options can allow you to temporarily postpone making student loan payments or temporarily make smaller payments. Importantly, these arrangements can help you avoid defaulting on your student loans when you’re unable to make your required payments. In this article, we’ll cover what to expect from student loan deferment or forbearance when it comes to federal student loans. Private student loans may have options to postpone payments, but the rules ...

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