5 Things You Need To Know About Private Student Loans

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One of the largest tasks to tackle when sending a child to college is figuring out how you’re going to pay for it. First, you fill out your FAFSA to determine potential financial aid from the government, then you fill out grant and scholarship applications until your fingers are sore, while at the same time going over and over your budget figuring out how much you can contribute out of pocket. When the dust settles, you may end up having to apply for private student loans. This is unfamiliar territory for many people who might wonder how private student loans […] Read more »

What Types Of Student Loans Are Available?

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There’s much to do to get my son ready for college, including the all important question of how to pay for his education. We will be paying for as much as we can out of our pocket while attends college, but there will be some amount of student loans that will need to be taken out. As we’ve navigated the financial aid process, we’ve learned quite a bit about what kind of student loans are available. Free Application for Federal Student Aid (FAFSA) The first step in the college financial aid process is to fill out the Free Application for […] Read more »

Surprise, High School Freshman – Real Life Starts NOW!

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Last week we took my son to his incoming freshman high school schedule pickup and orientation. I repeated something that I said to him last spring when we were having some difficulties making him put forth the required effort on his school work. “This year you start high school. This shit’s for real. It counts forever.” I then went on to try to explain the chain of events that starts with day one of his freshman year. Hard work, good grades, and school involvement will dictate what college opportunities will eventually open up in front of him in a few […] Read more »

Dealing With Student Loan Debt

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  If you have student loans from attending college (Let’s hope you don’t) and you’re a recent graduate, you might be a little concerned about how you’re going to get that student loan debt paid back. As college tuitions have risen over the years and starting salaries have remained flat or even gone down, it has become much more difficult for many people to meet those huge student loan obligations and get them paid off in a timely manner. Total student loan debt is now over $1 Trillion and even exceeds total credit card debt according to Allie Johnson at […] Read more »

Watch College Conspiracy (The Documentary Colleges Don’t Want You to See)

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I've always thought college tuition was out of control so when I sat down to watch this documentary I didn't think I would be surprised by the statements made but I was wrong. Being that a college education is considered "good debt" I thought it would be a good idea to share this video with all of you. It's only an hour long but very eye-opening if you have bought into the lie that it's a good idea to go into debt for a college education. Who's responsible for most of the problems with education inflation? Read more »

Debt – [det] A Financial Storm Cloud

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Student Loans Often Overstay Their Welcome Just as many of you, we used student loans.  We had about four total.  We currently have one left and that makes us VERY happy!  We used every last dollar we could squeeze out of our budget, to pay on our debt snowball in March.  We were very blessed and were able to pay off $1,325 which actually paid off one completely.  (See our updated DEBT FREE progress chart.)  I was looking at our current updated balance when I noticed something very amusing.  The scheduled pay off date was not until 10/21/18!!!! 10 YEARS […] Read more »