Student Loans

Student loans are money you borrow to pay for education—and unlike grants or scholarships, you have to pay them back. Understanding how they work matters because the terms, interest rates, and repayment rules vary widely depending on whether you're borrowing federal loans, private loans, or some combination. Many people carry student debt for years after graduation, so the choices you make early affect your finances long-term.

These guides explain how different loan types work, what happens after you graduate, and what options may be available if you're struggling with payments. You'll find information about federal and private loans, how interest accumulates, what income-based repayment looks like, and steps to take if you're managing multiple loans or considering consolidation.