Invest in Yourself, Not the Bank
Student loans can be a bridge to a better future or a shackle that holds you back for decades. It is a powerful tool, but if not handled with precision, the banks (and servicers) win while you pay thousands in unnecessary interest. Understand the terms, maximize federal aid, and borrow only what you absolutely need.
How to Get a Loan
Step-by-step guide to securing funding for your education, starting with the right sources.
Why FAFSA Is Important
The key to unlocking grants, work-study, and the safest loans available. Never skip this step.
Federal vs Private
Understand the critical differences in protections, interest rates, and repayment options.
Student Loan Calculator
Project your future payments and see how interest accrues while you are in school.
Key Student Loan Terms
Subsidized Loans
Federal loans where the government pays the interest while you are in school. These are the "gold standard" of loans.
Unsubsidized Loans
Federal loans where interest starts accruing the moment the money is disbursed, even while you are in class.
Grace Period
The time (usually 6 months) after graduation before you must start making payments. Note: Interest may still accrue during this time.
Loan Servicer
The private company that handles the billing for your federal loans. They work for the government, but they often make mistakes.
MPN (Master Promissory Note)
The legal document you sign promising to repay your loan and any accrued interest and fees.
Deferment / Forbearance
Temporary pauses on payments. Interest usually continues to grow, potentially increasing your balance significantly.