7 Strategies to Help You Get Out of Student Debt Faster

Written by adminJuly 6, 2018

On this site we’ve covered student debt and how much it can negatively impact your life.

Americans owe $1.48 trillion in student debt and it’s crippling a lot of people the moment they step out of college and university halls.

Yet, once students graduate, a lot of them continue to make bad financial decisions that leave them struggling in life outside of college.

Here’s the deal: there’s no reason why you should spiral out of control or feel shame that you have this debt. You have to be proactive and decide you’re going to get it taken care of quickly.

If that means moving back home as part of the process, then don’t be afraid to do it. Not everyone will settle into the career of their dreams immediately after graduation. In a lot of cases, if you have outstanding debt that defaults, you legally won’t be able to work in your chosen field, as the state will pull your license.

The overall problem with debt is even when you pay it off regularly, most of the payments you make go straight to interest. And you better believe the bank gave you an interest-heavy loan coming out of high school, with no income and a lack of work experience.

If you’re one of millions of graduates suffering with student debt you’re not sure how you will ever get paid off, here are 7 strategies that will help you:

1) Set an Aggressive Payoff Date

If you just stick to paying the minimum amount, you can spend the next 8-10 years paying off your debt, the majority of your payments going towards interest. That’s thousands of extra dollars you don’t need to be paying, and you won’t if you pay more than just the minimum each month.

Rather than sticking to the minimum, set a more aggressive payoff debt. It’s very possible to pay off your debt in 3-5 years instead of 8-10. Having a sooner date will keep you motivated!

2) Look into Refinancing

Your current rate doesn’t have to be the same rate you pay throughout the life of your loan. If you’re doing well after you graduate, you have a job, making decent money, and your credit score has improved, then you can refinance your loan and get a better rate. You can ultimately save thousands of dollars by refinancing.

3) Do Your Research

As discussed in the first strategy, a lot of your payment goes towards interest. Whatever you pay after that goes straight to the principal amount. It’s always a good idea to have a working understanding of how your loan operates, how much of your payment goes towards interest, and so on.

If you have more than one loan, you can decide to pay the smaller one off sooner (which can motivate you big time). What you decide is up to you, but you really can’t get into the game without knowing your numbers and having a good idea how it works.

4) Don’t Go the Forbearance Route!

It’s always tempting to want to push off making payments, but it’s not practical! You might be thinking you’re buying yourself some time, but the interest will still add up! You can add thousands of dollars’ worth of interest this way, only making the process take years longer. So, even when money is tight, pay your bill.

One of the first steps in achieving this freedom is asking for help. We are the experts in taking care of student debt problems, including refinance and debt consolidation. If you have any questions about your options, give us a call at the number below!

Call Now 844-851-8148

5) Look for Ways to Cut Your Spending

This part will suck, but remember, it’s only temporary! If you want to get rid of your loans sooner, cut back on spending. Can you forgo the vacation for the next couple of years and apply that money towards the loan instead? Maybe consider a cheaper car, cutting cable, and waiting to buy that house. Your #1 goal should be getting out from under this massive burden.

There are lots of things you can do to help make the process go faster:

-Get a roommate to help share the bills.

-Get a second job or even a side hustle.

-Give up the luxuries. If you don’t need that gym membership or the extra subscriptions, cut them!

-Move back home. If your parents are willing to help you out, take the time to settle in your new career while paying less bills, allowing you to pay off your debt sooner.

6) Keep Track of Your Payments

A great way to stay motivated is keeping track of your payments. With each payment you make, you can see your overall total going down, which is such a good feeling. You can use a spreadsheet or just record the numbers in a notebook. Either way, keeping track is effective!

7) Don’t Give Up!

I know it’s tough looking at that big number and staying motivated. It might make you want to push off paying it, or avoid is as much as possible. This is the worst thing you can do, as mentioned previously, the interest will still rack up. The only way to get rid of it is to pay it off. Declaring bankruptcy won’t touch your student loan.

It’s a lot of money, but you can do it! And if you’re proactive, you can do it in a few years. Even if money is tight, keep paying. Before you know it, you’ll have achieved financial freedom and can move on with your life.

Written by adminJuly 3, 2018

Student Loan Consolidation

Michael S. Shares His Story with Financial Helpers:

Like so many other bright-eyed American teenagers, I graduated high school full of hopes and dreams for the future.

I was told the same story repeatedly. “Mike, if you want to be something, then you need to get a degree.” So, that’s what I did. I packed my bags, kissed my mom on the cheek, and headed off to architecture school.

I had a passion for art and felt I was doing myself a favor by channeling my modest skill into a lifelong career. I knew I wasn’t going to be the next Picasso, so architecture might be the next best thing. It pays well and housing market was booming!

Well, things change. I graduated from Lawrence Tech in the height of the housing crisis. No one was building, which meant no one was hiring fresh-faced architects right out of college who didn’t have a speck of work experience.

They tell you how easy it will be to get a job after your graduate, but they only do that to get you in the door. I must admit, I was growing increasingly frustrated and even downright angry.

I worked SO hard for my degree, putting in long hours and promising myself that life would be great once I graduated, but those promises didn’t line up with reality.

I tried to do it on my own, but had to ask my parents if I could move back in. I got a job at a local sub shop because they were the only place looking for help. It was incredibly disheartening.

Here I am, like so many other graduates, with a bachelor’s degree in architecture, working in a sub shop for minimum wage, and that’s not the worst part.

At that time, I had over $100,000 worth of student debt, which meant that most of my paycheck went towards that. There’s no way I could afford to live on my own and pay this debt, so home is where I stayed.

Eventually, things did get a little better. I had some work experience under my belt, was promoted to manager, which bumped my pay. I then moved on to a decent factory job. It wasn’t architecture, but I felt I was moving closer to reaching my goals.

Still, the debt was killer. It hung over me like a black cloud and kept me from being able to make important life decisions. Should I buy that new car? Can I afford to move out of my parent’s place? If I met a girl, would she understand my situation?

One day, I was browsing the net and came across Financial Helpers. I read an article about refinancing your student loans to get a lower overall payment.

I was floored! This is something the lenders won’t tell you about because they want you to pay the loan in full. The problem is, lenders don’t tend to trust kids with no job and no work experience, so they’ll pump up the rates to the maximum level.

When you graduate and are doing fairly well, that can change the equation. You suddenly become more trustworthy and can negotiate a better deal. That better deal means you’ll end up paying LESS interest and lower payments over the lifetime of your loan.

Not only did I reduce my monthly payment by $80/month, I was able to save $30,000 and pay off my loans much quicker. This is exactly what I needed to get on with my life, move out of my parent’s home, and let them retire in peace.

$30,000 is a lot of money. It’s nearly a full year’s salary. I can’t tell you how thankful I am to Financial Helpers and their ability to help me solve my student debt crisis.

I’m now married and I own a home, but I can’t help but feel bad for the current and future generations of kids who are going to be put through the same ordeal I went through, except for them, it will continue to get worse.

College is becoming increasingly expensive and student loan debt is skyrocketing. No one should have to graduate college with that huge burden on their shoulders.

My advice to students out there: Keep your head up and do your best. There is help out there. Sites like Financial Helpers are there to provide you with options you didn’t know you had and can be lifesavers to everyday people like me.

Written by adminJuly 2, 2018

Student Loan Consolidation

In the waning days of President Obama’s administration, the Consumer Financial Protection Bureau began to take notice of Navient’s loan practices. Complaints were coming in from all corners of the country, eventually leading to the company getting sued.

As light began to shine upon their deception, which have cost their customers millions of dollars, whole states began to jump into the mix. Illinois, Pennsylvania, Washington, and now California joins in the suit against them.

As one of the largest loan collection agencies in the country, they are the one of the eight companies hired by the government to reclaim the over $1.4 trillion worth of debt owed. Navient services 12 million borrowers themselves.

Xavier Becerra, Attorney General of California, said he was going to push a lawsuit with the Superior Court to look at how Navient potentially misguided borrowers on how they should get their debts paid. Using deception, they were able to scam their customers out of millions all over the country.

“Navient’s loan servicing abuses have compounded the misery of parents and students who sacrificed to pay for college,” Mr. Becerra said in a statement that includes accusing Navient of breaking state laws that include false advertising and prohibiting competition.

Of course, Navient disputes the charges by calling them unfounded and vows to fight back. They feel that too many families get angry at the system and the banks who give student loans instead of the education system itself.

John F. Remondi, the chief executive at Navient, said, “this is another attempt to blame a single servicer for the failures of the higher education system and the federal student loan program to deliver desired outcomes.”

Despite their denial of having done anything wrong, this isn’t the first time Navient has been accused of defrauding borrowers and so far, it’s not looking too good for them going forward. Navient requested in Pennsylvania to have the federal consumer bureau’s lawsuit tossed out, but the judge denied the request.

Individual borrowers are seeking lawsuits as well. A case in Florida was ordered to move forward after the company sought to declare they are exempt from having a borrower sue them, which is a federal law.

This is an obvious nightmare situation for Navient, who is fighting tooth and nail to keep these cases from ever making it to court.

The moral of the story? Do your own research when it comes to your student loans. There are legitimate government programs out there designed to help you. The banks and loan companies aren’t looking out for your best interest and will find any opportunity to gouge you out of more money if you’re not careful.

Written by adminMay 9, 2018

Student Loan Consolidation

WASHINGTON, DC — Love him or hate him, President Trump just did something that former college graduates/alumni of all political backgrounds will thank him for. His proposal last Monday provided funding to forgive $7.7 Billion of Student Loan Debt to those who are struggling to pay off their debts.

Call To See If I Qualify

The Trump Administration recently made the statement:

“Our student loan system is clearly broken. Loan companies are using unethical tactics to get students to take out more and more loans. After they graduate, most aren’t able to find a job. Now these loan companies call and harass them everyday for payments they can’t afford. We’re changing that.”

The government would like as many people as possible to lower their student loan payments. There are many programs that can either forgive your student loan or dramatically lower your student loan payment down to $0.

Call 855-221-9282 to see if you qualify.

What You Can Do About It?

The time to act is now. This program may end any time without notice. If you or a loved one is struggling with crippling student loan debt it’s not your fault and you’re not alone.

Over 40 Million Americans are currently struggling with their student loans. You can get help simply call the number below to speak with a student loan forgiveness counselor. Every day you wait your student loan is getting bigger.

New Student Relief Helpline provides a
Free 2-min Eligibility Check

Click Here Now to Call
855-221-9282

Written by adminApril 20, 2018

Student Loan Consolidation

Ever since President Trump was elected and sworn in, he’s made it his mission to hack and slash federal spending. We’ve seen attempts to make critical cuts to important programs, like public television and Meals on Wheels.

Sadly, the proposed cuts don’t end there, and it’s bad news for millions of students trapped under a mountain of debt. The programs he really wants to cut into are the student aid programs passed through during the Obama administration.

Last year, Trump set out to cut as much as $4 billion from those programs, but in a compromise move by the president, those cuts have been put on hold. For now.

The 2019 budget has the same proposals they wanted pass in 2018.

The 2019 proposal includes:
-Cutting loan forgiveness programs for public servants.
-Move the current five income-driven repayment programs into one where the monthly payments are higher, but takes much less time to pay back.
-Graduate students would take longer to repay their loans under this plan.
-Stops paying the interest on loans taken out by low-income students.
-No more debt forgiveness for social workers and teachers after 10 years of repayment.

“At a time when millions of students are struggling under the crushing burden of student debt, it speaks volumes that President Trump and Secretary DeVos are proposing $200 billion in cuts to financial aid,” said Democratic Senator Patty Murray this week. “This is a complete 180 from the agreement Republicans and Democrats made last week.”

2018 Budget Keeps Funding in Place

As President Trump begrudgingly signed the spending bill into law to keep the government from shutting down, it protected a lot of the existing programs he wants to cut. Rather than cutting the work-study program, the White House proposed using $300 million of the extra bill money to go towards it.

They’ve also decided not to cut programs like Gear UP that is designed to help poor students starting in middle school get prepared for college. Instead, it combines Gear UP with TRIO into a $500 million grant given to the states to dole out to kids in need.

Also, Pell Grants are safe for the time being. Part of the 2018 proposals looked to take $1.6 billion from the program, but the current budget leaves it alone. Instead, the budget aims to prevent more money from being pumped into Pell Grants by keeping the numbers right where they are. That means no adjustment will take place to account for later inflation of tuition.

That’s not a good deal, according to Jessica Thompson. She’s the Policy and Research Director at the Institute for College Access and Success. She says the Pell Grant right now barely does a good enough job at keeping needy students afloat.

“They aren’t making any of the critical investments in Pell grants, which is a huge missed opportunity. The current max grant is covering the lowest share of college costs in over four decades,” she said.

While President Trump wants to make cuts to Pell Grants, he also desires to expand the program to cover different trades and short-term certificates/degrees. He hopes this will spur on employment growth in skilled labor markets, such as manufacturers and construction workers.

The overall goal of Trump and Education Secretary Betsy DeVos is to bring back the Higher Education Act, which includes a lot of these cuts to student aid. At least for the next year, students have an opportunity to take advantage of the current laws to get assistance in paying their debts down.

To learn more about reducing your debt and how we can help, please call (844) 899 7540 today. We’d love to hear from you before the laws change for good.

Written by adminFebruary 15, 2018

Student Loan Consolidation

Ever since President Trump took office back in 2016, his mission has been to cut the budget down as low as it can go. With that, we’ve seen a lot of (often beloved) programs face reductions or end up on the chopping block itself. We all remember the worry PBS had over losing federal funding, as well as crucial services like Meals on Wheels.

Now, it appears as if student loan programs are next.

According to President Trump’s proposal, he hopes to drastically reduce loan repayment plans for students who qualify based on their income, increase the government’s pressure on students not paying their loads, and cut the Public Service Loan Forgiveness Program altogether.

This is troublesome for the 5.7 million students who hoped to graduate with help from the government to pay off some of the loan debt that threatens to crush them without the programs. As college becomes increasingly expensive, students are looking for more options to help them enter the work force not burdened by tens of thousands of dollars’ worth of debt.

The new plan won’t just cut programs, but will also drastically reduce the number of repayment plans. Before, you could choose between 4 plans that considers your income, but the bill hopes to cut down the options to just one, capping the payments at 12.5 percent.

It’s Not All Bad News

There are aspects of the bill that are appealing, including the idea to expand Pell Grants to cover other training programs that tend to be short-term. These are the types of jobs that will always be in need, so the Trump Administration felt it was important to extend grant access to those students as well.

The plan will also offer loan forgiveness for undergraduate students in 15 years, verses the current plan that waits 20. Those five years can be a lifesaver for anyone still struggling almost two decades later. The higher-end degrees will have to wait 30 years for loan forgiveness to kick in for them.

While the plan wouldn’t kick into gear until July 1st, 2019, as of right now, it’s just a plan and will most likely undergo a transformation as it makes its way to lawmakers. Who knows what the final bill would look like, but it’s certainly worth paying attention to, especially if you were looking forward to receiving the help.

Written by adminApril 21, 2017

Student Loan Consolidation

*This is an Advertorial*

If you have student loans you have probably heard of what most experts are calling the “Student Loan Bailout“. Much like the mortgage bailout several years ago, millions of borrowers are having payments reduced and some even receiving refunds or forgiveness.

According to the Washington Post, the Obama administration announced a plan to forgive and additional $7.7 billion in federal student loans held by an estimated 387,000 Americans. This comes months after Sallie Mae, also known as Navient agreed to pay a combined $139 million and the U.S. Department of Education announced more than $480 million in forgiveness for other borrowers.

Borrowers are rushing to enroll in these programs before they change or possibly repealed under the new administration. Due to high demand the Student Relief Center has established a helpline at 1 (844) 899 7540 and provides a free eligibility check Mon- Fri.

Why is Student Loan Forgiveness Happening?

The amount of money owed by individuals continues to grow due to high compounding interest rates. This is making it even harder for many to overcome student loan debt. As a result, many Americans are finding themselves under a huge burden and cannot pay for some essentials including rent, their mortgage, car payments and even monthly food bills. The effects of overbearing student loans are also affecting the national economy and adding to the growing financial crisis in America.

The Obama Administration hopes Student Loan Forgiveness options will put more money in our pockets and stimulate the economy. Like the policy or not it may help millions of Americans get back on track. The problem is that these programs could change when he leaves office in January.

A Common Struggle

Jeremy, a Web Designer, explains his personal struggle with student loans. He received his associates degree for Web Design from Bryant and Stratton College in 2004. Borrowing $45,000 in federal and private loans, Cooper says he hasn’t been able to get a job in Web design because, “Everything that I had learned from my degree became obsolete even before I graduated because the technology moves so fast.” Since graduation, Cooper has fallen behind on his loan payments, and his debt has nearly doubled to $88,000. Despite working full-time day and part-time night jobs and scaling back his expenses to the bare minimum, Cooper says he does not see a way out of default.

How do you Get Help if you Have Student Loans?

If you find yourself burdened by the repayment of student loans, you are not alone. You are just one of the 40 million Americans who owed financial institutions more than $1.31 trillion at the end of 2014.

Despite this, there are several new programs aimed at reducing payments, forgiving, discharging or even cancelling student loans owed by millions of struggling Americans. Not everyone qualifies for these programs, but there are several options available for any type of situation. To know whether you are eligible for student loan forgiveness, consolidation or lower monthly repayments, call the Student Relief Helpline at 1-844-899-7540.

What is Student Loan Forgiveness?

“Loan forgiveness is the cancellation of all or some portion of your federal student loan balance. Yes, that’s right—cancellation of your loan balance. If your loan is forgiven, you are no longer required to repay that loan.”

Student Loan Borrowers may contact the Financial Helpers to get information on available programs in your area.

Financial Helpers
Phone: 1 (844) 899 7540
Monday – Friday | 9am to 6pm

THIS IS AN ADVERTISEMENT AND NOT AN ACTUAL NEWS ARTICLE, BLOG, OR CONSUMER PROTECTION UPDATE

This website / blog is not affiliated with the Department of Education, Navient, Sallie Mae or any other student loan servicer.

The information and notices contained on this website are intended as general research and information and are expressly not intended, and should not be regarded, as financial or legal advice. We attempt to ensure that the material contained on the web-site is accurate and complete at the date first published, however you should recognize that information contained on this web-site may become out of date over time.

By calling you will be connected to partners in our network. Each partner will provide a proposal for services & may charge a fee for their service. Consumers may perform these services for themselves, many or all of which may be without charge. Our partners do not guarantee that your student loan payments or amount owed will be reduced. Obtaining lower payments or loan forgiveness is based on several factors including approval from the Department of Education.

Written by adminFebruary 1, 2017

Student Loan Consolidation

On Tuesday, President Trump announced that he was going to continue the program former President Obama began 4 years ago. The plan to forgive $7.7 billion in federal student loans held by an estimated 387,000 Americans. Call 1-855-885-1609 to see if you qualify.

Trump recently made the statement

“Although President Obama and myself don’t see eye-to-eye on everything, we do agree on the fact that the Education system has failed our students. We have just reopened official federal phone lines and operators are standing by to help students erase their Student Debt.”.

This is extremely fortunate, but luckily there is still time to consolidate your loans, or in many cases get your loans completely forgiven.
Call 1-855-885-1609 to see if you qualify.

This is a big deal. Because there are millions of Americans that are struggling with student loan debt. You may also if you’re struggling with a financial hardship.

How Does it Work?

I stay up crying every night thinking about how I’m going to provide a better future for my child.

“When I first signed up for college I didn’t think anything about taking out student loans. They told me they were ‘grants.’ After I graduated I haven’t been able to find a job. Now the loan companies call and harass me every day for their payments I can’t afford. Call 1-855-885-1609 to see if you qualify.

The worst part is my parents co-signed my loan and now they’re getting harassed and are worried about their retirement. I feel like I ruined their life and my life as well. I can’t buy a car, buy a house or save for my future. I stay up crying every night thinking about how I’m going to provide a better future for my child. I thought I was going to live the American dream this is an absolute nightmare.”

What You Can Do About It

The time to act is now. This program may end any time without notice. If you or a loved one is struggling with crippling student loan debt it’s not your fault and you’re not alone. Call 1-855-885-1609 to see if you qualify.

—– Disclaimer —– THIS IS AN ADVERTORIAL AND NOT AN ACTUAL NEWS ARTICLE, BLOG, OR CONSUMER PROTECTION UPDATE

*We are dedicated to bringing readers valuable information which can help them accomplish their financial and lifestyle goals. Our disclaimer is that this site does receive compensation for product reviews and referrals or purchases made through our links. This page is an advertisement/advertorial. The story depicted here is for demonstration purposes only and everyone’s results may vary. We hope you find our online resource informative and helpful.

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Written by adminJanuary 4, 2017

Student Loan Consolidation

Graduating from college should be a monumentous occasion; a launch into advanced careers and higher salaries. Today, more than 25% of students who graduate, do so with far too much debt, affecting their post-graduate career, often saddling them with inordinate amounts of pressure and anxiety instead of focusing on their lives.

However, this is manageable, and the key is to act as soon as you can to stop interest from accumulating, and to mitigate the effects the debt has in your everyday life. This “cycle of debt” can be beaten- you may qualify for a loan forgiveness program!

In short, after a set amount of time and if you meet a few requirements, the United States governement has legislation in place to help absolve the debt accumulated by the graduates of America’s esteemed universities.

There are two requirements before applying for student debt relief;

Have a debt of at least $10,000.00 in student debt.
You must have finished school or are not attending school at the time of the call.

With those qualifications met, you can call us at 1-855-534-4290 to get additional information, get questions answered or find out if you qualify. An expert will be more than happy to address your needs and discuss your situation in less than 60 seconds.

There is no time like the present, so call now and get the debt out of your life as soon as possible!

SEE IF YOU QUALIFY NOW »

Written by adminJanuary 4, 2017

Student Loan Consolidation

Student loan debt is a big worry for many people like yourself. While college is a great tool, it is expensive and loans eventually must be repaid. Looming debt can keep you from purchasing a home, starting a family or following your dreams. However, there are options to help alleviate the stress that these loans cause while still allowing you to work towards the ultimate goal of paying the balance off entirely. Discover the benefits of student loan consolidation, and find out if it could be the right solution for you.

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Simplify Your Payments

If you attended school for more than a semester or two, it is likely that you wound up working with more than one lender to pay for all of your classes. While it was likely a necessary evil to make sure your education was paid for, it has left you with numerous bills each month. Student loan consolidation means that you will have only one payment to one lender-reducing the payment hassle.

May Lower Your Monthly Payment

In many cases, a consolidated student loan can reduce the total amount that you will be responsible for each month. With everything else you need to do, and want to do, lowering this payment is an excellent way to free up money in your budget.

Repayment Based on Income

Borrowers who choose student debt consolidation have multiple plans for repayment available to them. These plans include repayment options based on income. If you initially obtained a loan before attending school, you had no idea what to expect regarding your future (post-school) income. Now, you know what you are earning. Your consolidated loan will better fit your budget.

No Minimum or Maximum

When you look at some lending options, you may find that maximums or minimums prevent you from taking advantage. Since this is a debt consolidation or restructuring, rather than a new loan, there is no maximum or minimum to worry about in this case.

Many People Qualify

Qualifying for student loan consolidation is easier than you may think. Borrowers must have one or more “Direct Loan” or Federal Family Education Loan”. This loan must be in the grace period or repayment status. Additionally, borrowers can consolidate most defaulted federal student loans.

The Options are Endless

Consolidating your loan can keep you out of default, make payment simpler and help keep your monthly payments at a reasonable level. But it’s important to realize that your options are endless. In many cases, you will be able to change your repayment plan at a later date if your economic situation changes or if you wind up with another loan that qualifies for consolidation.

As you can see, there are many benefits to student loan consolidation and more options than ever for doing so. If you are struggling with your loans and wonder if there is a better way, perhaps consolidation is the answer. Spend some time researching the consolidation options and reach out to an expert to learn more.

SEE IF YOU QUALIFY NOW »

Student Loan Consolidation

What You Can Do About It?

Why is Student Loan Forgiveness Happening?

A Common Struggle

How do you Get Help if you Have Student Loans?

What is Student Loan Forgiveness?

Student Loan Borrowers may contact the Financial Helpers to get information on available programs in your area.

Financial Helpers Phone: 1 (844) 899 7540 Monday – Friday | 9am to 6pm

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