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Knowing how to apply for grants

Whether you are applying for grants or loans, you will need to fill out the FAFSA form. This form must be completed each year for the next upcoming academic year. You can complete the form anywhere between October and June before the next annual funding cycle. It is pertinent that you do your best to be completely honest on your FAFSA form as this will determine how much money you qualify for in grants and loans. If you have had a job, you will need to upload your tax return to the FAFSA system. If you don't have a job and you are currently living with your parents, you will need to upload their tax information.

There are changes coming in the near future

As of now, you cannot be charged more than 10 percent of income when making monthly minimum payments to pay back your student loans. In the near future, though, this percentage is expected to increase by 2.5 percent. This is why it is so important to borrow as little as possible and to pay it back as quickly as possible. Not only will paying it back as quickly as possible help you get out of debt faster, but it will also reduce the overall total amount of interest that you have to pay back on your loans. Guide to Student Loans" ["post_title"]=> string(38) "A Brief Guide To College Financial Aid" ["post_excerpt"]=> string(0) "" ["post_status"]=> string(7) "publish" ["comment_status"]=> string(4) "open" ["ping_status"]=> string(4) "open" ["post_password"]=> string(0) "" ["post_name"]=> string(27) "college-financial-aid-guide" ["to_ping"]=> string(0) "" ["pinged"]=> string(0) "" ["post_modified"]=> string(19) "2017-10-23 17:16:37" ["post_modified_gmt"]=> string(19) "2017-10-23 17:16:37" ["post_content_filtered"]=> string(0) "" ["post_parent"]=> int(0) ["guid"]=> string(35) "http://studentloanreport.org/?p=354" ["menu_order"]=> int(1) ["post_type"]=> string(4) "post" ["post_mime_type"]=> string(0) "" ["comment_count"]=> string(1) "0" ["filter"]=> string(3) "raw" } [1]=> object(WP_Post)#614 (24) { ["ID"]=> int(350) ["post_author"]=> string(1) "2" ["post_date"]=> string(19) "2017-10-09 16:32:06" ["post_date_gmt"]=> string(19) "2017-10-09 16:32:06" ["post_content"]=> string(2243) "If you make the smart decision to go to college, it is paramount that you choose a career path before you get into your graduate studies. Sure, undergraduate classes can be used to earn just about any type of degree, but you want to make sure your graduate studies are leading you down a preferred occupational path. Your studies are going to cost a lot of money, making it all the more important to be smart with the money you borrow. Let's take a look at common career paths, how long they take to enter into, and the average starting pay:

2-Year Degrees

4-Year Degrees

As you can see from the lists above, some 4-year degrees are simply not worth the time and money they take to earn. Take for example the time it takes to become an information systems manager. You are going to spend about four years earning your degree and spend twice the money it takes to earn a degree to become a radiology tech. Still yet, though, the average entry-level pay for both of these careers is about the same. With of the above said in mind, you should always ask yourself the following questions to help ensure you are earning a degree that is worth the money and time invested: Student Loan vs Entry level Pay r1_170906" ["post_title"]=> string(49) "Was It Worth It: Student Loan Vs. Entry Level Pay" ["post_excerpt"]=> string(0) "" ["post_status"]=> string(7) "publish" ["comment_status"]=> string(4) "open" ["ping_status"]=> string(4) "open" ["post_password"]=> string(0) "" ["post_name"]=> string(28) "student-loan-entry-level-pay" ["to_ping"]=> string(0) "" ["pinged"]=> string(0) "" ["post_modified"]=> string(19) "2017-10-09 16:32:06" ["post_modified_gmt"]=> string(19) "2017-10-09 16:32:06" ["post_content_filtered"]=> string(0) "" ["post_parent"]=> int(0) ["guid"]=> string(35) "http://studentloanreport.org/?p=350" ["menu_order"]=> int(2) ["post_type"]=> string(4) "post" ["post_mime_type"]=> string(0) "" ["comment_count"]=> string(1) "0" ["filter"]=> string(3) "raw" } [2]=> object(WP_Post)#612 (24) { ["ID"]=> int(343) ["post_author"]=> string(1) "2" ["post_date"]=> string(19) "2017-09-20 10:45:24" ["post_date_gmt"]=> string(19) "2017-09-20 10:45:24" ["post_content"]=> string(4624) "When it comes to education, a lot of people believe the grass is always greener on the other side, with the other side being the United States. What they fail to realize, though, is that there are many disadvantages to education in the United States. From high tuition costs to an insurmountable of student loans, the United States is a leader in educational debt. When students go to school in the United States, they can expect to pay about $8,700 a year for their tuition when attending a public, 4-year university. If they are attending a private, 4- year university, tuition costs often exceed more than $32,000 a year. That's a lot of money! And in the United States, tuition has increased by an astonishing 63 percent during the decade of 2006 to 2016. It's looking like Switzerland and Norway are the places to go! As far as education and average income, Switzerland and Norway definitely have their advantages. Both have an average annual per capita income of more than $80,000, and best of all, their tuition costs per year are less than $5,000 a year. Other countries that have developed an advantageous education rate and per capita income include Australia and Denmark. You think it's bad now? The United States currently has more than $1.31 trillion in student loan debt. And if you think that is bad now, wait until 10 years from now. Tuition costs are on the rise, meaning student loan debt is going to increase as well. There are more than 44 million people in the United States who currently have student debt, with the average debt per student who graduated in 2016 is near $40,000. Some students owe more than $200,000 and more than 8 million owe close to $50,000. When compared to other countries, the United States definitely has a disadvantage. In the UK, students have an average student debt of $30,800. Students graduating in Canada have an average student debt of $20,000, and in Germany, the average debt is only $2,400. As you can see, students in the United States are graduating with far more student debt than any other country in the world. If you are wanting to save on tuition costs, you very well may want to consider going to a school outside of the United States. And you can rest assured there are many higher-education universities all across the globe that provide an excellent education at affordable tuition costs. Even better is that when studying abroad you can still apply for U.S. aid programs. It's time to experience a new culture! It's time to get your education at an affordable cost by studying abroad. Cost of college around the world
" ["post_title"]=> string(50) "The Cost of College Around The World [Infographic]" ["post_excerpt"]=> string(0) "" ["post_status"]=> string(7) "publish" ["comment_status"]=> string(4) "open" ["ping_status"]=> string(4) "open" ["post_password"]=> string(0) "" ["post_name"]=> string(41) "college-cost-around-the-world-infographic" ["to_ping"]=> string(0) "" ["pinged"]=> string(0) "" ["post_modified"]=> string(19) "2017-11-14 20:01:57" ["post_modified_gmt"]=> string(19) "2017-11-14 20:01:57" ["post_content_filtered"]=> string(0) "" ["post_parent"]=> int(0) ["guid"]=> string(35) "http://studentloanreport.org/?p=343" ["menu_order"]=> int(3) ["post_type"]=> string(4) "post" ["post_mime_type"]=> string(0) "" ["comment_count"]=> string(1) "0" ["filter"]=> string(3) "raw" } [3]=> object(WP_Post)#664 (24) { ["ID"]=> int(215) ["post_author"]=> string(1) "3" ["post_date"]=> string(19) "2017-08-28 14:43:49" ["post_date_gmt"]=> string(19) "2017-08-28 14:43:49" ["post_content"]=> string(5773) "What does the future of student debt hold? What changes should borrowers anticipate during the new administration? Sometimes there are no simple answers, which seems to be the case currently. It is difficult to tell fact from fiction in the current climate of information sharing. Headlines seem alarming, but the reality remains that any change happening in the Federal Student Loan legislation is minuscule and slow going. Many bipartisan bills have been introduced in the last couple of years only to be turned down later by the Senate. Our President, Donald Trump, and our new Secretary of Education, Betsy DeVos, have been causing waves in Congress since Early January of this year.

Student Loan Crisis

The state of student debt is now being referred to as the 1.3 Trillion dollar crisis, behind only mortgage debt. Before the 2016 election, there was a push for “free college,” with Bernie Sanders, but now most time, energy, and bills are focused on legislation to shorten repayment periods, lower interest rates and consolidate the lenders into one organization instead of many. According to statistics from the New York Federal Reserve, there are more than 44 million people borrowing currently and the average student graduating now has $37,172 in student loan debt.

Changes to the Income-driven Repayment Plans

Currently, there is legislation proposed to alter the terms of repayment for some student loan repayment plans. The law has stated for some time that the debtor cannot charge payments that are more than 10% of the borrowers income, and that after paying 10% of their income for 20 years, the student loans would be forgiven. The Trump Administration has proposed new legislation that would slightly raise the amount of money being taken per month through the Income-driven Repayment plans and substantially reduce the time in which that money would be collected. Instead of the standard 10%, borrowers should expect the new rate to be 12.5% of income, or an eighth of all earnings. While this seems like a dramatic increase, and it is, simultaneously the reform would call for the repayment period to be lessened to 10-15 years instead of 20, at which time the borrower would be forgiven that debt. Trumps proposal would probably benefit both lenders and debtors in the long run, some say. In the end, debtors will likely pay less money this way. This is especially true because the term of their repayment plan would include fewer of the highest-earning years. Likewise, student loan issuing organizations will likely make a more consistent profit in the long run. It is impossible to deny that losing a full eighth of one's income will have some major effects, but the repayment period has been reduced by a full quarter. This is certainly a benefit worth considering.

Betsy DeVos

The Trump Administration and education secretary Betsy DeVos have been considering methods to consolidate and streamline the student loan process. DeVos proposed that all student loan issuing agencies be handed over to the Treasury Department. This plan included cutting funds to the Department of Education by over 50%. Needless to say, these kind of proposals have some on edge, even downright angry, resulting in a few resignations so far, including James Runcie, the head of the Education Department’s Federal Student Aid Program. This proposal was found unsuitable, and has been withdrawn, but it does have certain possible benefits. Interest rates might go down and service might improve. Some say that bringing the IRS closer to the trillion dollar business of student loans makes sense.

The Unpredictable Horizon

In April of this year DeVos,  officially withdrew two Obama-issued memorandums requiring that the government’s Federal Student Aid office do more to help borrowers manage or even discharge their loans. Some criticize DeVos for removing the memorandums, saying that it will cause many more borrows to default, though most do agree that the government spends too much money on the collection of student debt, spending over $800 million a year to collect on the $1.1 trillion in debt. Meanwhile student's applying for forgiveness under the Student Loan Forgiveness Program can expect no progress on their case anytime soon as these cases have been stalled for fear of fraud by the new administration leaving many to wonder what the future of student loans will bring. Photo by DMichael Burns" ["post_title"]=> string(33) "Tracking Student Loan Legislation" ["post_excerpt"]=> string(0) "" ["post_status"]=> string(7) "publish" ["comment_status"]=> string(6) "closed" ["ping_status"]=> string(4) "open" ["post_password"]=> string(0) "" ["post_name"]=> string(33) "tracking-student-loan-legislation" ["to_ping"]=> string(0) "" ["pinged"]=> string(0) "" ["post_modified"]=> string(19) "2017-09-12 17:52:49" ["post_modified_gmt"]=> string(19) "2017-09-12 17:52:49" ["post_content_filtered"]=> string(0) "" ["post_parent"]=> int(0) ["guid"]=> string(35) "http://studentloanreport.org/?p=215" ["menu_order"]=> int(4) ["post_type"]=> string(4) "post" ["post_mime_type"]=> string(0) "" ["comment_count"]=> string(1) "0" ["filter"]=> string(3) "raw" } } ["post_count"]=> int(4) ["current_post"]=> int(-1) ["in_the_loop"]=> bool(false) ["post"]=> object(WP_Post)#613 (24) { ["ID"]=> int(354) ["post_author"]=> string(1) "2" ["post_date"]=> string(19) "2017-10-23 17:16:37" ["post_date_gmt"]=> string(19) "2017-10-23 17:16:37" ["post_content"]=> string(2070) "Did you know that the average student loan debt amount for students graduating in 2016 was $37,172? That's a lot of money, isn't it? This is why it is so important that you apply for as many grants as you can. Grants don't have to be paid back, whereas student loans do. Still yet, loans prove to be of the utmost value once all of your grants have been exhausted. You should do your best, though, to keep your student loan debt to a minimum.

Knowing how to apply for grants

Whether you are applying for grants or loans, you will need to fill out the FAFSA form. This form must be completed each year for the next upcoming academic year. You can complete the form anywhere between October and June before the next annual funding cycle. It is pertinent that you do your best to be completely honest on your FAFSA form as this will determine how much money you qualify for in grants and loans. If you have had a job, you will need to upload your tax return to the FAFSA system. If you don't have a job and you are currently living with your parents, you will need to upload their tax information.

There are changes coming in the near future

As of now, you cannot be charged more than 10 percent of income when making monthly minimum payments to pay back your student loans. In the near future, though, this percentage is expected to increase by 2.5 percent. This is why it is so important to borrow as little as possible and to pay it back as quickly as possible. Not only will paying it back as quickly as possible help you get out of debt faster, but it will also reduce the overall total amount of interest that you have to pay back on your loans. Guide to Student Loans" ["post_title"]=> string(38) "A Brief Guide To College Financial Aid" ["post_excerpt"]=> string(0) "" ["post_status"]=> string(7) "publish" ["comment_status"]=> string(4) "open" ["ping_status"]=> string(4) "open" ["post_password"]=> string(0) "" ["post_name"]=> string(27) "college-financial-aid-guide" ["to_ping"]=> string(0) "" ["pinged"]=> string(0) "" ["post_modified"]=> string(19) "2017-10-23 17:16:37" ["post_modified_gmt"]=> string(19) "2017-10-23 17:16:37" ["post_content_filtered"]=> string(0) "" ["post_parent"]=> int(0) ["guid"]=> string(35) "http://studentloanreport.org/?p=354" ["menu_order"]=> int(1) ["post_type"]=> string(4) "post" ["post_mime_type"]=> string(0) "" ["comment_count"]=> string(1) "0" ["filter"]=> string(3) "raw" } ["comment_count"]=> int(0) ["current_comment"]=> int(-1) ["found_posts"]=> string(2) "16" ["max_num_pages"]=> float(4) ["max_num_comment_pages"]=> int(0) ["is_single"]=> bool(false) ["is_preview"]=> bool(false) ["is_page"]=> bool(false) ["is_archive"]=> bool(true) ["is_date"]=> bool(false) ["is_year"]=> bool(false) ["is_month"]=> bool(false) ["is_day"]=> bool(false) ["is_time"]=> bool(false) ["is_author"]=> bool(false) ["is_category"]=> bool(true) ["is_tag"]=> bool(false) ["is_tax"]=> bool(false) ["is_search"]=> bool(false) ["is_feed"]=> bool(false) ["is_comment_feed"]=> bool(false) ["is_trackback"]=> bool(false) ["is_home"]=> bool(false) ["is_404"]=> bool(false) ["is_embed"]=> bool(false) ["is_paged"]=> bool(false) ["is_admin"]=> bool(false) ["is_attachment"]=> bool(false) ["is_singular"]=> bool(false) ["is_robots"]=> bool(false) ["is_posts_page"]=> bool(false) ["is_post_type_archive"]=> bool(false) ["query_vars_hash":"WP_Query":private]=> string(32) "0fddf4e47252813ac61beaf97db9b6e4" ["query_vars_changed":"WP_Query":private]=> bool(true) ["thumbnails_cached"]=> bool(false) ["stopwords":"WP_Query":private]=> NULL ["compat_fields":"WP_Query":private]=> array(2) { [0]=> string(15) "query_vars_hash" [1]=> string(18) "query_vars_changed" } ["compat_methods":"WP_Query":private]=> array(2) { [0]=> string(16) "init_query_flags" [1]=> string(15) "parse_tax_query" } }

A Brief History of Student Loans

Articles

The oldest university in the world, Morocco’s University of Karueein, has been instructing students for nearly 1200 years, a full 250 years before England’s Oxford University gave out its first sheepskin.  Up until the end of the Renaissance, universities served as the training grounds for priests, the guardians of all learning for much of history, and students didn’t need to pay to learn because the costs were covered by a sponsor.  Today, the role of the university and the student has drastically changed, especially because sponsorship has been replaced by student loans and the costs have been put on the shoulders of the learners themselves.

This trend continued for hundreds of years until universities expanded their student bodies and began preparing students to be professionals in areas like law and medicine.  In 1796, Thomas Jefferson attempted to make university education subsidized by the state; while the effort failed, cost-free primary education began just 20 years later. By this point in the 1800s, university students were no longer expected to become priests, and no longer exclusively male, but still relied on wealthy families paying the way.  By 1840, Harvard University broke a new barrier by being the first university to offer loans for its students to fund their studies.  The cost of a year’s education at Harvard was less than $150, but during this same time an average worker might only expect to earn about a dollar a day.

University education remained in the hands of the rich elite until the aftermath of World War II.  With millions of soldiers returning to start a new life, the federal government instituted the GI Bill, which covered the costs of a degree and opened up higher education to the masses; half of all students enrolled in university from 1945 to 1950 were former soldiers.  While this initiative is credited with helping to create the American middle class as we know it today, it still wasn’t enough to push American university graduates to the level of other nations.  In 1958, with the Cold War dominated government priorities and politicians fearing that the Soviet Union could overtake the United States’ technological superiority, the National Defense Education Act provided loans as well as grants and scholarships to promising students in math, science, and engineering,

Seven years later, the Higher Education Act made education grants available to students from low-income backgrounds.  It also provided financial institutions with the framework to offer loans at very low interest rates.  Further initiatives to help students from poor families attend college, such as the Pell Grants, followed.  By 1972, 50% of high school graduates went on to college, with grants and scholarships covering 80% of the total costs.  While many families still could not afford to send their children to college, the costs of a university education in the 1970s were very low relative to today’s costs.  Adjusted for inflation, a student could attend all four years at a university for less than the cost of just one year at a university today.  By 1975, however, the costs of college began to rise drastically, starting a trend where tuition rose at a faster rate than inflation.

During the 1980s, laws dealing with the process of repaying student debt began to materialize.  The Bankruptcy Amendments Act of 1984 made it possible to discharge student loan debt on the condition that the student is associated with a nonprofit organization.  Two years later, the length of time needed for a debt to be declared in default changed from 120 days to 180 days, with a 90 day claim period.  Federal Stafford Loans, Supplemental Loans, and Federal Consolidation Loans became prevalent by the late 1980s.

The Higher Education Amendments of 1992 paved the way for major change by adding unsubsidized Federal Stafford Loan options and creating FAFSA.  The government used a new need-based formula to expand these loans to more middle-class Americans, one of the largest initiatives contributing to the flood of student loans taken out in the past 25 years.  One year later, the Student Loan Reform act made it possible for the federal government to provide loans directly to students, rather than through a private lending agency.

By this point, student loan debt had begun escalating.  In 1996, the government passed laws garnishing Social Security wages for those who had outstanding federal student loan debt.  Later, interest rates were capped at 8%.  By 1998, school teachers earned debt forgiveness after working in public schools for a period of time.  Perhaps most critically, the Higher Education Amendment Act of 1998 made it impossible to discharge student loans in bankruptcy after seven years’ insolvency, a change that has created tremendous controversy and limited the ability of debt holders to escape their financial woes by declaring Chapter 11.

The 2003 Servicemembers Civil Relief Act made it more affordable for military veterans to attend college, capping interest rates for active-duty members at 6% and adding military deferment for up to five years.  In 2005, PLUS loans became available for graduate students.  The 2008 Higher Education Opportunity act made it mandatory for loan repayment status to be available to all three major credit bureaus.  At the same time, the 2008 recession meant that private lenders began to back out of federally subsidized loans, limiting the lending avenues available to students.  The government responded by creating the Consumer Financial Protection Bureau and eliminating the fixed interest rates on federal loans.  By 2010, American student debt eclipsed credit card debt for the first time in history; just two years later the national student loan debt also increased past the point of national auto loan debt, as total student loan debt passed one trillion dollars.

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Articles
A Brief Guide To College Financial Aid
Was It Worth It: Student Loan Vs. Entry Level Pay
The Cost of College Around The World [Infographic]
Tracking Student Loan Legislation
Preparing for Graduation: Repaying Your Student Loans
Reports
Student Loan Debt vs. Entry Level Pay: An In-depth, Up-to-Date Overview
A Comprehensive Guide To Student Loans
A Review of Top Companies to Refinance Your Student Loans
A Comprehensive Guide to Refinancing Student Loans
9 Simple Tips for Reducing Overall Student Loan Debt
Resources
The Cost of College Around The World [Infographic]
A Comprehensive Guide To Student Loans
A Review of Top Companies to Refinance Your Student Loans
A Comprehensive Guide to Refinancing Student Loans
Preparing for Graduation: Repaying Your Student Loans
Reviews
A Review of Top Companies to Refinance Your Student Loans
Refinancing Student Loans with Sofi
LendKey Student Loan Refinancing Review
Common Bond Student Loan Refinancing Review
Laurel Road Student Loan Refinancing Review