Understanding the Cost of Attendance (COA) is crucial for new college students and parents budgeting for 2026. This guide explains COA components, comparisons, financial aid impacts, and proven cost-saving strategies. What is Cost of Attendance? The Cost of Attendance estimates total costs you could pay to attend college for one academic year. Federal law now requires all colleges and universities …
Student Loan Terminology 101: A Simple Guide to Common Terms
If you’re new to student loans, the vocabulary can feel overwhelming fast. This student loan terminology 101 guide breaks down the most common terms in plain English so you can better understand your loan options, repayment responsibilities, and borrowing costs. Why Student Loan Terms Matter Understanding student loan terminology can help you compare loan offers, avoid surprises, and make more …
Debt Relief Scams 101: How Student Borrowers Can Outsmart Fake Offers
Earning a college degree is a smart investment but managing loan repayment after graduation requires careful attention. With so many legitimate refinancing and repayment options, it’s easy to get confused, and scammers take advantage of that. The good news is that spotting fake ‘debt relief’ or ‘forgiveness’ offers is easier than you might think. Knowing what to look for can …
4 Myths About Private Student Loan Cosigners
Many students pay for college by using a mix of savings, scholarships, and loans. With private student loans, borrowers may need a cosigner, someone who can help them qualify and possibly get better loan terms. Rather than being risky, cosigning can be a smart way to support a student’s goals and help them start building credit. What a Cosigner Really …
Turning Pocket Change into Payoff: A College Guide
Heading off to college is an exciting prospect for many first-time students — but it can also come with some growing pains. For many college students venturing out on their own, figuring out how to pay for college and being responsible with money is easier said than done. The good news? With a few practical tips in mind, you’ll be …
The No-Panic Five-Step Practical Guide to Paying the College Bill
Paying for college can be a daunting task. Before the bill arrives, the idea is theoretical. But when it hits your inbox, it’s all-too-real. And it must be paid. Don’t panic, do this: Understand the bill The college bill should be very clear about: How much is owed for tuition, housing, meal plans, mandatory fees, lab fees, health insurance and …
SAVE Plan Ends: 8 Key Steps for Borrowers
If you’re one of the 7.7 million on the SAVE plan, you should be aware that it’s ending. Recent changes from the new bill may feel discouraging, but taking steps now helps protect your credit, finances, and emotional well-being. Before diving into the action steps, let’s clarify what the SAVE Plan actually is. The SAVE Plan (Saving on a Valuable …
On Campus vs. Off Campus: How Your Housing Choice Impacts FAFSA
Choosing to live on or off campus is more than just a lifestyle decision; it can also impact your financial aid. Many students rely on the Free Application for Federal Student Aid (FAFSA) to determine their eligibility for loans, grants, and work-study programs. However, few realize that it also factors in your living arrangement while at school. Whether you stay …
How the “Big Beautiful Bill” Will Affect Your Student Loans
Change is coming to federal student loans, and whether you’re a current borrower, planning for college, or helping your kids pay for school, the “Big Beautiful Bill” is about to reshape the rules. Here’s what’s changing, what isn’t, and how you can plan ahead to protect your financial future. 🚦 Big Dates to Remember July 2026: New rules for borrowing …
Federal Loan Interest Rates Are Lower – But Are They the Right Choice for You?
Good news: starting July 1st the interest rate for Federal Loans is lower than the borrowing rate for Academic Year 2024-25. This year, students will be charged 6.39% and parents will pay 8.94% for Federal Direct and Federal Direct Plus Loans respectively. The Origination Fees are unchanged for each: 1.057% for Direct Loans and 4.228% for Plus Loans. Students and …
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