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Nitro Knowledge. Your Guide to Paying for College.


The option to defer federal student loans may feel like a safety net — even if you've never done it, you like the idea that you could if you needed to. Maybe that notion has even stopped you from refinancing to a lower interest rate with a private lender. That means you mean be paying more than you need to for a benefit that you may or may not use. 

So can you defer private student loans if you decide to refinance? The short answer: No, you can't defer private student loans in the traditional sense. But the long answer is much more nuanced. Many private lenders offer some form of assistance if you experience an economic hardship. 

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The transition to a college life is looming. In the movies, kids show up to their spacious dorm rooms with a few suitcases and transform the place into a magical wonderland. The reality is a bit different.  

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It happens all the time. Aid that covered you in the fall isn't available in the spring.

As the holiday shopping season ramps up and the fall semester wraps up, many families find there is a difference between their budget and the tuition bill due.

But you don’t have to set your family’s educational progress back by taking a semester off. Here are five ways to make up the balance.

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When your kid was little, it was pretty easy to say no.

No, you’re not going to jump in the mud in your new shoes.
No, it’s not time for a cookie. It’s time for kale.
No, you cannot smear yourself with butter before school.

When you said no back then it was to keep them safe, healthy, and socially responsible. As they’ve gotten older, it’s harder to say no because they ask for less ridiculous things. You’ve set curfews, insisted they send text messages, and even loaned them your car. You see them growing into an adult right before your eyes. So saying no feels different.

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If you’re considering taking out a loan to help your son or daughter pay for college, you obviously want to get the best deal possible.

However, with so many options, it can be hard to know how to get an apples-to-apples comparison on different loan types.

We’re here to help. In this article, we’ll look at the Parent PLUS loan and discuss how it stacks up against loans from private lenders.

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Do parents have a say when it comes to their child’s college education?

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Best Banks for Private Student Loans in 2017. Get Your Rate.
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