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Nitro Knowledge. Your Guide to Paying for College.


If you're reading this, your college career is probably coming to an end — and student loan payments are just around the corner. Understanding your options for repayment can be pretty overwhelming, especially when you're not even sure who you're supposed to be making payments to.

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If you’re like a lot of college graduates, you have multiple student loans, all through different lenders. Is it time to get them all in one place? There are pros and cons to refinancing your federal loans through a private lender, so it's important to carefully consider your specific circumstances.

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Want to improve your finances in the New Year? You aren’t alone. Financial resolutions are among the most common, with people resolving to get out of debt, save more money, and clean up their spending.

But “spend less” and “save more” may not cut it. Most people don’t keep their New Years resolutions—not from lack of willpower, but because they don’t have concrete ideas about how to keep them.

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Maybe you need to reduce your monthly student loan payment so you can save money. Perhaps you’re on a mission to get out of debt sooner, or it could be that your interest rate is 6.5% or higher and you believe you can beat that rate. 

For sure, there are any number of reasons why refinancing your student loans is a smart strategy. 

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Paying student loans is a fact of life for more than 70 percent of college graduates – but paying too much for those student loans doesn’t have to be. Many people don’t realize that once they’ve been out of school for a few years, they could be eligible for lower interest rates on their private student loans.

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Most people with student loans owe at least some of that money to the federal government. Government-backed loans are usually the first step for borrowers, and with good reason. They are widely accessible, have fixed interest rates, and carry many benefits. But there are some significant drawbacks, too. Among the biggest is that there is no way to renegotiate the interest rate through the federal government if economic conditions change.

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