Nitro Knowledge. Your Guide to Paying for College.

Though student debt can sometimes feel like an ever-present shadow, knowing exactly how much debt you have doesn't always come easy.

Luckily, you have a few avenues for accurately determining how much you owe in student loans:

  1. Downloading your credit report.
  2. Logging into the National Student Loan Data System (NSLDS), or
  3. Contacting your lender (or lenders plural, as the case may be). 

Downloading your credit report is the easiest way to get a full picture of what you owe, especially if you have both private and public student loans. But each option has its merits, so let's dive in.

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Ever wonder if your student loan lender is keeping something from you?

You know…one of those little white lies of omission. Something along the lines of “you could have a 4% lower interest rate on your student loans right now, if you played your cards right.” Harmless, right? Not really. Because that means you're paying a lot more than you should be.

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Have you recently been contacted by Premier Student Loan Center? If so, you should know that online reviews suggest that Premier Student Loan Center is not a reputable company. 

This is a company that bills itself as a solution to your student loan debt problems. They say they can lower your student loan payments and generally help you with student loan services—for a fee. These promises can sound enticing. After all, many borrowers struggle not only understanding student loan concepts like interest capitalization, but also with basic services like managing monthly payments. 

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Student loans can be a huge financial burden. If you’re struggling to handle your monthly payment, you have some options. 

AES is one of the lenders that services federal student loans. If you have federal loans serviced through them, here are four steps you can take to reduce your monthly payment.

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