If you'd like to lower your payment on your federal student loans, you should know that the government offers several income-driven repayment options. Good news, right? The even better news is that it only takes about 10 minutes to enroll. 

These plans recalibrate your payment to a manageable amount based on your income and ability to pay. You can enroll by calling your federal loan servicer, or by applying online. Here's how.

Got a private student loan through SunTrust? Did you know you can refinance that loan—and potentially score a lower interest rate? You absolutely can.

If you refinance your SunTrust loan and you've already graduated, you have to pick a new lender. That's because SunTrust doesn't offer refinancing, unless you're applying for a new student loan with Suntrust and you want to roll previous student loan balances into your new loan.

It’s depressing to think that your student loans might outlive you. But, unfortunately, it happens.

If you die before paying them off, the fate of your student loans depends on a lot of factors. Sometimes they get forgiven—but in some cases, other people in your life might be on the hook, especially if you’re married. Here’s a look at some of the determining factors.

Can you pay off student loans with a credit card? Sure. It’s a free country. But maybe a better question is should you? 

It can be really tempting to look for shortcuts to get rid of student loans—and you’re not the first person to get one of those 0% APR credit card offers in the mail and go “Hmmmm.” But we strongly suggest you put the envelope down and back away slowly. Let's dig in a little deeper.

Did you know that it's possible to get a lower interest rate on your Great Lakes student loan? It totally is. The only catch: You'll have to say "so long" to Great Lakes.

To refinance your Great Lakes student loan to a lower interest rate, you'll need to apply for refinancing through a private lender. The good news is this whole process is pretty easy, and people do it all the time. In fact, 94,000 people refinanced their student loans last year. Here's what you need to get a better deal on your own student loans. 

Got a private student loan with Discover? You could stick with them—or you could refinance your loan, score a lower interest rate, and laugh all the way to the bank. 

So, how, exactly, do you refinance your Discover student loan? All you need to do is check competitor's rates and apply—the whole process takes about 15-20 minutes. We'll walk you through it.