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It's often seniors who are considered easy targets for scams and frauds, not tech-savvy millennials.

But a new but the study by the Federal Trade Commission (FTC) found that Americans in their 20s and early 30s are more likely than those over 70 to fall for online scams. Here's what else the study found — and a few tips to avoid scams. 

Student loan debt can push back your timetable for moving forward—like getting an apartment and finally living on your own. It could make you settle for a job you don’t like, or that isn’t in your field, just because you have that loan to pay back.

It’s understandable that you may be so anxious about saying goodbye to your debt that you’ll consider doing so by any means necessary. That desperation, though, could lead you down the wrong path. You might even talk yourself into taking money out of your 401(k) to pay off your loans.

But is it a good idea? Usually no.

If you have more than one student loan, you may have considered consolidating them to simplify your monthly payments.

But what does consolidation mean, exactly? Is it the same as refinancing? The fast answer: Student loan consolidation allows you to take multiple monthly student loan payments and join them together. Student loan refinancing is when you take out an entirely new loan to pay off your existing student loans.

The tax bill that was signed into law in December 2017 very nearly included a number of provisions that would have been disastrous for both current and former student loan borrowers — like eliminating the student loan interest deduction and tax-free tuition waivers for graduate students. Fortunately, most of the radical changes originally on the chopping block were rejected. 

So what do you need to know about how the new tax bill impacts student loans? The quick summary is this: Not a whole lot has changed and there's at least one positive addition — removing tax liability from discharged student loans in the case of death or disability — that will make paying back student loans just a little bit easier.

You may not follow the financial news in your spare time, but if you're in the midst of purchasing a home or refinancing your student loans, you've probably noticed that interest rates are expected to rise.

While, yes, that could have a negative impact on your immediate financial future, you don't have to panic. As long as you're prepared, you can take action now and benefit from the continued low interest rates—because these are still low in comparison to historical rates

If you have an AES student loan (or loans), you've probably wondered how to get a lower interest rate. The bad news: AES will not your lower your interest rate, even if you call and beg. 

But there's good news, too. You can refinance your AES student loan through a private lender. Doing so can yield you a lower monthly payment or massive savings over the life of your loan. Let's talk about the steps you need to take to refinance your AES student loan.