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Refinancing and consolidation are two ways to make student loans more manageable.

Refinancing is a strategy that can help you save money, while consolidation can simplify your student loans and result in other potential benefits.

Your best option depends on your goals, financial circumstances and current student loan debt.  

As you make plans for your New Year’s celebration, take a moment to think about what comes after the dinners, the parties, and the hangover.

On January 2^nd, life will resume—and that means getting out of the holiday bubble and facing your finances. But that doesn’t have to be overwhelming or a downer. You just need a game plan. 

For some college grads, the income they earn right after graduation makes it difficult to pay down the balance on their student loans.

If this is a challenge for you, the government’s Graduated Repayment Plan might help make things more manageable by lowering your monthly student loan payments. 

Chances are, if you are a new college graduate, you have some federal and/or private student loans that need to be repaid.

Because managing debt can be a burden and keep you from achieving life goals like moving out on your own or getting married, paying off student loans early might seem like a good idea. But debt and finances are intertwined, so there are several things to consider before you start applying any extra cash toward retiring student loans early.

Imagine having thousands of dollars in extra money to put toward a new car, new home or dream vacation. If you have federal student loans, refinancing could make this possible, but you should be aware of its potential downsides, too. Because refinancing is available only through private lenders, it’s important to know both the benefits and the risks of leaving a federal student loan program.

Today, more and more smart college students are making efforts to attack their student loan debt while they are still in school.

Why? Because even small amounts of money applied to pay student loans while in school can save thousands over the repayment lifetime after graduation.