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The option to defer federal student loans may feel like a safety net — even if you've never done it, you like the idea that you could if you needed to. Maybe that notion has even stopped you from refinancing to a lower interest rate with a private lender. That means you mean be paying more than you need to for a benefit that you may or may not use. 

So can you defer private student loans if you decide to refinance? The short answer: No, you can't defer private student loans in the traditional sense. But the long answer is much more nuanced. Many private lenders offer some form of assistance if you experience an economic hardship. 

Student loan debt is higher than ever, and the burden on new college graduates can be severe. In fact, research shows that it will take most graduates nearly 20 years to pay off their loans. 

If you’re a healthcare professional in Arizona, you might be able to qualify for student loan forgiveness through the Arizona Student Loan Repayment Program (SLRP). The program is designed to encourage healthcare professionals to work in underserved areas of the state.

Think you might qualify to get your federal student loans forgiven under the Public Service Loan Forgiveness (PSLF) program? Here’s a step-by-step on how to qualify—and how to get your loans forgiven.

See also: Is Public Service Loan Forgiveness All it's Cracked Up to Be? 4 Things to Know

If you're struggling with student loans, you’re not alone. On average, graduates leave school with $37,172 in education debt. Worse, it takes most people nearly 20 years to pay off the loans in full.

If you’ve decided to tackle your debt by refinancing your student loans, going through a credit union instead of a traditional bank can be a smart choice that can save you money. Even better: There's a new, innovative lending platform that can make finding the best deal a whole lot easier. Let's talk about how to find a loan through LendKey. 

What’s the best way to tackle multiple student loan payments? Should you pay a little extra on every loan, every month? Or is it better to focus your attention on one loan at a time?

Paying down high-interest loans first can save you more money, but tackling low-balance loans first can provide a powerful mental boost. Of course, federal and private loans may have different loan terms that are worth considering. Let's take a look at how to parse out what's right for you.

Think you’ll be carrying the student loan monkey on your back forever? Maybe—but it’s not inevitable. Here are stories of five people who went to extreme measures to pay off huge student loan debt in lightning-fast time.