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Repaying Student Loans


Jul 28, 2011

Even before college applications are due, many students are worried about how they will afford their postsecondary educations. Once the enrollment deposit is in and the initial stress of finding funding has passed, however, it’s easy to forget about how some forms of financial aid – namely, student loans – require repayment starting about six months after graduation. Here are a few tips to follow so you’re prepared when this time comes.

When applying for loans, there are three standard loans you can receive. There is the Direct Subsidized Stafford loan (which doesn’t charge interest while you are in school), the Direct Unsubsidized Stafford loan (which does charges interest while you are in school) and the PLUS loan (which requires a parent or co-signer. Repayments for [...]

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Making videos is something just about everyone I know has tried. And it's no wonder: Programs available today make it so easy...just look at YouTube's content! Whether you have aspirations of becoming a professional filmmaker, receive an unconventional class assignment or just want to film your college graduation, expressing yourself and preserving your most treasured memories can be done [...]

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Sometimes on-campus living is not an option. Dorms are too expensive or overfilled, or housing may not be provided to transfer students. Well, off-campus housing it is!

One of most efficient ways to live off campus is to find a friend, relative or even a parent’s friend who lives near the campus to see if they would allow you to stay with them. If you choose this option, make sure [...]

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In this age of technology, we have access to nearly unlimited resources to help us learn. You might want to add these URLs to your favorites list:

Google Scholar. This site is like the original Google, only smarter! You can search for articles on a topic and narrow your search to articles written during a specific time period, or even limit exclusively to federal or state court [...]

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Being a college student has a lot of perks in terms of accessible facilities, discounts and resources. Here are a few tips on what to take advantage of while you’re a student: Amazon Prime. The power of a dot edu email address is amazing and here’s a great way to get a top-notch service for free for a year. Amazon Prime gives you free two-day shipping on eligible products and one-day [...]

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Lately, I’ve been searching far and wide for Neverland – a place where I don’t have to grow older, a place where I can evade responsibility, a place where I can avoid the looming anxiety of college, a place in which to find solace from the fear of independence.

Having never been away from home for such an extended period of time, there are a few qualms I have with starting [...]

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Teaching students how to write (and write well) has long been a challenge for educators. Sure, there are always those students with a knack for style and syntax but how can teachers get less-proficient or ESL students excited about writing and bridge the digital divide at the same time? Through blogging.

Jon Schwartz, a fourth- and fifth-grade teacher from Oceanside, Calif., found [...]

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The first day of classes means new professors, new classmates and a completely new routine. It is also about the time that universities distribute refund checks to students. Refund checks are extra funds that are left over after all school fees have been paid. These funds are the result of excess scholarships, grants and loans. Refund checks can come in handy, as students can use the extra [...]

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There are many options for living on or off campus but what’s the best housing option for you?

The most common housing option for a full-time day college student is an on-campus dormitory. As a freshman, I was permitted to join a program called “First Year Experience” or FYE. FYE was for incoming freshmen who had a 3.0 or above grade point average and filled out an application in [...]

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There’s one thing about living on campus that everyone always worries about and that is the roommate situation. Unfortunately, unless you have a friend that you plan on living with, you will have very little control over who your roommate will be. Sorry!

When it comes time to sign up for housing for the first time, most colleges will have incoming freshmen fill out a survey of [...]

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Everyone has a complaint about the high school they attend. Maybe your school is too small. Maybe it isn’t in a “cool” area. Maybe you think it’s simply boring. Whatever the case, the schools we see on television and in movies seem so much better than our own. They may seem perfect but every high school has as cons as well as pros.

Hogwarts School of Witchcraft and [...]

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Today I took a stroll through my favorite store on Newbury Street and couldn’t help but notice flowing tank tops and shorts staring at me from the sale rack. As the scorching heat outside begged me to purchase these seasonal items, my three years of experience with the Boston climate said to walk away.

Attending college in the Northeast is a feat when it comes to the climate. You [...]

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In life, keeping things in order, having a set schedule and planning ahead will truly save you time and keep you on track. In college, staying organized is even more important.

When making your shopping list for college, put a planner at the top. I have been using one since I was in elementary school and it has always helped me stay on top of my stuff. It came in handy most in [...]

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One of the best ways to get involved on campus is to show you care by giving something back through student volunteering. Thankfully, there are plenty of ways to do this. What’s best for you?

One way is to get involved with organized campus projects such as campus clean-up or even landscaping. Many colleges have some kind of “Show You Care” day that allows students to help with [...]

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When you first begin attending college, you may be overwhelmed by the need to participate in as many activities as possible. Doing so is a good idea because it allows you to make new connections throughout the campus and you will more than likely become more comfortable at your school. It is possible, however, to be too enthusiastic when it comes to participating in activities on campus. And [...]

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Do you feel restricted by more traditional college majors such as business, education and nursing? If so, a non-traditional major may be for you! Many colleges offer majors you may not even have known about including decision making, Egyptology and marine biology.

You may be wondering how there could possibly be a major devoted to decision making but the coursework is surprisingly [...]

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Stress is unavoidable, especially in college. At times, it seems like there is a never-ending list of homework to complete, reading assignments to study and laundry to do – not to mention maintaining a healthy social life! It’s important to remember that although you can’t avoid stress, you can learn to manage it. Here are some ways how:

Make time for yourself, even if it’s only [...]

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Do you think that just because you’ve never scored a touchdown or hit a home run you can’t have the student athlete experience? Think again! There is a whole world of collegiate sports opportunities awaiting you. Here are two of the most unusual:

Underwater Hockey. Though these two words typically aren’t used together, schools ranging from George Mason University to the University [...]

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With the soaring prices of college tuition, most college students are trying to get the biggest bang for their buck when paying for school. One way they’re doing this? Having more than one major or minor.

Now don’t be under any delusions: Having a double major or a double minor is a lot of work – and I mean A LOT – but it can be very rewarding. Not only do you get a leg up in the [...]

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Your school needn’t be a known party school for there to be one...or many. Just remember, whether you are throwing a party or attending one, safety should be your first priority.

For party attendees: Keep your beverages in hand. If you put your drink down, get a new one; it’s one of the best defenses against being slipped a “roofie” (aka the date rape drug). Employ the buddy [...]

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In my last article, I mentioned some of my experiences with college political parties and gave a little advice on how to choose one. While the two main choices are College Democrats or College Republicans, there are other ways one can get politically motivated on campus.

One way is joining Student Government Association or SGA as it is called at many schools. SGA is a student-led [...]

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It's happened to all of us. We feel the vibration of our phones in our pockets or notice them light up on our desks, informing us that we've just received text messages. We instantly feel inclined to read the message; while some students read and respond in a discreet way so that they appear to still be paying attention in class, others choose to reply while sitting on the front row or get [...]

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Kindles, eBooks and Nooks are all electronic alternatives to traditional paper bound books that are slowly becoming more and more popular. Though I prefer paper bound books, I must admit that I really want a Kindle but this gadget and others like it don’t really have a place in college classrooms (yet) for several reasons.

As anyone who has taken a college course can attest, the [...]

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Have you ever started an essay or research project and found you absolutely hate the topic you chose? I know I have so that’s why when I started college, I vowed I would choose personally relevant topics whenever possible to make my college assignments more enjoyable.

In my logic and rhetoric class, for example, I had to choose an issue I could argue about from multiple perspectives. [...]

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If you’re happy and you know it, clap your hands. If you’re unhappy and you know it, do not take to Facebook.

This is advice Roman Caple could have used a few months back when he was barred from commencement exercises because of something he posted on Saint Augustine’s wall. He’s still mad – suing mad, in fact: Caple is suing the North Carolina school for more than $10,000 in [...]

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Think of a modern classroom full of tech-savvy whiteboards and a plethora of electronic capabilities. Now think about being in that same classroom but not being able to see. Could you perform and interact like your vision-unimpaired classmates? Two Florida State University students, Christopher Toth and Jamie Principato, could not and are suing the institution for discrimination.

[...]
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