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Student Loan Debt

College Education is a superb investment in your future, a fine way to gain the knowledge and experience necessary before launching yourself into the career world. But while there are many adjectives you can use to describe college education, "affordable" is not one of them. In the United States, the current average cost of a four year degree can range from $30,000 to $100,000+, depending on the school and where it's located. This results in student loan debt. And the costs of this student loan debt continue to increase at a rate way beyond that of inflation.

Controlling Student Loan Debt

These costs must be controlled, and as a result, many students are forced to consider educational loans in order to fund their post secondary schooling. This works for many, and enables education to be completed without a hitch. But after college is over, and the final bell is rung, these education loans can be a brutal burden. Like it or not, they will follow you for years and years until they are paid off. Here, we attempt to address a few ways to kill that debt quickly; at least, before it starts to kill you!


Reducing Your Student Debt - Now And In The Future

Your first avenue of debt reduction should come while you are still at school. A superb track to take is to consider educational co-op programs. These programs enable you to not only go to school, but to work for a company that fits in with your field of study. What's great about these programs is that they help pay for your lifestyle and student debt while you are still a student, but don't adversely affect your academics like a regular part time job. The only drawback is that your degree time may be extended. But, the cost benefits far outweigh the time you put in. What's more, it's an incredible way to get your foot in the door of a company you may want to work for in the future!


Write It Off!

Student Loans, much like home mortgages, allow a portion of the interest to be deducted from your taxes. This can result in refunds, which of course should go toward the debt.


Avoiding Expensive Education

While going to a big-name Ivy League college can be beneficial, it can also be absurdly expensive. Attending a state university or local community college can offer real benefits, and save you lots of free money. What's more, many of these schools offer scholarships, bursaries and benefits you won't get from the big schools. In many cases, all you have to do is apply. Make no assumptions - simply apply for any free money available. You may find that it will starkly change your financial situation in the future. Look at school alternatives. Consider attending a local school or community college. These institutions are generally much more affordable, and the credits can be transferred. Apply for grants and scholarships. Nothing beats free money. There are many funds available for a wide variety of qualifications. Do not assume that you have to be an academic (or athletic) all star to qualify.


Don't Wait On The Debt

With debt repayment, procrastination can be a silent killer. And this process is enabled, mainly because most loans have some way to defer them built in. The temptation is always there to defer, but resist it. It will save you thousands in interest in the future.


Consolidate Your Debt Current loan interest rates are so unabashedly low right now that it's foolish not to consider consolidating your higher-interest loans. There are programs available, and they are great ways to pay off your student debt immediately.


If you're planning to go to college soon, it's important to remember that educational costs rarely, if never, go down. It's a fact of life that costs only go up. So if student loans become necessary for you, try to keep track of them, and constantly on top of them. It can mean the difference between a better financial life, and facing a loan that will be with you for the rest of your life!


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