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Our expert tips and hacks will help you save money, pay off loans sooner and stress less about student loan debt.

Read the other posts in the series here—and get all the info you need to make intelligent decisions about your student loans.

There are two types of student loan consolidation: federal and private.If you have Perkins loans, think twice before consolidating them; you’ll lose access to Perkins loan cancellation if you do.Federal loan servicers are private companies that manage federal loans for the Department of Education.There are also a number of federal loan repayment plans that can ease the burden for borrowers facing tough economic times.For example, the government’s Pay As You Earn (PAYE) and Income-Based Repayment (IBR) programs allow borrowers to make reduced monthly payments based on financial hardship.

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Whether you’re looking to refinance federal student loans, pay off loans sooner, or get a lower monthly payment (maybe all three), we offer a range of rates and terms.

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