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If you’ve taken out student loans, understanding the repayment process is crucial for managing debt effectively.
Types of Loans:
Federal Student Loans: Often offer lower interest rates and flexible repayment options.
Private Student Loans: May have higher interest rates and fewer protections.
Income-Based Repayment Plans: Allow you to make payments based on your income.
Loan Forgiveness Programs: Available for those who work in public service or nonprofit sectors.
Strategies for Managing Debt:
Make interest payments while in school to reduce long-term debt.
Explore consolidation or refinancing options for better interest rates.
Stay informed about grace periods and repayment deadlines.
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