By Ryan Laspina
Compliance and Default Prevent Specialist at American Public University System

If you are feeling the burden of your student loan debt, there are plenty of companies out there that advertise they can help you reduce your debt or even eliminate your debt. While these promises seem very appealing, the fact of the matter is that they are probably a scam. There are many people out there that will try to take advantage of college students with student loan debt. Here are some strategies for avoiding being tricked.

By Ryan Laspina
Compliance and Default Prevent Specialist at American Public University System

If you are serious about student loan repayment, but want the opportunity to find a job in your career field without feeling like you need to take the first job that comes around, one of these options may be right for you. Again, as with any major financial decision, make sure you do your homework before committing to a repayment plan.

By Ryan Laspina
Compliance and Default Prevent Specialist at American Public University System

Paying extra on loan payments is not always the right decision. If you feel comfortable paying the minimum monthly payment, then that is the option you should choose. The most important thing to remember is that you need to be clear with your loan provider about how the extra funds should be allocated.

By Ryan Laspina
Compliance and Default Prevent Specialist at American Public University System

Many students have found themselves in a situation where their student loans are just too overwhelming. Defaulting on a loan is a prime way to ruin your credit, so what do you do? If you have every intention of paying back your loans, but just are not in the financial position to do so, there are options for you.

By Ryan Laspina
Compliance and Default Prevent Specialist at American Public University System

Understanding federal student aid (FSA) is not an easy task. It is such an extensive subject and many people can become confused easily. When studying FSA, make sure you use a reliable source so that you know the information is accurate.

By Ryan Laspina
Compliance and Default Prevent Specialist at American Public University System

Before you proceed in choosing your course load you may want to spend some time deciding how many classes you should take for the upcoming semester. This is a very important decision, as you should strive to efficiently manage your financials and your time. Let us discuss some tips for determining a perfect course load.

By Ryan Laspina
Compliance and Default Prevent Specialist at American Public University System

Investing in your education is a great decision, but it is not one that comes without much planning and sacrifice. Did you know that one of the best ways to ensure responsible spending is to create a simple budget? A key area to focus on is your existing and projected expenses.

By Ryan Laspina
Compliance and Default Prevent Specialist at American Public University System

For most college students, federal student loans are necessary to cover the costs of attending college. Taking out student loans is a decision that takes a lot of planning, thought, and responsibility. Before taking out any student loans, you should decide if they are really necessary to cover educational expenses.

By Shalena Gonzales
Financial Aid Specialist, American Public University

Making small changes in your financial habits can greatly improve your financial situation. One of the most important steps on the road to financial recovery is to spend less than you earn.