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Posted On: July 23, 2010 by Scott Sagaria

5 tips to help with student loan debt

A San Jose bankrutpcy attorney suggests 5 tips to help with student loan debt

Student loan debt can be some of the most difficult debt to repay. However, student loan debt is known as “good debt.” Student loan debt is debt incurred in order to further or better one’s financial situation. For the most part, student loan debt is not dischargeable in any chapter of bankruptcy.

The first tip with student loan debt is to make timely payments. This is essential since most student loan debt is backed by government money. The second tip on student loan debt is to take out only that which you need in order to get through school. A third tip on student loan debt is to use your student debt in place of credit cards. The interest rate is often times lower on a student loan and you don’t have to repay the balance until you finish school. A fourth tip on student loan debt is to find a co-signor. A co-signor such as parents or spouse will likely lower the interest rate of the loan. And lastly, a fifth tip on student loan debt would be to stay in school, regardless of how minimal it is. This way, you can continue to defer payments until you are established in a well paying job.


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Posted In: Student Loan

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