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3 & 4 and 5 & 6 yr old classes
Kinder Karate ® is a child development
program that uses martial arts
foundations to deliver the REAL
lessons parents want. Classes specially
designed for the development of the
Kinder age group.
Unlike the loans mentioned above that are sponsored by the federal
government, state and private loans are sponsored by banks, colleges,
foundations, and state agencies. The U.S. Department of Education manages
all college loans available by state and requires students to be in-state residents
or enrolled in a college in that state. Private loans are an option for borrowers
but come with terms and conditions that may not be as favorable as federal loans.
Private loans also require a cosigner who is responsible for repaying the money if
the student fails to do so.
MANAGING DEBT POST-COLLEGE
WE TEACH
THE BIG 5:
• Focus
• Impulse
Control
• ACTIVE
listening
• Making
Good
Choices
• Confidence
www.KinderKarate.us
844-KINDERS
MCMURRAY • BETHEL PARK
Jefferson Hills • Elizabeth • Belle Vernon
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Student loan debt continues to increase and has become a burden on both
graduates and the U.S. economy. There are a variety of loan repayment options for
students. Here are some tips on how to approach repayment.
• Figure out what you’ll owe and start to save early – Creating a budget early
will allow you to build a solid foundation for repayment after graduation.
Setting aside money each month toward future savings for repayment will set
you up for success come graduation day.
• Understand your repayment options – There are several different options
available to start paying off student loans based on the type of loan you
received. Common federal loan plans include standard, graduated, extended,
or income-based. Standard plans are payments in fixed amounts that ensure
loans are paid off in 10-30 years (these payments are often very high for new
graduates). Graduated plans are payments that start out lower and increase
every two years, also ensuring loans are paid off within 10-30 years (based on
loan). This plan assumes you’ll continue to make more money as you continue
your career path, so additional money is allotted to repayment as you go.
Extended plans may be made in a fixed amount or a graduated amount and
ensure payment in full within 25 years. Income-based plans take 10-15 percent
of your discretionary income and are recalculated each year. Once you are
married, your spouse’s income will also be considered, if filing jointly on tax
returns. Any outstanding balance on the loan will be forgiven after 20-25 years.
• Consolidate for ease – If you have multiple federal loans, consolidating them
into one can make repayment easier. But there may be fees or other conditions
associated with consolidating, so be sure to do your research.
• Is forgiveness an option? Some programs offer loan forgiveness if you meet
certain criteria or work in a particular field. People in government, nonprofit,
and other public service jobs may have the remainder of their loans forgiven
after 10 years of service. Additional forgiveness options are available for
nurses, teachers, AmeriCorps and Peace Corps volunteers, and some state and
private programs.