Sterling Yoga offers a wide variety of
classes and workshops for all skill levels
such as therapeutic, meditation, and
dance classes. Our wellness center offers
holistic services such as massage, reiki,
and reflexology
We are home to Crystalline Cave,
an active Himalayan salt room; and
Pittsburgh Photon Studio, the east
coast’s first light and color infrared sauna.
412.260.0533
www.sterlingyoga.com
393 Vanadium Road, Suite 201 & 202, Pgh, PA 15243
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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
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.
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