• 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
Your Child. Our Care. Their Future.
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
Now enrolling in our Green Tree location
Your
Child.
them into one can make repayment easier. But there may be fees or other
412-928-9628
Our Care.
conditions associated with consolidating, so be sure to do your research.
601 Holiday
Drive,
Suite
106
Their Future.
At Tender Care Learning Centers,
Foster Plaza Building 3, Pittsburgh, PA 15220
our teachers are experts at tenderly • Is forgiveness an option? Some programs offer loan forgiveness if you
caring for children and helping them
make new friends, while learning and
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meet certain criteria or work in a particular field. People in government,
having fun along the way.
Give your child the opportunity to reach their
nonprofit, and other public service jobs may have the remainder of their
We exist to help children develop
full potential at Tender Care Learning Centers.
a lifelong love of learning
loans forgiven after 10 years of service. Additional forgiveness options are
available for nurses, teachers, AmeriCorps and Peace Corps volunteers,
Learn more about Tender Care Learning Centers and some state and private programs.
at EarlyEducationPros.org!
A lifelong love of
learning starts here.
www.earlyeducationpros.org
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PRE-K – HIGH SCHOOL
The first public school opened in the United States in 1635, and the Boston
Latin School remains the nation’s oldest public school. Early education
didn’t focus on math or science, but on the virtues of family, religion and
community. Nearly 400 years later, schools are harnessing the fundamental
principles of community, and although it may look very different in this
day and age, a strong focus is being put on the importance of creating a safe
school culture and tapping into technology for limitless learning.
In 2019, students, parents, teachers, and administrators are seeing changes
both inside and outside of the classroom. One of the biggest changes