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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
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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