loan consolidation

Student loan restart strategies that actually work

Student Loan Restart: 7 Strategies to Stay Ahead in 2025

Student loan restart strategies matter when repayment resumes — they help you protect credit, lower monthly bills, and avoid unwanted fees. This guide shows how to review your federal loans, pick the right repayment options, and use income-driven plan tools so you can restart repayment with confidence. You’ll learn practical steps, examples, and mistakes to […]

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Debt consolidation pros and cons — what to know

Debt Consolidation: Pros, Cons, and the Traps to Avoid

Debt consolidation pros and cons are worth weighing carefully before you combine debts into a single loan or transfer balances. This article breaks down the real benefits, common costs, and the scenarios when consolidation helps — and when it doesn’t — so you can decide with confidence. You will learn how consolidation works, when it

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A graduation cap sits atop a spread of hundred-dollar bills with a rolled diploma beside it, symbolizing the triumphant end of years of hard work, but also hinting at the looming presence of Sallie Mae.

How to Lower Your Sallie Mae Student Loan Interest Rate

If you’re trying to lower your Sallie Mae student loan interest rate, you’re not alone. One reader of AskTheMoneyCoach.com shared their frustration about consolidating loans with Sallie Mae back in 2001 at a fixed 7% interest rate. While payments have been consistently made for over a decade, Sallie Mae offered no solutions when asked about

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