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Student Loans

Learn more about how student loans work & best practices for managing them, see our top picks for new student loans & student loan refinancing, and find reviews of the top lenders in the industry.

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Types of student loans

The federal government, state agencies, and private lenders offer student loans to cover education costs. These loans can be made for specific borrowers to accommodate unique financing needs. With so many types of student loans available, it’s essential to focus on lenders that offer the loan you need.

Student loan uses

Most student loans are disbursed to your school, which then send leftover funds to you. Use this extra money to pay for other education expenses.

Student loan reviews

If you’re considering several companies for your student loan needs, giving each a proper review before deciding which to apply with is essential. Check out our reviews to see which company offers what you need.

All-in-one guides

The following resources are excellent choices for comprehensive guides to specific topics.

Student loan data, statistics, and calculators

Because the student loan industry has changed in recent years, it’s critical to stay informed about general trends and statistics. This information can help you make informed decisions and better manage your student loans.

Latest on student loans:

5 Best Student Loan Refinance Bonuses in June 2025

Lender Bonus type Amount SoFi Referral $1,000 for doctors and dentists; $500 for all other...

How Much Does It Cost to Refinance a Student Loan? 14 Fees and Financial Impacts to Be Aware Of

It generally doesn’t cost anything to refinance a student loan because lenders don’t charge an...

Maximum 529 Plan Contribution Limits by State

A 529 plan is an account that allows you to save for college expenses while minimizing your tax burden. Parents or grandparents often...

The 5 Best Credit Unions to Refinance Student Loans in 2025

The internet has made it significantly easier to apply for any kind of loan nowadays....

Debt-to-Income Ratio for Student Loan Refinance: What to Know About DTI [With Calculator]

Your debt-to-income ratio (DTI)—your monthly debt payments divided by your gross monthly income—is a crucial...

How to Consolidate Private Student Loans

Consolidating private student loans can have several benefits, such as combining multiple payments into one and securing a lower interest rate. Depending on...

How to Remove a Student Loan Default From Your Credit Report

Student loan default occurs when you fail to repay your loan as promised. Default time...

Can 529 Funds Be Used on Student Loans?

Due to the high cost of college, saving enough for school can seem impossible. Fortunately, the right investment vehicle can simplify the process,...

How to Refinance Student Loans With Low Income: 7 Lenders to Explore

Refinancing student loans with low income can be challenging, but it’s not impossible. While “low...

How Much Student Loan Debt Is Too Much? 3 Scenarios and Next Steps

Think you borrowed a “reasonable” amount of student loans—but still feel buried in debt? Even...