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Federal vs Private Student Loans
Federal student loans offer income-driven repayment plans, deferment, and potential forgiveness programs. Private loans often have higher rates and fewer protections. If you have both, prioritize paying off high-rate private loans first.
How to Pay Off Student Loans Faster
- Make payments during grace period or while in school to reduce principal
- Apply any raises, tax refunds, or bonuses directly to the balance
- Refinance at a lower rate once you have a stable income and good credit
- Round up your payment — paying $450 instead of $400 makes a real difference
- Explore employer student loan repayment benefits
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