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Ways To Pay Off Student Loans

Evelyn Said:

how to pay student loans off, when you cannot find a job?

We Answered:

You can apply for a deferment or forbearance. Check with AES or whichever company you used.

Sandra Said:

What is the best way to pay off student loans more quickly?

We Answered:

If you pay an extra amount with your monthly payment, it should go toward principal. If you just pay a couple days early, it would basically count as your next payment but might save a very small amount in interest.

Sidney Said:

is it smart to pay off student loans with a credit card?

We Answered:

That is one of the worst things you can do. Student loan rates are very low compared with consumer credit rates. Even if you have an introductory rate of 0%, the rate will go up and at that point, you have no way to convert that debt back to student loan debt. Also, student loans don't affect your credit score the way that credit card debt does. Don't do it.

Virginia Said:

What's the best way to pay off student loans?

We Answered:


Harold Said:

Is there a way to get free money to pay off student loans in middle of repayment?

We Answered:

You can consolidate your loans to lower the payments. If you have decent credit you can get a new loan through a private lender as well, and refinance, but your payments might not change too much. That's not a very big debt -- what is your interest rate? It should be very low.

Talk to your current lender too -- some student loans have special forbearances for times of hardship. Don't stop trying to get that job you wanted!

Cody Said:

Best way to build credit and pay off student loans?

We Answered:

PIGGYBACKING: Despite its' virtually
unlimited potential, piggybacking is
not used by nearly as many consumers as
it should be. It's easy, effective,
and extremely fast. Unfortunately,
it's mostly used among parents and
siblings while those who can really
benefit stay in the dark.

How it works. Almost every credit
card or credit account will allow the
primary account holder to add on (at a
later date) what's known as an
"Authorized User" or "Secondary Account
Holder". In most cases, when this is
done, the entire account history
(retroactively) gets posted to the
authorized users credit report
regardless of their current age or
credit history!

For example. If it's a credit card
with a $10,000 limit which has been
paid as agreed for the last 10 years,
then that complete history will be
posted to the authorized users' credit
report. I once saw a clients' credit
report who used this technique with his
mother. He was only 24 at the time and
he had a $15,000 Gold credit card on
his report with history going back 11
years! I laughed as I thought to
myself that this kid would have had to
be approved when he was 13 years old
for this account to be his!

As you can see, this strategy is
usually only used by parents and their
children and in most cases with no
regard to the benefits the children are
reaping credit wise! In fact, in
recent years, due to its'
effectiveness, this technique has led
individuals with excellent credit
scores to "rent out" authorized user
accounts on one or even multiple credit
cards in return for a fee! I once
recall seeing an ad in USA TODAY for
just such an opportunity. Like most
good credit loopholes, I'm sure this
methods' days are numbered much like
what may be the case with...

Terry Price is the founder of Consumer
Education Group which publishes the
Credit Secrets Bible (in print since

For more information on the CREDIT
SECRETS BIBLE you may visit:…

Antonio Said:

What is the best way to pay off student loans?

We Answered:

I would NOT recommend joining the military unless you're ready to make that type of commitment. In most cases I would say it's not worth it unless you really believe in the cause and what you're doing.

Instead I would say, get a steady job, find a little two bedroom apartment with a friend (cuts down on household expenses) and live frugally for a couple years.

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