Lenders have many ways to help a student repay. These terms are specified in a promissory note, a legal document that binds you to make regular payments. GRACE PERIOD A period of time--usually lasting six months after you leave college--when many student loans don't require repayment. And second, the option ARM that allows you to pay even less than the interest due (any unpaid amounts are added to your loan, so your debt rises over time). To get some idea of how much is too much, you need to plan ahead and understand what your options will be when it comes time for repayment. Then you compare those expenses to your estimated salary. Worst of all, a defaulted student loan can haunt you later, because it will be recorded as part of your credit.
Student loan consolidation
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Student loan consolidation
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