Student Loan Debt

Get An Education My Son!
When we grew up, our parents pushed the mantra, “Education is the key to success.” And they were right! The problem is, education has become extremely expensive. The average student is graduating with about $21,000.00 in Student Loan Debt and with the economy in upheaval, it's getting much harder for graduates to tackle credit card debt, mortgages and auto loans, let alone student loan debt. Quite frankly, this is a burden, no other generation in history has had to deal with. In this session, we are going to take a look at student loan debt and hopefully offer some solutions to make this journey less burdensome.

When It Comes To Student Loan Debt… You’re Not Alone!
Escalating college tuitions are making student loan debt an eerie fact of life for students everywhere. The average cost of tuition for 4-year colleges has more than doubled over the past 30 years. By the time you add up the cost of tuition, plus room and board, the cost of attending a private college hovers around $29,026 per year and around $12,127 at four-year public universities. Consequently, student loan debt has reached overwhelming proportions. As we face these uncertain economic times, more individuals are feeling the pressure of the costs of education.

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Student Loan Debt Facts
The facts don’t lie; graduates are having a hard time coping with student loan debt. The percentage of Americans with outstanding student loans that say this debt is preventing them from making major purchases, such as a house or a car is increasing. Thirty percent of those polled say their student loan debt is a major burden. Once an individual becomes part of the student loan abyss, they must tread lightly. If student loan debt is not managed properly, it cannot only lead to bad credit, it can also lead to loss of eligibility for future federal aid, and the possibility of wage garnishment and the withholding of tax refunds.

I truly believe it is time for college students and graduates to rally together and establish a grassroots organization that lobbies for student loan reform. Unless that happens, the powers that be will gladly sit back and watch as the student loan debt meter continues swelling to epic proportions.

Help With Student Loan Debt
If you are having challenges with paying your student loan, there is help with nonprofit organizations such as American Student Assistance. They offer outreach and education, loan repayment counseling, budget planning, information on repayment options, and even help for borrowers who have defaulted on their loans.

If you have federal loans through the Direct Loan program, you may qualify for an income contingent repayment plan. Or, if your income isn't sufficient to repay a federal loan, you can apply for an economic hardship deferment or forbearance, which would suspend or reduce your monthly payments. Just bear in mind that the interest will continue to multiply on student loans that are not federally subsidized. The important thing is to act now! Don’t wait until action is taken against you. To determine if you qualify for any these programs, check out the website Finaid.org.

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Get Out of Debt With Student Loan Forgiveness Programs
If you haven’t heard of any of the various student loan forgiveness programs to help you Get Out of Debt, stop what you’re doing and read this article...

William Phillips brings a degree in economics and an unwavering passion to help fellow Americans come from under the clutches of debt. He believes that with the right debt advice or debt counseling, anyone can recover from the stresses of being overwhelmed with credit card bills and other debts.

For more information on this topic or any other issue related to getting out of debt, living debt free, debt management, debt relief, the Fair Debt Collection Practices Act and stopping debt collectors in their tracks, please visit www.DebtErasure.com

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