Consolidate Students

Sometimes life can put a dent in your budget, making it harder to pay your everyday living expenses and monthly bills. When faced with the loss of a job, going back to school or sudden unexpected expenses like medical bills or car-repair costs, even the most responsible borrowers can find themselves struggling to make their student loan payments.

How you handle your finances while you’re in college and graduate school can have repercussions for years after you graduate. Every time you go over your limit on a credit card, apply for a new credit card, or miss a payment—whether it’s on your card, on your car, or on your student loan—it can count against your credit score. And a credit score can drop a lot faster than it’ll go back up: It can take years to repair damaged credit and a low credit score. Bad credit can keep you from being approved for a car or home loan, it can make a landlord choose not to rent to you, and it can even affect whether a potential employer decides whether or not to hire you.

Here at NextStudent, we know that the world of student loans and college financing can be overwhelming and confusing, especially when all the financial aid literature throws around terms like “consolidation” and “subsidized,” and alphabet soups like FWS, EFC, PLUS and FAFSA. We always want our customers to feel comfortable with their education financing decisions, and we believe you should be informed about all your financial aid options. So to help you decipher your financial aid award letters and understand your school financing options, NextStudent, a leading Phoenix-based education funding company, offers this quick guide to the different types of financial aid.

Whether you’re a recent graduate with grace periods about to end, or a new student or parent of a new student just taking out your first student loan, you may have questions about repayment—what your options are, how long you have to repay, what happens if you have trouble making your payments.

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Graduate and professional degree students looking for ways to finance their graduate studies could get some of the financial aid they need with Federal Stafford Loans from NextStudent, a leading Phoenix-based education funding company.

Whether they still have time before their school’s fall financial aid deadline or they’re looking ahead to their tuition bills for the spring semester coming up, undergraduates searching for ways to meet their college expenses themselves could find some of the financing help they need with Federal Stafford Loans from NextStudent, a leading Phoenix-based education funding company.

As the fall semester gets underway, graduate students may be struggling with meeting their tuition bills, program fees and other education-related expenses. Even after grants and Stafford loans, some graduate and professional students may still be left with educational expenses to cover. For those students who need some help meeting the costs of their graduate or professional degree program, Federal Grad PLUS Loans from NextStudent, a leading Phoenix-based education funding company, could provide the financing they need.

With the school year about to begin, parents reviewing their college-aged children’s financial aid award letters may find they’re having trouble meeting their expected family contribution. For situations like these, when parents need some help meeting their undergraduate’s educational expenses, a PLUS loan could provide the financing they need, says NextStudent, a leading Phoenix-based education funding company.

At this time of year, parents and students alike are usually finalizing their budgets and financial plans for the upcoming school year. As parents and students review financial aid award packages, they may be finding that even after taking into account grants, scholarships, work-study, and state and federal student loans, there are still some educational expenses left to cover. For those remaining educational expenses, a private student loan might be the answer, according to NextStudent, a leading Phoenix-based education company.