Post By: Dana Sunderlin
There are a number of ways that students can go about trying to pay for college, including applying for scholarships and financial aid. However, when more money is still needed, many students turn to student loans. In fact, it’s not unusual for a college student to graduate owing up to $150,000 in personal student loans.
Once a student graduates from college, it is important for them to start responsibly managing all of the loans that they acquired over the past four or more years. The biggest complication in doing this is that with an increased cost of living and numerous taxes, many people do not have enough money to pay off their student loans, in addition to important future savings, such as saving for retirement. If this situation occurs, you ultimately have three options that you can make. First, you could pay off your student loans now and save for other things, such as retirement, later on. Second, you could start investing in your future now, and make only the minimum payments allowed on your student loans, meaning that they would cost even more in the long run. Or finally, you could find a balance of being able to pay off your student loans in a timely fashion, but also be able to save some money for your future plans.
For many, the best decision would be the third choice, to find a combination of paying for both. However, the ability to do this depends on your amount of capital available and other needs you may have for it at the time. The correct answer is to really just sort through your priorities and calculate what the difference between the three choices would be for your current situation, and then do what is the best financial decision for you!
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