Student Loan Repayment is becoming an increasing important financial decision.  This decision will impact your financial life for years.  Selecting the best method is critical since each of the eight different methods have advantages and disadvantages to its own.  Before you review your payment options you should consider doing a Direct Federal Loan Consolidation.  This is the first step in simplifying your loan repayment process.

For many of you this is a long term financial decision and select the lowest payment may not be the best option for you.  The lower payment option may actually increase your loan balance without you even knowing it.  Selecting the best loan repayment method could also impact you ability to qualify for loan forgiveness.  All of these little detail need to be understood before you make your decision.

Another important factor is how you file your taxes.  This is especially important for people planning or are married.  The way your file your taxes as a married person can have a significant impact on your options of repayment and how much you will pay per month.

The biggest advantage of these methods is the flexibility.  This flexibility can be used to your advantage so that defaulting on your student loans is avoided.

This video and presentation is an overview covering the various student loan repayment methods.  The program will cover the following topics:

  • Explain the Student Loan Repayment Methods
  • Fixed or Variable Repayments
  • Student Loan Repayment impact on Student Loan Forgiveness
  • Income Based Repayment (IBR) and Income Contigent Repayment (ICR) can increase the loan balance
  • Impact of Tax Filing Status could change your payments
  • Steps in selecting your best loan repayment option


If after reviewing this video please visit the other information on this website.  If you need professional help repaying federal student loans, please contact us.

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