Parent PLUS loans let parents borrow federal money for a dependent child’s college costs, but they carry higher rates and fees, new borrowing caps, and limited repayment options. Learn how they work and how to borrow responsibly.
Refinancing student loans can lower your interest rate or monthly payment, but refinancing federal loans permanently gives up valuable federal protections. Learn how refinancing works, who qualifies, and how to decide.
Federal student loan repayment is changing under the 2025 budget reconciliation law, which created the Repayment Assistance Plan and phases out several older plans. Learn how income-driven repayment works, who must switch, and how to pick a plan.
Federal and private student loans both pay for college, but they differ sharply on interest rates, credit checks, repayment flexibility, and forgiveness. Learn how to compare them and the order in which most families should borrow.