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Student loans

If you have student loans please listen to these 2 podcasts. You will find useful information about many options you have to include how to restructure those students loans, best repayment options, about rehabilitation, consolidation and even about loan forgiveness and much much more!!.

1) Podcast #258 11/10 1hr from Radical Personal Finance
Do you have student loans? Here's what you need to do!

2) Podcast #214 06/30 1hr. 30min.
Radical Strategies for Dealing with Student Loans: Interview With Jay Fleischman, Attorney and Host of The Student Loan Show

3) If you have student loans problems and need help, get a 30min. appointment with student loan attorney Jay Fleischman to review all your options and get answers to all your questions at http://www.consumerhelpcentral.com/appointment/ 

I don't like student loans.... I think you should avoid them at all cost by getting grants and scholarship and by going to state schools, working part time and/or going to school part time. But if you already have student loans ... the best thing you can do is refinance..  here is one place to go:
 SoFi: Student Loan Consolidation and Refinancing Sofi is a leader in marketplace lending and the largest provider of student loan refinancing. 

  There is a new tool that helps you compare repayment options called Federal Student Aide repayment estimator. Use the Repayment Estimator when you're:
  • beginning repayment of your federal student loans for the first time; or
  • exploring repayment options based on your income
Other tools you may use:
1) IBRinfo: an independent, non-profit source of information about new federal student loan payment and forgiveness programs
Student Loan Hero Calculators and tools to pay off student loans. Refinance and consolidate student loans, learn about income based repayment, public service student loan.

Tip: Do not refinance federal student loans because they have a lot of flexibility on the payback schedule like loan forgiveness, loose job-no payment, help with pay cut, pay as you earn. Exception: if you are a high income earner you will not get this flexibility.. if you know you can pay and have high income use private loans to refinance. If your employment is not stable or you are not making enough money then it is better to stay with the federal loans. Do not refinance in this case.