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Heres what she wishes shed knownbefore signing those promissory notes.
Those prerequisite classes count the same either way why pay premium prices for them?
I had no idea how interest capitalization worked or thatmy graduate PLUS loanshad a 7.54% interest rate.
I should have spent more time understanding the real cost of these loans.
Now, I realizeeven a part-time campus jobcould have helped reduce my loan burden.
Plus, work experience looks great on a resume something I really needed after graduation.
I wish Id known about all these smaller, niche scholarships.
Theres literally money out there forleft-handed students or peoplewho love peanut butter Im not kidding!
I could have saved myself so much stress if Id understood these options from the start.
Now my payments are actually manageable.
New apartment, new new!
car, new wardrobe, all while my loans were in grace period.
I should have kept living with roommates and drivingmy old carfor a few more years to build up savings.
But theyre serious financial commitments that deserve serious consideration.
Dont just sign up for the maximum amount because you’re able to.
She added, And hey, hey use the loan calculators!
I wish Id calculatedmy future monthly paymentsbefore borrowing.
Shes currently exploring all her repayment options, including the Public Service Loan Forgiveness (PSLF) program.
I wish Id known earlier that not all federal loans and not all employers qualify.
Im really into this right now if you cant tell, ha ha.
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