Your child gets into a college they love. Then you open the financial aid offer and realize how much the family would still need to borrow.
Before accepting those loans, decide what you can contribute while keeping up with essential bills and retirement savings. Leave emergency money available. Your child needs a clear budget, including how much debt each of you could reasonably repay, before the family commits to the school.
For U.S. families considering loans for the 2026–27 academic year, that conversation also needs to account for new Parent PLUS borrowing limits and repayment restrictions.
Continue reading Managing College Debt: Student Loans and Retirement Goals →
For many students across the country, taking out a student loan is the only way they can afford to get the education they want and need.
While other options, like scholarships or financial aid, are available for students meeting the criteria for others whose parents can help them or can’t cover the entire four-year tuition, student loans can bridge the gap and are a necessary evil.
However, not all student loans are the same. Understanding the financial agreement you’re signing up for and knowing how to find the best student loans can empower you, giving you the control to avoid some of the common pitfalls of student loans and make more informed decisions. So here goes.
Continue reading Tips for Finding the Best Student Loan →
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