| Student loan debt counseling doesn't have to cause a | | | | you didn't know you qualified for, extended |
| headache. In fact, most people are able to gain | | | | repayment plans that will take a burden off you |
| valuable peace of mind by utilizing these programs. | | | | monthly, or suggest a good debt counselor to help |
| Here are a few places to look in to. | | | | you consolidate or refinance your current student |
| One- Debt Counselors | | | | loans. |
| There are many debt counselors that specialize in | | | | If you have moved away from the college you |
| student loan debt counseling. You see commercials | | | | attended, you can call your local community college |
| for them all the time, both on television and the | | | | and make an appointment. Community colleges are |
| internet. Many of them can offer valuable resources. | | | | there to serve the communities they reside in. Even |
| A debt counselor can help you go over all your debt | | | | if they can't help you, they can point you in the right |
| and income and determine if a consolidation or | | | | direction. |
| refinance is the best option for you. A debt counselor | | | | Three- Lender |
| will also generally be able to renegotiate the terms of | | | | Believe it or not, the lender that holds your loan may |
| a loan with more ease than you would be able to | | | | be able to offer student loan debt counseling |
| trying it by yourself. Before you choose a counseling | | | | services as well. This should be your last option as |
| service be sure to check in to them. You want to be | | | | you are more likely to get something else done going |
| sure they are going to be able to help you, and not | | | | through either the college or debt specialist. However, |
| harm you financially. | | | | the lender that owns your loan would rather see you |
| Two- College or University | | | | change the terms and make payments on it than |
| A great resource in finding student loan debt | | | | default on the loan all together. Many times the |
| counseling is the college or university you attended. | | | | lender can offer programs to defer the loans, offer a |
| You don't have to be currently enrolled to make an | | | | forbearance if you are experiencing a financial |
| appointment with a financial counselor at the school. | | | | hardship, or cut the interest rate to save you money. |
| They are trained to know about all the different | | | | It doesn't always work, but it only costs you a few |
| programs available both privately and publicly. They | | | | minutes and a phone call to try. |
| may be able to point out forgiveness programs that | | | | |