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Whether you just graduated, are taking a break from school, or have already started repaying your student loans, these tips will help you keep your student loan debt under control.

That means avoiding fees and extra interest costs, keeping your payments affordable, and protecting your credit rating.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice.

We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances.

If some of your loans aren't listed, they're probably private (non-federal) loans.

For those, try to find a recent billing statement and/or the original paperwork that you signed.

They cannot call you directly if they know you are being represented by an attorney, and they cannot call you at work if they know your employer prohibits such calls.

My collection agency does everything it is not supposed to do. Yes, you can sue a collection agency, but a better first step might be to use the provisions of the FDCP to warn your collection agency that it is acting in defiance of the law.

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If the end goal is any further out than that, people tend to lose their focus.It's six months for federal Stafford loans (sometimes called Subsidized and Unsubsidized loans), but nine months for federal Perkins loans.For federal PLUS loans, you probably have access to a six-month deferment (see details here and here). Stay in Touch with Your Lender: Whenever you move or change your phone number or email address, tell your lender right away.Debt consolidation loans aren't right for everyone.It's important to check all of the other options available and make sure you're making the right choice.

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