Paying off my student loans

 As you graduate and set out on your journey to a world full of possibilities, you should be excited to apply your skills and newly minted degree. For many new graduates, however, that education comes with debt with repayment periods of ten years or beyond, often with monthly payments so high that they get in the way of taking the next steps towards independent adulthood like renting an apartment or starting a business.  Following are tools and resources to help you with managing your student debt:

American Student Assistance


American Student Assistance is a national non-profit based in Massachusetts whose public purpose mission is to empower students and alumni to successfully manage and repay their college loan debt.  


Urban Edge: Student Loan Borrower Repayment Counseling


Urban Edge, a nonprofit community service agency, is now piloting a unique new grant-funded counseling service to assist student loan borrowers in repayment. THERE WILL BE NO CHARGE TO BORROWERS WHO RECEIVE THIS SERVICE. Participation is limited, call Alex, 617-989-9319, at Urban Edge, to make an appointment.


In the first nine months of the program Urban Edge counselled 199 people regarding how to manage their student loans. Urban Edge's new program is personalized, free and involves one-on-one counseling. It has been very successful at helping people achieve monthly payments that they can afford, having garnishments removed and having student loan debt forgiven.

Consumer Financial Protection Bureau Repayment Guide


The Repay Student Debt Guide of the Consumer Financial Protection Bureau walks you through a step-by-step decision tree to help you know what to do regarding the repayment of your student loans.


The Repayment Estimator on will help you to forecast which federal student loan repayment plans you may be eligible for and see estimates for how much you would pay monthly and overall.

Federal Student Aid


Federal Student Aid through the U.S Department of Education provides information and special programs to assist you with the repayment of your federal student loans.

The Public Service Loan Forgiveness Program


The Public Service Loan Forgiveness Program encourages individuals to enter and continue to work full-time in public service jobs. Under this program, you may qualify for forgiveness of the remaining balance due on your eligible federal student loans after you have made 120 payments on those loans under certain repayment plans while employed full time by certain public service employers.

Student Loan Borrower Assistance Project


The Student Loan Borrower Assistance Program of the National Consumer Law Center is a resource for you if you already have student loans and want to know more about your options and rights.

Student Debt Crisis


Student Debt Crisis.Org: Hub of information for issues surrounding Student Loan Debt
Student Debt Crisis is a non-profit advocacy organization dedicated to reforming funding for higher education in America. They host lots of information on the issue of student debt.

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