Federal Student Loans: What You Need to Know Right Now

If you’re staring at a pile of student debt, you’re not alone. Federal student loans are the most common way to pay for college in the UK and US, and they come with rules that can feel confusing. This page pulls together the best articles that break down everything from monthly payments to forgiveness programs.

Quick Answers to Common Questions

What’s the difference between a Direct Subsidized and Direct Unsubsidized loan? In short, subsidized loans don’t charge interest while you’re in school, while unsubsidized loans start counting interest right away. Knowing which one you have helps you plan the cheapest repayment path.

How much will a $50,000 federal loan cost each month? One of our posts runs the numbers for a typical 10‑year plan, showing you the balance between payment size and total interest. It even includes a simple calculator you can use to plug in your own figures.

Tools, Tips, and Strategies

We’ve gathered step‑by‑step guides on setting up an income‑driven repayment plan, which can lower your monthly bill if you earn less than $50,000 a year. The articles also explain when it makes sense to refinance with a private lender and the risks involved.

Looking for loan forgiveness? Several pieces walk you through Public Service Loan Forgiveness (PSLF) and other programs that can wipe out remaining balances after a set number of qualifying payments. Real‑life examples show how long it really takes and what paperwork you need.

For the DIY‑minded, we’ve added a printable budget template that helps you track income, expenses, and loan payments side by side. Using this simple tool can reveal hidden savings you can redirect toward faster payoff.

Got a specific scenario? Check out the article on “How Much Is a $50,000 Student Loan Monthly Payment?” It breaks down interest rates, repayment terms, and offers three practical strategies: pay more early, switch to an extended plan, or consolidate for a lower rate.

All of the posts are written in plain English, so you won’t need a finance degree to understand them. Each guide includes bullet points, easy calculations, and a short FAQ at the end.

Whether you’re just starting college, already making payments, or thinking about refinancing, this tag page is your one‑stop shop for federal student loan knowledge. Dive into the articles, use the tools, and take control of your debt today.