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Whoever said that education is the key to unlock the golden door to freedom had never heard of Student Loans! Most students, by the time they graduate, will have multiple loans to repay and each of these loans come with a different interest rate. Whether they are federal student loans, private student loans or a combination of both, the loan repayment is expected to start within 6 months of graduation and they are dark shadows that loom over the student’s future until the loan amounts are totally repaid. For most graduates, if they are prudent in their spending and careful about the loan repayment dates, the loan repayment period can be anywhere between 15 to 20 years; it may even extend to longer than that if the student has opted for either a deferred plan or a plan with smaller monthly repayments.

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