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Paying for school can be a big undertaking. Understanding the difference between federal and private loans and your consolidation and repayment options can save you thousands of dollars.

Paying for school can be a big undertaking. Understanding the difference between federal and private loans and your consolidation and repayment options can save you thousands of dollars.

Some lenders who repay their loans in advance can choose two ways: one is to reduce the monthly repayment, the repayment period is unchanged, and the other is to shorten the repayment period, the monthly repayment amount remains unchanged.

U.S. loans uarlier than 2010 included direct loans (directly initiated and financed by the U.S. Department of Education) and secured loans (initiated and financed by private investors, but guaranteed by the federal government).

There are generally two types of private student loans: school channels and direct-to-consumer orientation.

In 2015 that 7 out of every 10 college graduates graduated with student loans, and the per capita loan amount has tripled in the past two decades.

In 2015 that 7 out of every 10 college graduates graduated with student loans, and the per capita loan amount has tripled in the past two decades.

The best places to get a personal loan are banks, credit unions and online lenders.

Integrating information from commercial banks and implementing entrusted payments by lenders will highlight the game between risks and returns:

More about Government Small Business Loans