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»ç´Ù¸®Á¦ÀÛ You may need to apply for a student loan ¾ÆÀ̽ºÀÛ´ë±â sometime. The time could be now or some time «¤«ó«¹«¿ «Õ«©«í«ïー in the future. Regardless of when, finding out all you can will help you in getting what you need. What follows is a compilation of tips to help you learn about ÆòÅÃÁøÀ§ ½º¸¶Æ®¾î¹Ý student loans.Always know the pertinent details of your loans. You need to be mindful of your balance levels, your current lenders and your repayment status of each loan. These details all affect loan forgiveness and repayment options. Budgeting is only possible with this knowledge. Be sure you know about the grace period of your loan. Each loan has a different grace period. It is impossible to know when you need to make your first payment without looking over your paperwork or ½ºÆ÷Ã÷ Áß°è speaking with your lender. Be sure to be aware of this information so you do not miss a payment. Do Á¦ÁÖÃâÀå¾È¸¶ not default on ÅäÅä»çÀÌÆ® a student loan. Defaulting on government loans can result in consequences like garnished »óµµ Ǫ¸£Áö¿À Ŭ¶óº£´º ¸ðµ¨ÇϿ콺 wages and äÆà tax refunds withheld. Defaulting on private loans can be a disaster for any cosigners you had. Of course, defaulting on any loan risks serious damage to your credit report, which costs you even more later. You should shop around before deciding on a student loan company because it can end up »óµµ Ǫ¸£Áö¿À saving you a lot of money in the end. The school you attend may try to sway you to choose a particular one. It is best to do your research to make sure that they are giving you the best advice. Monthly student loans can seen intimidating for people on tight budgets already. A good loan rewards program can make it all more manageable. Look into something called SmarterBucks or LoanLink ȨŸÀÌ and see what you think. These are similar to cash back programs in which you earn rewards for each dollar you spend, and you can apply those rewards toward your loan. To get the most out of your student loans, pursue as many scholarship offers as possible in your subject area. The more debt-free money you have at your disposal, ÅäÅä»çÀÌÆ® the less you have to take out and pay back. This means that you graduate with less of a burden financially. The unsubsidized Stafford loan is a good option in student loans. Anyone with any level of income can get one. The interest is not paid ´Ù³¶ ¹ã¹®È­ for your during your education; however, you will have 6 months grace period ¿£Æ®¸® ÆÄ¿ö º¼ after graduation before you have to start making payments. This kind of loan offers standard federal protections for borrowers. The fixed interest rate is not greater than 6.8%. To get the most out of your student loan dollars, make sure that you do your clothes shopping in more reasonable stores. If you always shop at department stores and pay full price, you will have less Æ÷õ±Û·¥ÇÎ money to contribute to your educational expenses, making your loan principal larger and your ½ºÆ÷Ã÷Áß°è repayment even more expensive. It is important that you pay close attention to all of the information that is provided on student loan applications. Overlooking something can cause errors and/or