There are a lot of meanings, regulations, and terms that go into it, and when you don’t know where to begin, it can feel overwhelming. That’s why we’re here!

If you’re asking yourself “what are student loans?”, allow us to explain.


The term “student loan” encompasses a variety of options available to help pay for college. It is a form of financial aid, and is offered by the federal government as a type of federal financial aid. Many private businesses and organizations also offer private student loans to students looking for help paying for college. Student loans are a great resource to bridge the gap between what your financial aid will cover and your school’s total cost of attendance.


The process for qualifying for and obtaining a private student loan can vary between lenders, but in general, you’ll need the following:

  • Demonstrated credit history (or a cosigner with strong credit to help you qualify)
  • Proof of income (income requirements can vary depending on the lender and loan amount)

Check out our articles below to learn more about what you’ll need to apply for a student loan.


We partner with the top private student loan lenders to provide relevant, trustworthy information on finding money for college. Here, you’ll find tools and advice on finding the best student loans, plus:

  • Sallie Mae student loans
  • Discover student loans


Taking out a student loan is only part of the process! After graduation is when the real work begins. Most student loans give you a grace period of a few months after you graduate college to begin repaying your loan(s), and at this point, you enter the repayment stage. We break down everything you need to know about making this transition, and what options are available to you if you’re concerned about repaying your loan(s).

We’ve got everything you need to learn about the different types of student loans, what your options are, and more to help you get from application to repayment! Get started below.

How to Avoid the Scams About Student Loan Forgiveness | Student FinTech

How to Avoid Student Loan Forgiveness Scams

Once you’ve been out of school for a while, it’s not uncommon to get mail or emails indicating that you can have some – or even all – of your student loan forgiven. While it sounds great (who wouldn’t want that?), unfortunately, it’s usually part of a scam. Student loan forgiveness scams aren’t typically sent

How can I get student loan forgiveness? | Student FinTech

How do you get your student loans forgiven?

There have already been a number of student loan forgiveness programs in place that allow some people who work in certain fields to have their student loans forgiven. This does not mean, however, that you can have all of your student loan(s) forgiven, and not everyone qualifies for this program. This program was previously put

Can you get in legal trouble for not paying back a student loan? | Student FinTech

What happens if you don’t pay your student loans?

You can get into some legal problems and financial issues if you do not pay back your student loan. Of course, circumstances always come into play. The law and judges do consider your unique situation before they make a judgment on such matters. Here are some of the possible outcomes if you don’t pay your

What Are the Risks of a Federal Student Loan? | Student FinTech

What to Know About Federal Student Loans

We talked a lot about federal student loans vs. private student loans. Private loans are backed by banks and individual institutions. These private lenders decide what the terms of their loans are. Federal loans are loans funded by the federal government. There is less flexibility regarding payments. This is because they use a specific scale

Should I Take out a Private Student Loan? What to Know Beforehand | Student FinTech

Should I Take out a Private Student Loan? What to Know Beforehand

Private student loans are offered by private institutions, banks, and lending institutions. If you’re considering taking out a private student loan, here’s what you should know beforehand. Private loan companies do not have the backing of the federal government. They are independent entities and they require that you illustrate to them that you have some

How to Find the Best Student Loan for Graduate Students | Student FinTech

How to Find the Best Student Loans for Graduate School

If you or your child has attended a four-year degree program and you choose to continue your education beyond this, there are many ways you can find student loans for graduate school. Forbes Magazine recommends the following types of financial aid for students seeking to further their education through graduate programs. Stafford Loans Stafford loans are federal

Why College Can't Be Free but You Can Earn It | Student FinTech

Why College Can’t Be Free – but You Can Earn It

No matter what you hear from socialist Presidential candidate hopefuls, nothing in life is free. There is even a price for freedom. It’s called “responsibility.” Anyone who tells you everything can be free is not being truthful. What they mean is that you may not have to pay for something, but the bill goes to

The Future of Student Loans: Did Someone Say Amazon? | Student FinTech

The Future of Student Loans: Did Someone Say Amazon?

Ever since FinTech took center stage in the financial world as well as the tech world, more tech companies have been helping banks to be more “mobile-friendly,” and helping banking websites set up online and mobile banking for their customers. Let’s face it: as a general rule, bankers are just not that tech-savvy. They have

How to Pay Off Student Loans Faster | Student FinTech

How to Pay Off Student Loans Faster

Going to college is an exciting time. Dreams of starting school in a new town or even your own hometown can be one of the best times of your life. But the reality is, college is expensive, and most students need some kind of financial aid in order to attend college. With the rising costs

When to Pick Private Student Loans | Student FinTech

When to Pick Private Student Loans

In the past, it has been thought that federal student loans were the best and only way to go. (Read more about the differences between federal and private student loans here.) Interest rates and other aspects that you have come to know were almost always defined by federal regulations. However, when you take a step