Category: Student Loans
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How to Pay Student Loans While Investing: A Quantitative Framework
This article provides a data-driven framework for deciding between student loan repayment and investing, quantifying the trade-offs using expected returns, interest rates, tax advantages, and risk, and outlines actionable strategies to do both simultaneously.
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Financial Aid Basics: FAFSA, Grants, Scholarships, and Loans Defined
This article explains the four main categories of financial aid for U.S. postsecondary education: the FAFSA application, need-based grants, merit and need scholarships, and federal student loans. It defines each term, states eligibility criteria, quantifies typical amounts and interest rates, and flags key edge cases and limitations.
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Case Study: Quantitative Evaluation of Income Driven Repayment Combined with Private Refinancing
The article walks through a detailed numerical example that compares staying in an income driven repayment (IDR) plan versus refinancing a portion of the debt after several years. By exposing the calculations that drive cash flow, total cost, and forgiveness risk, readers can decide when a hybrid approach is financially optimal.
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Comparing Standard Repayment, Income Driven Plans and Refinancing for Student Loans
This article quantifies the cash flow and total cost implications of standard repayment, income driven plans and private refinancing, showing how assumptions about income growth, interest rates and tax treatment affect the optimal strategy.