Student loans · Updated October 13, 2026
Read the whole student loan picture
Student borrowing deserves more than a quick look at a monthly payment. Understand the loan type and the conditions that will apply during school and repayment.
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Start with the details
Identify whether each option is federal or private and use the appropriate official resources.
Record current rates, fees, term, repayment timing, and any co-signer requirements.
Ask about changing circumstances and any protections or conditions before you apply.
Questions worth asking
- What will be owed after school, and when do payments start?
- Who will service the loan?
- What changes if I refinance or replace an existing loan?
A detail to keep in mind
Replacing a federal loan with a private loan can change available federal protections and benefits. Review current details before making an irreversible decision; this site does not recommend a loan for your situation.
Continue with an official resource
For current information and the next steps that apply to your situation, visit CFPB: Student loan resources. These resources are educational links, not endorsements or guarantees.