Many students graduate from college with not only a degree, but with a student loan as well. If you have multiple loans, consolidation is always a good step. If you plan to attend graduate school, you can combine your new graduate loans with existing undergraduate loans and combine the payments into a more manageable schedule.

Students entering certain underrepresented professions, such as nursing and teaching, may qualify for loan forgiveness or cancellation. In addition, child care providers who applied for loans after 1998 may be able to have some of their loans forgiven.

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