How should I handle student loans when leaving University and trying to buy a house?

I am currently in my last year of university and I am trying to figure out when I should buy a house. A couple of quick points: Senior in univeristy (graduate May, 2014) Already accepted an offer for $70k/year Total student loans will be ~$52k Student loans are my only debt Monthly loan payment is […] Read more
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Is there a most efficient way to pay off multiple loans with the same interest rate?

My Situation: About $36k USD in graduate student loans. There are 4 different federal loans in play, each with a fixed rate of 6.8%. $12k w/ ~$1.2k in unpaid interest $10k w/ ~$1k in unpaid interest $8k w/ no unpaid interest (all principal) $6k w/ no unpaid interest (all principal) All loans are in repayment. […] Read more
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Should I just pay off my car and student loans?

Here are the loan details : Car Loan : 2.8% APR with a balance of $11,300 Student Loan : 3.0% APR with a balance of $7,300 I have enough cash to pay off both loans today. Should I pull the trigger on that? I already have a 12 months emergency fund (the fund above is […] Read more
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Should I pay off my 50K of student loans as quickly as possible, or steadily? Why?

I was an idiot in college. I basically just used student loans and got very few grants. I also spent way too much time in there. I now have two bachelor’s degrees and a master’s degree. About 7 years of my life wasted and about 50K dollars in student loans. Extremely stupid waste of money. […] Read more
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Intro to Investment options for a Canadian

I’m a 22 year old Canadian living in Canada. I am about to finish school, paid off my student loan, and I have a good paying job, apart from rent and food (no car or house), I don’t have much need for money. However, I still want to be smart with the money in my […] Read more
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Raising My Credit Score as a Student

I’m still a student, and I: 1) Have been lucky enough to get a scholarship through my schooling and do not have student loans. 2) I currently live in a city without the need for a car (and actually, having one would be inconvenient for me personally, since parking is hard). 3) Do have a […] Read more
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How can I adjust tax withholding so that I don't get a large Tax Refund?

I’m a few years out of college now. I’ve filled out my W4 accurately and I still get a tax refund every year of a pretty sizable sum. The thing is, I have student loans and I would much rather have been paying that extra money on a monthly basis (to prevent interest charges) than […] Read more
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Financing Education through Credit Card or Student Loans

I’m currently back in school, full-time, for an MBA (20 month program). I don’t need to worry about tuition, but I still need to pay for living expenses out of pocket. Should I rely on student loans, or a 0% credit card? Student Loans – I can get $10,000/semester in loans from the US Government, […] Read more
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Does it make sense to take out student loans to start an IRA?

Let’s say you’re an undergraduate student, and you’re eligible to take out more money than you need to pay for school expenses (at a fixed interest rate of 4.66%). Due to compounding, it’s always best to start investing for retirement as early as possible. Does it make sense to take out the maximum allowed, dump […] Read more
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Why might it be advisable to keep student debt vs. paying it off quickly?

As of a couple weeks ago, I paid off all of my student debt. Hooray… But I have a friend named A who has a friend named B who is a financial advisor (a young so therefore perhaps ignorantly malicious one). B has convinced A that he should take a very long time to pay […] Read more
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