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Student Loans blog
College, Apprenticeship or Trade School, How to Compare Your OptionsThree roads lead to good work for different people. A table compares four paths on time, cost, pay while learning and licensing, and says who each one suits.Accreditation, the Gatekeeper Nobody Elected That Decides Who Gets Federal MoneyColleges need an approved accreditor to enroll students on federal aid. How a private gate became a federal one, the critique, and the reforms on the table.A Worksheet for the True Cost of a College Degree Before You Sign AnythingSticker price, net price and full cost are three different numbers. A worksheet with the loan formula, a worked example and a trade-path comparison.Loan Forgiveness, the Strongest Case for It and Why It Still FailsThe best argument for cancelling student debt, answered point by point: Article I, the HEROES Act, Biden v. Nebraska, fairness and price.Does Federal Aid Raise Tuition? The Bennett Hypothesis TestedA 1987 theory says easy federal aid lets colleges raise prices. Here is the mechanism, the best objections, and an honest verdict on what the research supports.How a Federal Student Loan Works and Why the Balance Keeps GrowingInterest, capitalization, fees, repayment plans and bankruptcy rules explained with a worked example, plus the history from Sallie Mae to Direct Loans.