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by Seth Greene
Paying for college shouldn’t mean drowning in debt. Each week on How to Find Money for College, host Seth Greene breaks down real, actionable strategies to make higher education more affordable — from scholarships and grants to little-known financial aid tips and hidden opportunities. If you are the parent of a college bound high school student, or a student yourself, this podcast is your go-to guide for uncovering the funding options you didn’t know existed.
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In this episode of "How to Find Money for College," we delve into a crucial yet often overlooked topic: the impact of credit scores on student loans. Understanding how credit affects your borrowing power can be a game-changer for both students and parents navigating the complex world of college financing. We'll break down essential financial aid tips, providing insights on how to improve your credit score and uncovering hidden opportunities for money for college. You’ll learn about effective college financing strategies, from maximizing eligibility for the best scholarships for students to exploring grant opportunities. Whether you're a high school student preparing for college or a parent seeking to alleviate student debt, this episode equips you with actionable knowledge for college cost reduction and better financial literacy. Join us to ensure that paying for college doesn’t mean drowning in debt. Tune in for the essential information you need to secure your educational future!
In this episode of "How to Find Money for College," we dive into the innovative world of Income-Share Agreements (ISAs), a groundbreaking model for student financing that can transform how you think about paying for college. Discover how ISAs allow students to fund their education without the burden of traditional loans, enabling a unique repayment system based on future income. We’ll uncover the benefits of this approach, discuss potential drawbacks, and share essential financial aid tips to help you make informed decisions. Whether you're a high school student or a parent seeking the best college financing strategies, this episode is packed with practical advice on reducing college costs and maximizing funding opportunities. Tune in to explore hidden financial aid options that could unlock a debt-free path to affordable higher education. Don’t miss out on learning how to achieve your educational dreams without the stress of student debt!
In this episode of "How to Find Money for College," we dive deep into the world of hidden scholarships, revealing the unexpected sources of funding that can significantly ease the burden of paying for college. If you’re a student or a parent of a college-bound student, this episode is packed with invaluable financial aid tips and college financing strategies that you won’t want to miss. From niche organizations to community-based grants, we explore diverse college cost reduction options that can help you uncover the best scholarships for students waiting to be claimed. You'll leave with practical insights and actionable steps to boost your financial literacy for students navigating the complexities of college funding. Join us to transform your approach to finding money for college and learn how to pay for college without drowning in debt!
New Payment Plan for Student Loan Under the One Big Beautiful Bill Act, a new Standard Repayment Plan became one of the two primary repayment options for new federal Direct Loans first disbursed on or after July 1, 2026. The other option is the new Repayment Assistance Plan (RAP), which is income-based. Here is how the new Standard Repayment Plan works: Total Federal Loan Balance Repayment Term Less than $25,000 10 years $25,000–$49,999 15 years $50,000–$99,999 20 years $100,000 or more 25 years The payments are: • Fixed (they do not change overtime) • Designed to fully repay the loan by the end of the repayment period • Generally, have a minimum payment of $50 per month unless the remaining balance is smaller. Example Monthly Payments These are rough estimates, assuming a 6.5% interest rate: Loan Amount Repayment Term Approximate Monthly Payment $20,000 10 years $227 $35,000 15 years $305 $60,000 20 years $447 $120,000 25 years $810 The actual payment will depend on your interest rate and total loan balance. Who Uses the New Standard Plan? The new Standard Plan generally applies to: • Students who take out their first federal Direct Loan on or after July 1, 2026 • Borrowers who do not choose RAP when entering repayment are generally placed into the Standard Plan by default. Existing Borrowers If your federal loans were made before July 1, 2026, you are treated differently. You may be able to remain in certain existing repayment plans for a transition period and eventually choose among the available options for your loans, depending on your loan type and eligibility. The phase-out of older plans occurs over time rather than immediately. Important point to emphasize for families: • Before July 1, 2026: borrowers had numerous repayment plans (Standard, Graduated, Extended, SAVE, PAYE, ICR, IBR, etc.). • After July 1, 2026 (for new borrowers): the choices are greatly simplified to two plans: 1. Tiered Standard Repayment Plan (fixed payments over 10–25 years) 2. Repayment Assistance Plan (RAP) (income-based) This simplification is one of the most significant student loan changes in decades and is likely to affect how families think about borrowing for college.
In this episode of "How to Find Money for College," we delve into the importance of preparing financially for higher education starting in middle school. Join us as we explore practical college financing strategies that can alleviate the burden of student debt. Discover effective tips for saving for college early, and learn about the best scholarships for students that can significantly reduce college costs. We'll also discuss vital financial aid tips and hidden financial aid opportunities that many families overlook. Whether you're a middle school student or a parent aiming to secure a bright academic future for your child, this episode offers essential insights into how to pay for college without breaking the bank. Tune in to ensure that you’re well-equipped for the journey ahead and ready to navigate the complex world of college funding options.
In this episode of "How to Find Money For College," we dive into the essential truth about work-study programs and how they can help balance your academic and financial goals. Discover how these programs not only provide valuable experience but also some much-needed funds, making college more affordable. We’ll discuss practical financial aid tips and share insider insights on navigating the complexities of work-study options, including how to secure the best scholarships while managing a job. Whether you’re a high school student preparing for college or a parent seeking the best strategies for college cost reduction, this episode equips you with the tools and knowledge necessary to tackle student debt head-on. Tune in for expert advice on how to pay for college without compromising your academic success, and unlock hidden financial aid opportunities to maximize your funding options. Don’t miss this chance to learn how work-study might be the answer you’ve been searching for!
In this eye-opening episode of "How to Find Money For College," we delve into the often confusing world of college financial aid offers. Join us as we break down what to look for—like concealed costs and essential funding opportunities—and what to avoid, ensuring you don’t fall into common pitfalls. Whether you're a high school student making plans for your future or a parent navigating the complexities of college financing, this episode is packed with invaluable financial aid tips. Discover strategies to maximize your college scholarships, uncover hidden financial aid sources, and learn effective college cost reduction techniques. Tune in to gain the knowledge you need to secure the best funding options available, empowering you to make informed decisions on how to pay for college without falling into student debt. Don't miss out on this essential guide to navigating financial aid offers!
In this eye-opening episode of "How to Find Money for College," we dive into the often-overlooked hidden costs of college that your financial aid package may not reveal. Join us as we shed light on essential financial aid tips and college financing strategies that can significantly impact your wallet and peace of mind. Discover how to understand and navigate the complexities of college costs beyond tuition—think textbooks, supplies, and living expenses. We’ll explore crucial insights into grant opportunities and the best scholarships for students, empowering you to take actionable steps toward saving for college. Whether you’re a student or a parent of a college-bound teenager, this episode is packed with valuable information to help you make higher education more affordable and sustainable. Tune in to learn how to pay for college without drowning in debt.
Paying for college shouldn’t mean drowning in debt. Each week on How to Find Money for College, host Seth Greene breaks down real, actionable strategies to make higher education more affordable — from scholarships and grants to little-known financial aid tips and hidden opportunities. If you are the parent of a college bound high school student, or a student yourself, this podcast is your go-to guide for uncovering the funding options you didn’t know existed.
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