College Life

How to Refinance Student Loans to Better Suit Your Needs

How to Refinance Student Loans to Better Suit Your Needs

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We have some GOOD news. Achieva Credit Union has partnered with LendKey to make repaying your student loan debt a lot easier! Not only can you refinance student loans to better terms, but you could save money in the process. Take control of your finances. Find out more below. When should you refinance your student loans? You'll want to refinance student loans after establishing a steady income. You should review your budget to ensure that you can consistently pay. Additionally, you should refinance if you've had a change in income. You'll be able to adjust your loan to better suit...
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7 Useful College Planning Tips and Resources

7 Useful College Planning Tips and Resources

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College provides many opportunities. With a degree, graduates can obtain higher pay and better job positions. While the benefits sound nice, the transition into campus life takes preparation. Even if you're still in high school, it's never too early to start. Below are 7 essential college planning tips for your journey.  1. Understand how to pay for college The most discussed topic regarding college revolves around paying for it. Additionally, tuition fees rise every year. Paying for college usually happens by financing with subsidized and unsubsidized loans. Private student loans are often not subsidized and have no prepayment penalties. Additionally, they...
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How to Apply for Federal Student Aid

How to Apply for Federal Student Aid

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As the current job market transitions from in-person to remote, many are called to learn new skills. Colleges have noticed a shift in preference and an uprise of interest in computer-related degrees. Since the average Associate's for Information Technology costs $18,000 a year, federal student aid applications seem almost standard. What types of student loans are there? And what should you know before you apply? Find out the answers, as well as helpful tips for first-timers below. How old do you have to be to apply for federal student aid? To apply as an independent student, the applicant must be...
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How to Help Your High School Graduate Manage Money

How to Help Your High School Graduate Manage Money

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The act of budgeting seems for the well-established; however, on the contrary, proper wealth development starts before adulthood. Regardless of where your household is the financial timeline, there are ways to help your high school graduate manage money. If your student recently received their diploma, be sure to review our fiscal planning tips below. Financial advice for high school students Preparing for a stable financial future includes creating a solid savings plan. To help your high school graduate manage money, instill the importance of setting aside between 5-10% of their earnings. The practice will give them a benchmark for later accomplishments. ...
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Taking advantage of student loan forbearance

Taking Advantage of Student Loan Forbearance

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On March 27, 2020, the president signed the CARES Act into law. As a result, loan holders provided student loan forbearance for millions of accounts. Ordinarily, a forbearance suspends monthly payments yet still accumulates interest. Under the CARES Act, interest on student loans will not accrue. The setup grants financial relief for students across the entire United States. While the CARES Act helps tremendously, there are other tactics you can use to manage your student loan. Knowing all of your options, and creating a plan, will help you get ahead. How to pay off a student loan quickly First and...
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Dorm Room Hacks That'll Improve Your Study Skills

Improve Study Skills Within Your Dorm

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The first semester is up and running. The academic year moves full speed ahead, yet preparing for tests remains a challenge. Can you improve study skills by changing your dorm room? The next time you review classroom material, give these hacks a try. They are simple and fit right into the typical college budget. 1. Use the right lighting to improve study skills. Using natural light is great way to improve your study skills, so start with a room that is well lit. Open up the blinds and position your desk next to the window. Keep things bright but remember...
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5 College Side Hustles to Make Extra Money

5 College Side Hustles to Make Extra Money

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Students, these days, have a lot of options in regards to making extra money. There are so many choices of different college side hustles, some of which even have support from smartphone apps. With so much availability, which methods do you choose? And, how can you take it to the next level? Continue reading to find out more. Going from college side hustles to running small businesses Believe it or not, many students have evolved their craft of persuing college side hustles. For some freelancing students, what may have started as an amateur assistant gig quickly changed into a multi-level...
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How to Crush Your College Dorm Supply List Goals

How to Crush Your College Dorm Supply List Goals

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Does your college dorm supply list look 100 miles long? What should you take to school anyways? If you're preparing for another year of academia, then have no fear. We have the simple solutions that you need. Creating a college dorm supply list Not only are students moving into their dorms challenged with homesickness, but they also have to self-manage their resources. Who knew that creating a college dorm supply list would be this complicated? Additionally, even if a student knows what they need to have, they might not be able to pay for it. Most students will need to...
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