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If you are sick of juggling multiple student loan bills, think you are paying too much on interest, want to fix the rate on your variable rate student loans, or simply want to lower your monthly payments, refinancing your education loans may be well-worth exploring.  

Identity theft, sometimes called identity fraud, is extremely serious. Yet, reports say it happens to Americans every two seconds.  So, what is identity theft and is there anything you can do to lower your risk? Here are some tips you can use to protect yourself.

Setting off for college gives you a fresh start and renewed energy. You'll have the opportunity to get involved in a new social scene, begin living independently, and have the chance to establish your personality as a young adult. In the midst of this exciting time, it's important to remember that the main purpose of your college career is to lay the framework for your future. This framework goes beyond academics and career planning. By living independently, you now will have the responsibility of managing your finances.

You've probably heard stories of high school seniors slacking off after college admissions applications have been submitted. They believe the tough work has been done and it is time to wait for acceptances and take it easy until college starts. But contrary to this belief, seniors year is critically important. Colleges and universities are looking for evidence that students continue on an upward trajectory grade-wise, take on enriching extracurricular activities, and close out high school with an emphatic exclamation point.

College and university admissions committees are looking for evidence that students can make the grade, so to speak, and represent their institutions in the best light. That's why they consider four main pieces of information when coming to that decision: Your high school grade point average, your SAT/ACT scores, your college essay, and your letters of recommendation.

Ah, college...there is nothing quite like the excitement of going out on your own to a place with endless possibilities for reinventing yourself, learning, and constructing your new reality. But moving away from home into a tiny dorm (with a complete stranger!) can absolutely give you a case of the jitters.

Figuring out how you're going to survive your first year of college can be a little scary. You don't have mom to do your laundry; you don't have dad to hang your favorite piece of art on the wall and whip up that home-cooked chicken you crave; your best friends are hundreds of miles away. It's a little intimidating at first, no doubt, but once you develop a routine and a certain level of comfort at school, you'll be walking around campus with confidence (and dare we say, "on sunshine?").

It's time to come up with a solid plan so you can live happily and independently during your first year of college without relying on your friends and family back home.

Your tuition deadline has passed, but you still have a balance due on your account at your college. What do you do? We are here to help with this list of do's and don'ts for paying the balance on your tuition bill. 

That's right: Regardless of your family income, you won't pay tuition.

College applications are complete, college decisions are made, you've hopefully figured out a plan for paying tuition, and now it is time to do all your favorite things before it is time to head to school. Use your summer to relax, prepare for the year ahead and make memories with your friends and families. Take these last few weeks of summer and go crazy! (Well, within reason of course.) Here are our recommendations on how to spend your time in between graduation and freshman year of college!