• All About Student Loans
•  10 Best Student Loan Options
• Government-Student-Loan-Consolidation.
• Student Loan Consolidation Can Help
• Applying For a Student Loan
• Is A Student Loan Consolidation Right For You
• Are You Ready for Your Student's Student Loans
• Loan Options for College Students
• The Facts About College Financial Aid
• Student Loan and Student Loans
• Why Student Loans are Better Than Credit Cards
• Consolidating Your Government Student Loans

• Thinking Of Co-Signing For A Loan Read This First
• Need Help Paying Back Student Loans
• Student Loans – Ensuring a Brighter Future Ahead
• Student Loans Are The Life Preserver Of The Education System
• Bad, Credit, Student, Loans - Disjointed They Don’t Make Sense - Join Them and See the Possibilities
• Dos and Don'ts: Student loans
• Federal PLUS Loans
• How Bankruptcy Affects Student Loans
• If I File for Bankruptcy Will My Student Loans Get Discharged
• Student Loan Limits Not Keeping Up with Tuition Rates
• Student Loan 101 Get Money and Get a Degree
• A College Loan Will Finance Your Education!
• College Expenses Seven Ways to Save on an Education
• UK Student Loans Explained
• Federal Debt Consolidation Loans For Students
• What Students and Parents MUST Know about Student Loans
• Are Student Loans Better Than Credit Cards

Why Student Loans are Better Than Credit Cards By Vanessa Mchooley
You need some more money for college expenses this semester. Do you whip out a credit card to pay for your books, or do you apply for a federal or private loan? Well, consider the options –

-With a federal loan, your interest rate will be low (around 5%) and your payments will be deferred until 6-9 months after graduation.

-With a private loan, the interest rate will be slightly higher than with a federal loan but will still be lower than average. In addition, you will only need to make interest payments until after graduation.

-With a credit card, on the other hand, the interest rate can be as high as 21%. Interest begins accruing almost immediately, and you need to begin paying off the bill the next month.

This is not to say that credit cards do not have a place in your college life. It is good to have one national card (Visa, MasterCard, Discover) on hand to help you build a positive credit history and to provide security in emergencies. When you decide to apply for a card, compare annual fees, interest rates, and introductory offers. And to keep yourself out of debt, try to—

-Pay your balance each month to avoid interest charges

-Pay your bill on time to avoid late charges

-Avoid cash advances, which come with large finance charges and interest that begins accruing immediately.

This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we're dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more on how Student loans are better than credit cards at http://www.NextStudent.com .

My goal is to help every student succeed - education is one of hte most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from SD.

http://www.nextstudent.com/

Article Source: http://EzineArticles.com/

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