It's Payback Time
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It's Payback Time

A Guide to Student Loan Repayment

About the Book

When I graduated from college with $30,000 in student loan debt, I knew there was no way I could afford to pay the monthly payment on my recent grad salary. This book provides insight into the tools and techniques I used to minimize my monthy payment to $91.

As the 6 month grace period comes to an end for the class of 2012, this no-non sesne, no numbers, book provides all the necessary information to leverage your limited income as a recent grad. Readers will walk away knowing how to find their student loans, what their options and rights are, and how to strategically design a repayment plan that works for thier budget.

About the Author


This book is brought to you by TheSavvyGRAD, a brand focused on empowering recent grads and young professionals through education. TheSavvyGRAD's mission is to provide resources that challenge preconcieved notions and teach readers how to think critically and strategically through situations. You can find more information and resources at

Table of Contents

  • Introduction
  • How You Acquired Student Loans
  • The Two Loan Sectors
  • Federal Student Loans
  • Finding Your Federal Student Loans
  • Repayment of Federal Student Loans
  • Income Based Repayment Option
  • The Benefits of IBRO
  • Applying for IBRO
  • Why You Shouldn’t Consolidate Federal Loans
  • Private Student Loans
  • Finding Private Student Loans
  • Repaying Private Student Loans
  • How to Lower Your Interest Rates
  • Why You Should Consolidate Your Private Loans
  • Other Repayment Options
  • The Silver Lining
  • Conclusion
  • About The Author

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