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Pay for College Blog - Tips on reducing the cost of college

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Strict Standards: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/functions.php on line 41

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FTC Releases New Consumer-Safety Student Loan Guide

   Posted
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14 
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Jul, 
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2008

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Summer is in full swing and that means it’s student loan season–the perfect timing for the release of the Federal Trade Commission’s latest “FTC Facts for Consumers” which is all about student loan safety.

Their June 2008 edition is a guide to avoiding deceptive student loan offers (PDF), which includes a brief summary of the different loan types-from federal to private. It also has a section about how to spot deceptive student loan practices, which any parent or student who plans on borrowing for school should read up on. If you’re looking in to consolidating a loan, make sure you take note of their “Special Considerations for Consolidation of Federal Loans” as well.

The guide is concise, but reading through it will help you ensure that you’re headed in the right direction. (If you don’t have a PDF reader, you can also view the regular HTML version of the FTC’s student loan guide.)

More Student Loan Info Resources

At the Department of Education’s federal aid information site, Federal Student Aid, you can read up on why you should borrow federal student loans first (though this information might be a bit of a repeat for loyal Pay for College Blog readers). Their student portal has a lot of helpful information as well.

I’ve also found FinAid.org to be a reliable source of information. They have good summaries of each type of financial aid, and are diligent at trying to keep all their data (loan amounts, interest rates, etc.) current as changes occur.

To check up on lenders’ reputations, click over to the government’s Consumer Action website, and/or check out each company at the Better Business Bureau.

And of course I’ve given out plenty of student loan borrowing advice in the past, too. If you want to learn more, feel free to contact me!

All the best,
Deborah Fox

Deborah Fox is the founder of Fox College Funding®, a nationwide company that helps families find creative ways to reduce their college costs.

photo: money symbols abstract 2 by svilen001

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Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/link-template.php on line 73

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/link-template.php on line 98

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Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/link-template.php on line 73

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/link-template.php on line 98

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Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/link-template.php on line 73

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/link-template.php on line 98

Strict Standards: Only variables should be assigned by reference in /homepages/19/d206056855/htdocs/wp-includes/post.php on line 218

Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/link-template.php on line 73

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/link-template.php on line 98

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Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/link-template.php on line 73

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/link-template.php on line 98
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Strict Standards: strtotime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/link-template.php on line 73

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /homepages/19/d206056855/htdocs/wp-includes/link-template.php on line 98
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