Ten Simple Tricks To Get The Most out of Your Back to School Budget

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Before you start back to school shopping, make sure you follow our ten easy tips!!!

Back to school.  It is just so expensive – especially when you have more than one child getting ready to start classes back up again.  The average family with kids in grades K-12 will spend an average of more than $625 just to get the items they need!  That really can hit the budget hard.

There  are things you can do to save on your Back to School shopping.  We’ve got ten tips anyone can  use, no matter where you live, to lower your spending.

1. Follow Penny Pinchin’ Mom! Of course this is my first tip!  We are doing all we can to help you get the items you need at the best price possible.  This is the time of the year when we add both an image to our sidebar AND a link in our main menu, so you can find the items you need.

The most popular feature on the site is our FREE interactive supplies database.  You simply type in the product you need to find and we show you this week’s prices (including any coupons) from National stores (like Target, Walmart, Walgreens, etc).  This way, you can compare prices at home.  It is also helpful to know what things cost before you head out!

Back to School Coupons and Deals Database

 

2. Shop at home first. Before you head out, take inventory of what you have on hand.  One great thing to check is backpacks.  These tend to be some of the most expensive items, so you may want your kids to start the year out with last year’s backpack.  Then, when they drop in price and start to move to clearance prices (in mid-September), go and get one.

Another thing to look at are clothes. Most kids will wear shorts and tees when school starts.  See if the items they already own will work for a few weeks and then, when you really see those summer clothes discounts pop up, stock up!

I also recommend seeing if you can use last year’s supplies.  If they had a scissors, they can use it again.  The pencil box may just need to be cleaned up, but it could be used again this year.  Track down the manual pencil sharpener (empty the shavings of course) and then you’ve got that done.  Right there,  you can find 3 items to mark off of your list – and they cost you absolutely NOTHING!

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3. Follow the sales (also called loss leaders). There is no rule that says you have to do all of your shopping in a single day.  If you see the pencils you need on sale this week at your local store, pick them up.  Then, grab the crayons next week when you find a hot deal.  Keep a list of the items you buy and then, when it is time to hit the store for your final shopping trip, you will only have to grab those few things you need, which may have not ever really gone on sale.

These items that are really low in price are what are called loss leaders.  These are items which retailers know they will make no money, but they are used to get people into the store to do more shopping.  Just grab those items each week and avoid the rest of the other store deals.

4. Use those coupons. This is the time of year retailers tend to release a lot of coupons.  This can make the price of jeans for kids drop to as much as 60% off of retail.  You can find uniform essentials as low as $5 – $6 each.  When you see those coupons, grab those pieces you need!

You can also find coupons for the supplies you need for your kids.  It is common to find Target store coupons which you can stack with the printable and weekly manufacturer’s coupons to get even greater discounts.

5. Share packaging. I have 3 kids.  They all need pencils.  Rather than get them each their own set of 10, I can often find a better deal if I pick a 30 count instead.  We then open and rubberband the number each of them need to add to their supplies for their own classroom.  We find that doing this is often much more cost effective then getting them each their own item.

6.  Price match. Many stores price match, including Target and Walmart.  This year, even Staples offers a 110% price match guarantee.  When you can put this to work for you, it means you can shop at one store and get all of the deals you will find at other stores!!

Just make sure you know how the price matching works at each location before you shop (no need to have surprises when you get there).

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7.  Use apps. There are so many great apps including Ibotta and Checkout51.  You can often find a way to get a “double dip” on a deal.  That means you may find the same discount on both Checkout51 and Ibotta, so you can submit your receipt to both and get double the cash back!

8.  Use gift card sites. You can find discounts on gift cards at sites such Raise.  You can purchase regular value cards a discounts (sometimes as much as 20% off).  Then, use those gift cards when doing your shopping!

9. Consider refurbished electronics. This is a great way to get a new computer or tablet for you kids for school – without paying too much.  Refurbished often gets a bad rap as people think it means used.  It simply means that it was purchased and returned.  Once the box is opened, stores can not sell the item as new and must discount it for resale.

10. Get your kids involved. Kids don’t often realize how much items cost.  Set a budget for them so they know how much you will pay for things, such as shoes.  If you can afford to pay just $50 for a new pair or tennies, let your child know that they can get what they want, but they need to cover the additional cost. So, if they want that $75 pair, that means $25 comes out of their own pocket.  That really makes them think before they shop and have to part with their own hard earned money.

What other tips do you have to save on back to school shopping costs?

Jif Hazelnut Spreads ONLY $1.75 (reg. $2.99) at Target!

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Jif Deal at Target

These Jif Hazelnut spreads are so delicious! Right now you can stock up on these at Target with a 25% Cartwheel and a $0.50 off manufacturer’s coupon!

 

Tips To Save on Back to School Clothes Shopping!

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Saving money on school clothes is something we all want to do!  Check out these HOT tips from readers - just like you!!!

The kids will be heading back to school in just a few short weeks and that means school shopping is probably well under way, or soon to be started. If you’re a family with multiple children the costs can add up, so the real question is, what are some tips to save on back to school clothes shopping?

We posted this question on our weekly Penny For Your Thoughts post on our Facebook page. Here are the tips which were shared by our readers.

“My kids love going to thrift stores looking for great clothes. Were there for hrs but get it done. I also buy a few outfits from sales at local stores. And love the online garage sales!!!” – Renee T.

When it is winter I shop clearance for summer and save them. And vise versa. I have been doing it for years now and luckily I have gotten the sizes right every year. This year my 7 year old is excited because I found winter frozen and monster high shirts. I paid 1 dollar for each! Once I did this one year I did it every year! Other than this I will go to retail me not and get coupons and ONLY ONLY ONLY shop clearance!” – Laci D.

“Thrift stores. The kids want to wear their new clothes and it is hot out. I use to buy my kids clothes a season ahead and then would get them out of the tub with the tags on and the kids would be excited.” – Amy W.

“I bought a lot of school clothes from Kmart when they marked down their winter clothes!! Great prices and put them on layaway! Picked up the layaway 2nd week in June! Then my aunt also hits Kholes and Penny’s when they do clearance and coupons! And of course Children’s Place with their sales! All that I really have to worry about now is basics! Really really helps doing it this way.” – Janelle H.

“I sell my kids stuff at bi-annual consignment sales and buy about 90% of their clothes for the next season there as well. Then, I use the remaining money from selling to fill in the holes with a few brand new items.” – Courtney B.

“We shop at consignment stores at bi-annual half off store wide sales, just did this Saturday ended up getting a ton of shirts for .25-.50cents each nice ones too!” – Ryan S.

With havig 6 kids I have utilized Childrens Place more than any other store. I do most of my shopping online and I do a good bit of searching for promo codes before hand. So, I will hit the sales when they do 50% or higher, then I stack my “My Place Cash” (if I have any), and then the promo code. Last week I bought one of my boys 3 outfits and 2 of my girls 5 pair of shorts and I spent $34! I also hit the clearance sales per season for the following year. Luckily, 2 of my boys and 2 of my girls wear the same size in clothes, so that helps to save a bundle!” – Nicky M.

Make sure you watch Facebook each Monday for our newest question and share your ideas.  You may find your name and tip featured each week on Penny Pinchin’ Mom!

Tips for Time Management

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Time management is one are that seems to cause issues for a lot of people.  You've got to read our great tips to help you really get the most out of each and every day!!

 

 

It’s a popular occurrence for people to be super busy these days. Between jobs, school, kids, and the little things in between, it can be difficult to get it all in without feeling like you have absolutely no time to spare. Time management can be a successful tool in assisting you with your day to day routine by opening up time you didn’t realize you were wasting. Below are some great tips for getting started with adding time management to your day.

  1. Make a list – Yes, it takes time to sit down and make a list but it’s worth it. Before the week begins, write down what appointments/obligations you have for each day. Then on a separate sheet of paper, write down the things you need to get done that don’t have a specific deadline. Find your empty spots throughout your schedule and place these deadline-free responsibilities in those spots as desired. Make sure you’re planning the highest priority ones first.
  2. Don’t be lazy – As much as we would love to lie in bed on the days we have off, use these days to take care of a few extra responsibilities. Always take care of the most important responsibilities first or the most pressing ones, that way you can relax on taking care of the others a bit. You will feel much better while relaxing knowing you have nothing that needs to be done.
  3. Don’t procrastinate – This one can get to us all at one point or another. However, it’s the biggest pit fall of time management. Too many responsibilities can get stacked up to where we overwhelm ourselves or make it near impossible to get them all taken care of. If something is presented to you, get it done right then if possible. If not, it will only be one more thing you will have to remember to get done later. Don’t do that to yourself.

Overall, get to know yourself and your habits. Be honest about where you fall short and compensate for that. We all handle our time differently but with a few adjustments, we can all learn to organize our time effectively.

Homeschooling 101: 14 Tips To Smoother Days

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homeschooling tips

If you are a homeschooling parent, you know that it can sometimes be a struggle to keep things fun and exciting while still teaching your children each daily lesson.  We put together a list of 14 great tips to help you do just that.

We previously posted a series – 14 Days to Smoother Homeschooling.  But rather than you having to track down all of those posts, we put them together her for you.  Just click on the topic and pop on over to read more about it!

 

We know we’ve scratched the tip of the surface.  What are some of your best homeschooling tips? Please share by leaving us a comment!

 

 

Ten Simple Ways to Save Money on Back to School Clothes

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With all you have to buy at back to school time, you need to do what you can to save.  You have to check out these ten MUST KNOW tips to save money on  your Back to School Clothes!!

Back to school season is upon us.  It is time for back to school once again.  It is expected that the average family will end up spending  more than $670 on all of those supplies, clothing and other items that are needed.

While you know to shop the deals for the school supplies , what can you do to save on your kids’ clothes?  Simple.  We’ve got some easy tips you can follow below to help you get the most out of your school clothing budget!

Catch our FUN video sharing back to school planning with my own kids!!

1.  Shop at home first.  Before you head out, take a look at your child’s closet and drawers.  Have him or her try on those clothes to see if they still fit or not.  You might find that the shorts and tees will work for a while and you do not need to purchase those.  However, the tennis shoes may be completely worn out and you need to purchase them.

As you do this, make a list of what you need, including the sizes, so you know what to buy when you shop.  There is nothing worse than picking up a pair of jeans for your child, to realize that he or she did not only not need them, but you picked up the wrong size!

This might also afford you the chance to wait to shop.  If your child doesn’t need any new clothes to start the year, you might be able to wait for a month or so, which might help your budget!  There is no rule that says kids have to have all new clothes to start the school year out, right? 😉

We actually have a FREE Back to School Shopping List you can use.  Just print one out and fill it out for your kids.

school list

Download your FREE Back to School Shopping List

2.  Shop Thrift Stores.  You can sometimes find amazing items at second hand (or thrift) stores.  Sometimes, kids outgrown clothes long before they wear out.  This can be a great way to find some deals on items (especially if you need something for only a few months).

3.  Stay at Home.  Oftentimes, you can find online coupon codes to save on your purchase. If you are lucky enough, you may even score free shipping with either another code or by hitting a purchase minimum.  This not only helps you save money, but can help avoid those crowds (and even save on fuel costs).

It can also be great to order items for your kids to try on at home.  Then, if they do not fit, you can return them to your local store instead of mailing them back.  This way, you can get in and out of the store very quickly!  I’m all about spending as little time in a store as possible (avoids tempting impulse purchases).

4.  Put your Phone to Work.  There are many great apps you can download to help you find coupons and discounts.   One of my favorites is CouponSherpa.  They have retail coupons which you can pull up right at checkout. The cashier will scan your phone and you can save – without having to clip a thing before you leave!

5.  Shop The Sales Tax Holiday.  Many states offer a sale’s tax holiday to help reduce the burden to families.  We pay nearly 9% for sales tax where I live, so that can add up to significant savings when we shop over that weekend.  Find out if your state is participating by reviewing our 2015 Sales Tax Holiday List.

6.  Clothing Swap.  Find friends who have kids who might be a size larger or smaller than your kids and do a swap! You set up a swap party with your friends and ask each person to bring no more than 10 – 12 items.  Then, you all enjoy snacks and drinks, while you visit and catch up.  Then, you start taking turns and “shop” from what one another brings to the party.  This way, you get rid of clothes that do not fit and can go home with some which do!  You can then donate the left over articles to a thrift store or charity.

7.  Recycle Clothes.  Just because you have a short sleeved shirt doesn’t mean you can’t wear it in the winter.  Just add a long sleeved tee underneath and you’ve got something new for fall and winter!  It is a simple way to extend the life on a favorite shirt.

8.  Shop clearance/off season.  It is still warm outside (and will be for a few more months). Believe it or not, you can find clearance deals on shorts and tees, which is what your kids will start out wearing initially anyhow.  This is a great way to pick up a few items to start off the school year.  That also allows you time to see discounts and deals on the other items they might need later in the season.

9.  Always shop off-season.  This is one you might not be able to do right at this moment, however, when you shop ahead for the next season you can save.  For example, winter items are always put on clearance in January (which never makes any sense to me).  If you can find jeans, coats or other items, pick them up one or two sizes larger for your kids and hold onto them for the following winter.

10.  Keep your budget in check.  Sure, your kids might want the $150 sneakers, but if your budget is set at a $50, stick to it.  They might think it is the end of the world if they don’t have the best, but you need to make sure you don’t overspend.  If your child want something at a higher price than what you are willing to pay, you can always allow them to cover the difference.  They might just learn that they really don’t want that item as badly as they thought, when they have to cough up the cash for it.

What tips do you have to save on back to school clothes?

Catch our FUN video sharing back to school planning with my own kids!!

How to Create an After School Schedule

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Creating an After School Schedule | www.pennypinchinmom.com  #backtoschool #schedule #organize #timemanagement

 

There is a lot of great information out there to help make your morning routine go more smoothly (we’ve even got one HERE).  However, what about after school?  The kids come bursting through the door and seems that chaos begins.  There are shoes, backpacks, homework, snacks…..and and can quickly drive mom insane!

The trick is to create a routine.  When you have a routine, everyone knows what to do and can help keep a good rhythm running in your house.  Of course, you may need to tailor this to each child, depending up on age an maturity.  Even my own kids are different and so the way I run our routine differs a bit for each of them.

No matter your child’s age, there are things each of them can do.  For us it is simple,  they have 3 things they need to do the minute they walk into the door:

  1. Place your backpack where it belongs.  For us it is the bench in the entryway, so that I can go through them to get out papers and things I need.  As they get older, they will have to take out those things and then hang it up.
  2. Place your shoes next to the bench so they are ready for the next day.  We don’t have our kids put tennies in their rooms during the week.  This is one thing we do right away, which helps us the following day!
  3. Grab a snack.  We have a snack basket, filled with “mom approved” snacks, for them to tackle.  This helps mom by not having to take the time to get them a snack, while making sure they are eating something which I say is OK (I will post more about a snack basket soon).

Once these things are done, I allow my kids at least 30 minutes of free time.  That can be playing with toys, watching a TV show or playing with an electronic.  My oldest has Karate, which runs on a set schedule.  This is part of her routine and she knows that she has to put her uniform on at 5 pm on those evenings, so we can get out the door shortly after Dad gets home.

After they have their free time, they have to do their chores.  These are simple things such as picking up their rooms (as needed), putting away the clean clothes on their bed or helping mom with other little tasks.  We want our kids to know that they have to contribute to running our household – mom is not here to serve them.

We have dinner between 5:30 and 6:00 pm every night.  Part of our routine is 3 kids – so 3 chores.  We rotate between:  setting the table, clearing the table and loading the dishwasher.  They know that Mom (or sometimes Dad) cooks the meal and they have to be a part of that in some way.    By having dinner a bit earlier, we are alway done with it all by 6:30 pm, which allows time for other tasks.

If your children bring homework home with them, a good time to do this is right after dinner is done and the dishes are washed.  They’ve already had their “down time” so they can now focus on homework and studies.  We have our kids do this in their rooms, where it is quiet and they can focus.  Of course, there are times when the kitchen table works better, so we just turn off the television so that it is quiet and they can concentrate and quickly get their work done.

Bath time is another things our kids do every night.  A bath helps them relax and washes off all of that dirt and grime they’ve picked up on the school bus and playground.  We usually try to do baths by 7:00 each evening.  This again, gives our kids a chance to have a few more minutes of playtime before they hear the “B” word — BEDTIME!!!

While they do go to bed when we tell them to, they don’t always like it.  Our youngest kids still love a story at bedtime.  For that reason, they have to head up to bed at 7:45 so they can go to the bathroom, brush their teeth and have time for that story.  It is lights out at 8 pm.   Our oldest is allowed to stay up until 9 pm, but we have her go up a few minutes early so that she too can brush her teeth before climbing into bed.

Of course, if you are mom who works out of the home, you will have to make adjustments as you may not walk through the door with everyone until 5:30.  If you find you get home a bit later, you can just pick up from dinnertime noted above through bedtime.  You can have your kids do their chores while you are fixing dinner, so that once you are through eating, you can move into homework, baths and bed.

Whatever you do, try to set a regular routine for your kids.  They need to know what comes next and it really helps reduce stress (and even tears)!

 

Ten Fun Ways to Celebrate Back to School (Great for Homeschooling Parents Too)!

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celebrate back to school

 

Back to School time can be fun and thrilling for kids and parents alike.  It can also be stressful and scary for your kids as well.   Not everyone is ready to make the transition back to school.  There are some things you can do to make this time of year FUN for your kids!  Here are ten ideas you can do celebrate the time of year.

1.  Have One Last Blast of Summer Party.  Invited friends and family over and get outside.  Have ice cream, frozen treats and enjoy the end of summer.

2.  Make notes for lunches / pack a special treat.  Sometimes it is hard to let go of mom.  Sending encouraging notes in your child’s lunch box can be just what they need to get through the rest of the day.

3.  Have a special back to school breakfast.  On the first day of classes, make breakfast extra special.   Make your child’s favorite breakfast, make a fun place settings to mark the day.

4.  Take a photo.  We’ve take pictures of our kids on the first day of school, just like most.  However, why not let your kids take a picture of YOU!?  They will love the chance to capture mom or dad on this occasion too.

5.  Create a countdown board.  Use posterboard and staple papers with numbers on them.  Each day, let your kids pull off the prior day’s number.  When it gets to zero, have a fun treat to give to them.

6.  Have the Back-To-School Fairy pay your kids a visit.  My son’s kindergarten teacher did this last year and it was just so cute!  She sent home a note from the back to school fairy which was filled with words of encouragement.  A couple of nights before school started, we snuck into his room and left the note on his beside table and sprinkled confetti under his pillow to show that she stopped by to see him.  He was so excited when he woke in the morning and saw that she had been there.  You could swap the note with a small trinket or toy instead.

7.  Measure your kids.  We use the inside of our basement door for this fun idea.  Throughout the year, we measure each of our kids and mark the date.  We try to do this on special occasions like birthdays and holidays — but it is just as fun to kick off the school year this way too.  The kids can then measure themselves on the last day of school and see how much they grew during the school year.

8.  Break the Rules. Why not let your kids break some of your rules.  Maybe they could have junkfood for breakfast?  Perhaps they want to stay up 30 minutes later.  It’s just one day where they can decide what it is that they want to do.  When we do this with our kids, their faces light up!

9.  Have a special snack waiting.  When your kids get home from that first day of school, have a special snack waiting.  That might mean cookies and milk or even stopping by your favorite ice cream parlor for s scoop.  Anything like this can make the day more fun!

10.  Find that special outfit or new shoes.  I recall school being about the clothes — especially brand new tennies!  Take your child shopping to find that PERFECT back to school outfit!  I remember being excited to go back to school so I could wear those items my mom helped me find.

10.  Painted Hands.  Along with the measurements, why not get your child’s handprints etched in…..well…..paint!  Take a black piece of paper and then paint your child’s palms white.  Have them press down to leave a mark.  You’ll be able to watch your child grow each year through handprints too!

What do you do to mark Back to School each year?

Five Tips To Help You Ease Back Into Your Back to School Schedule

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Back to School Schedule Tips | www.pennypinchinmom.com

 

School is staring soon (if it hasn’t already done so where you live).  Whether you start next week or next month, you know how tough it can be for the entire family to move back into that Back to School schedule.  You can actually slowly transition your family to help them change their routine, so that when school starts, you have one less struggle to deal with.  Check out these five tips to help your family east back into your own Back to School Schedule.

Bedtimes.  This is a big one.  During the summer months, we all love to stay up later as we want to enjoy being outdoors and there is really no need for an early bedtime.  This is a big change for kids (and even adults).  Slowly start to move back the bedtime around 5 – 7 days before school starts.  For instance, if your child’s school year bedtime is 8:30 p.m. and during the summer they are allowed to stay up until 9:30, start backing bedtime by 10 – 15 a night until they are back to that earlier bedtime.  Then, when school starts, you will be back to that bedtime and (hopefully) have fewer struggles at bedtime.

Waking up.  This is another one which is tough!  Kids (or at least mine) love to sleep in during the summer months.  This is partly because they can, but also because of those later bedtimes.  As you change the bedtime, you will also want to do the same for waking in the morning.  You will want to do the same thing as you did for the bedtimes.  If your child sleeps until 9:00 a.m., but they will need to be up by 7:00 a.m. for school, start to wake them 15 – 20 minutes earlier each day until they are waking up at their school wake up time.  You might try to do this for at least 1 – 2 weeks before school starts, so your child gets use to waking earlier.

Eating schedule.  During the summer months, you eat breakfast just when you wake up, which may make your lunch and dinner schedules a little off track.  Help your children get into a school eating schedule.  Have them eat breakfast shortly after they wake in the morning.  If you know (approximately) when they will eat lunch at school, start to work that into their routine.  Make sure you have dinner at a decent time, which would allow ample time for baths and homework in the evenings.    This helps train their brain into knowing the times of day they will eat.

Practice your night time schedule.  To help your mornings go smoothly during the school year, it can be helpful for your kids to set out their clothes before they go to bed.  Have them begin doing this a week or so before school begins so they can get into that habit.  Remember that anything you can do at night to make your morning better is always a good thing!

Stay home.  If you can, try to stay at home and do not plan any vacations or trips a week or two before school.  Trips and vacations sometimes take some recovery time (sleep and attitudes) after you get home.  Keeping a simple, stay at home schedule can help ensure your kids are not overly stimulated or tired, which can also help that back to school routine.

What other tips do you have to share?

Student Loans: Start Smart and Pay Off Sooner

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student loans

 

These days, student loans are all over the news. From increasing interest rates to proposals about how to fix some of the inherent issues that come with taking out these loans, how students and their families are paying for college is a growing national concern. While these issues (and more) are sorted out, here are some smart ways students can start paying off their loans.

 

A Head Start

 

A 2013 study found that, on average, students were graduating from their first four years of college with around $29,400 in loan debt. For careers that require even more education— for instance those who plan on attending graduate school or going onto a next-level professional school like medical or dental school—they can expect to be even further in the red. To get a good hold on their educational debt situation, students need to be prepared.

Students can get a clear understanding of what kind of totals they’ll be seeing by using a loan calculator. Saving and scanning copies of every loan (both federal and private) they sign is also important and a good way to keep track of variable interest rates on private loans. Investing in a file cabin or scanning hardware to maintain careful records is a must. With some forward thinking, students will have a clear understanding of what’s ahead when the time comes to start paying off these loans.

In speaking with my husband, he wishes he would have used money earned during college to begin loan payments while he had the funds available. Once he graduated, he no longer had those funds. His bills absorbed his paychecks for some time and even minimum loan payments were hard to afford. Needless to say like many others our age, we are still paying off loans and likely will be for some time.

 

Take A Closer Look

 

A well thought out loan repayment strategy is more than a technique for avoiding financial headaches; it can also save you money. Consider using an online service or software program to get a good handle on your loans. With linked accounts, visual representations and even the ability to show students different methods of repayment, a program like Tuition.io is worth consideration. Students who have only taken out federal loans can monitor their amounts and payments with the U.S. Department of Education’s National Student Loan Data System (NSLDS).

All students (and their parents) should be wary of certain student debt relief services. Be careful of companies who scam students looking for some respite from overwhelming loan payments with promises of consolidation or a year without payments. If the loans are federal, they can only be consolidated through the federal government.

 

Pay It Back

 

For federal loans, and for some private loans, students are given a ‘grace period’ of six months before their first payment is due. While it’s tempting to put off payments, if possible, students shouldn’t wait for this grace period to end before making the first payment. The sooner payments are made, the less interest can be incurred. Students who are able should also think about making payments every week, as opposed to every month or every two weeks. Doing so will lower the interest paid overall. Setting up a method for auto withdrawal (removing money directly from the account) can also mean up to a .25 percent interest rate cut. Talk to your loan servicer or financial advisor about setting up an account for repayments.

If a loan payment is more than your income, you might qualify for income-based repayment (IBR). These plans are based on disposable income and are typically paced out across longer periods of time.

Taking out and repaying student loans can seem daunting, but trust that a college degree is still worth the price. With accumulated savings, clever spending and making the right choices for the time spent on campus, a college degree is a great investment in the future of students and their families.

 

Preparing for college is so much more than ACT scores and admission essays. For more advice on navigating financials or saving for higher ed, click here for friendly advice from our friends at CommunityAmerica Credit Union. This post was written by Savin’ Maven Dana Gering.