{"id":10784,"date":"2026-01-14T09:51:18","date_gmt":"2026-01-14T13:51:18","guid":{"rendered":"https:\/\/collegeadmissionshq.org\/staging\/6504\/?p=10784"},"modified":"2026-01-14T16:41:39","modified_gmt":"2026-01-14T20:41:39","slug":"thoughtful-borrowing-a-guide-to-education-loans-2","status":"publish","type":"post","link":"https:\/\/collegeadmissionshq.org\/staging\/6504\/thoughtful-borrowing-a-guide-to-education-loans-2\/","title":{"rendered":"Thoughtful Borrowing: A Guide to Education Loans"},"content":{"rendered":"\n
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September 18, 2025<\/em><\/em><\/em><\/p>\n\n\n\n

Over the past 20 years, college costs have doubled, far outpacing inflation and wage growth, making paying for college more challenging than ever. For most students\u2014and often their parents\u2014borrowing has become a necessary part of covering the cost.<\/p>\n\n\n\n

Thoughtful borrowing is key to getting the education you want without compromising your financial future. This guide explains the different types of education loans available and offers strategies for wisely managing your education debt. A glossary of loan terms is available HERE.<\/a><\/p>\n\n\n\n

Thoughtful borrowing also includes having an early, honest family discussion about college financing\u2014ideally before you even begin looking at colleges. Are You on the Same Page About College Costs?<\/em><\/a> can help spark meaningful conversations about education debt and so much more.<\/p>\n\n\n\n

Types of Loans<\/strong><\/h5>\n\n\n\n

Students and parents can borrow from a variety of sources, each with its own advantages and disadvantages.<\/p>\n\n\n\n