Start seeing your debt in new ways
[H] The websites of lenders are often limited and only have basic information. To really tackle your student loans, it can often be useful to visualize how much progress youre making. There are several ways to do that.
[I] One really useful new free site is Tuition. io, which gathers information for all your loans in one place. You can see your debt in colorful charts, play around with repayment plans, and, once you start paying your loans, you can see the numbers start to fall. That can be very motivating.
[J] For the same effect that you can customize yourself, try a Google Docs spreadsheet. Theres a template that already exists for paying down loans; it has the unpromising title of Loan amortization schedule by Vertex42. corn but it has very handy calculators built in so that you can tweak your monthly payments to see how much progress you can make if you increase or decrease your payments in any given month. If you dont like that template, just create a Google Docs spreadsheet with the categories you need: date; loan name/number; loan interest rate; starting loan amount ; payment amount you made on that date; ending loan amount after that payment. After you have enough entries, you can start creating graphs; there are few things more satisfying than seeing that graph move downward as you pay off your debt.
[K] If you want to see your loans in a larger context of your whole financial picture, LearnVest is a great mobile app for iPhone. It gathers all your information income, loans, credit card debt by linking to your accounts. It serves up useful graphs on your net worth, comparing your assets to what you owe -and theres nothing more motivating than seeing a minus sign next to your financial picture. LearnVest also lets you track your spending, which may make it easier to see where to cut down on expenses so that you can put more into your loan payments. LearnVest also has a good website full of useful advice .Dont be afraid to scare yourself
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