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An introduction to student loan repayment choices and strategies. Visit the Library for in-depth coverage of repayment plan options.

• Making Smart Repayment Decisions
  Flexible federal student loan repayment plans can help you avoid financial trouble and reach your financial goals.
• Repayment Strategies
  To repay your student loans, you need a comprehensive strategy to put your education debt in a larger financial picture that includes your income, non-education debt, and long-term goals.
• How Repayment Plan Choices Affect Loan Cost
  Your repayment plan choice can greatly affect your monthly payment and the total cost of your student debt.
• Deferment and Forbearance Options
  Both deferment and forbearance can help you avoid financial trouble. If you think you might qualify, reach out to your loan servicer as soon as you first experience financial difficulty.
• Managing Loans in Times of Financial Distress
  You can’t always prevent financial stress, but how well you manage it will make all the difference in how successful you’ll be in meeting your repayment obligation.
• Grace and Deferment Period Strategies
  Federal education loans all offer a grace or deferment period – a set amount of time during which repayment is not required. How you manage loans during your grace period can make a big difference.
• Public Service Loan Forgiveness
  If you work in certain fields or for certain employers, a portion of your Direct Student Loan debt may be eligible for forgiveness.
• Loan Consolidation
  Loan consolidation can simplify the loan repayment process, but you must review the loans you plan to consolidate carefully – once consolidated, there’s no going back.

Understanding the common types of insurance, including auto, renters, health, plus more.

• Insurance Basics
  Understanding how insurance plays an important role in our financial lives.
• Auto Insurance
  A review of the major types of auto insurance, factors influencing cost, and choosing a policy that's right for you.
• Life Insurance
  Who should consider life insurance, types of policies, and how to determine coverage.
• Renters Insurance
  Even if you don't own a home, your possessions are assets that may be difficult to replace in the event of fire, flood, or theft.
• Health Insurance
  The various health insurance choices.
• Disability Insurance
  Policies that replace a portion of your wages if you become unable to work can be complex, but they may provide important benefits.

Learn what you need to know about tax brackets, when to review your withholding and how to avoid common tax scams.

• How Income Taxes Work
  Learn how income taxes are calculated and how the various tax brackets are applied.
• Tax Credits and Tax Deductions
  An over view of the difference between the two terms including an outline of popular tax credits.
• When to Review Your Tax Withholding
  Knowing when to adjust your tax withholding is crucial to managing your tax liability and avoiding unexpected tax bills or refunds.
• Preparing to File Your Tax Return
  How to assemble required documents, explore potential ways to reduce the amount of tax you owe, and choose your filing method.
• Avoiding Common Tax Errors
  Mistakes on tax forms aren't unusual. Learn the most common errors and how to fix them.
• Avoiding Tax Scams
  Learn how to identify and avoid common tax-related scams.
• Reducing Your Tax Bill by Saving Money
  Saving for retirement can be a smart way to reduce your tax bill while planning for your financial security.
• Making the Most of a Tax Refund
  Far from "mad money," an income tax refund is money you earned through hard work. Learn how to put it to work.

Learn the basics of managing money, including financial health, budgeting, managing credit, plus more.

• Financial Health
  The concept of financial health is the foundation of any financial plan.
• Introduction to Budgeting
  Why budgeting is important, no matter how much money you earn.
• Choosing a Bank or Credit Union
  Key factors to consider when choosing a financial services provider.
• Credit Versus Debit Cards
  Credit and debit cards each have pros and cons. When should you use each?
• Credit Reports and Scores
  Credit reports and scores determine the rates you pay when borrowing and can affect your ability to get certain jobs.
• Managing Accounts
  Account management strategies for checking and savings.
• Maintaining and Improving Your Credit Score
  A good credit score allows you to borrow at the best rate possible, keeping the cost of borrowing to a minimum.
• Identity Theft
  Understanding ID theft and how to prevent it.
• Financial Goals Exercise
  A goal-setting exercise that includes weekly, monthly, yearly, and long-term goals.