A Breakdown of How Student Loans Work

Wednesday, July 30th, 2025

Federal student loans are often the first step for students looking for help paying for college.

While theyre not the only type of loan available for college students, theyre the most common. It’s also important to note that they’re different than private student loans. Here are some of the main differences:

Following are the four types of student loans offered by the federal government:

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Somewhere on your credit card statement"or maybe even on the back of the card"is contact information for a credit card concierge. The service is usually free, and while it isn’t available on all credit cards, many travel rewards cards offer it as a way to have someone do some tasks for you. Requests can be made over the phone or by filling out an online form.

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A bold and beautiful combination of Art Deco and Mid-Century Modern, heres how to infuse the Hollywood Regency Style into your home.

Bold Patterns and Palettes

Contrasting color combinations and simple patterns are used to create visual drama throughout.

Go Big on Lavish Details

Bring out the lacquered furniture and metallic finishes. This is a style for those who want to put grandeur on full display.

Plush Textures

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The best way to improve your credit score is simple, but not always that easy: Reduce your debt.

Paying off your credit cards, or at least paying them down substantially, will not only increase your credit score, but having less debt will probably be more satisfying than a great credit score. And not using your credit cards anymore and paying off the balances is easier said than done.

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Whether you’ve been searching for the perfect existing home in St. Louis with no luck or you think now is the time to build your dream home, it makes sense to understand the differences between building vs. buying. What’s right for you and your family will really depend on the area where you want to live, your budget, your patience level, and whether you have a great realtor to guide you through the process. 

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