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I think the pros for the most part can outweigh the cons when it comes to taking loans out to pay for college. This is because the ROI can be a significant change in your life and you can potentially have a great job that would be worth it for your future. Sure you might be paying a lot at the moment but if you’re going somewhere that can help you get a good paying job then it will help you pay off the debt at a fast rate.

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One concern I have about borrowing money for college is the fear of being in debt for many years after graduation. I worry that student loans could limit my financial freedom and make it harder to afford important things like a car, an apartment, or even traveling. I’m also concerned about interest rates making the total amount I owe even higher, especially if it takes me some time to find a steady, well-paying job.(75)

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I think college is worth the cost, and a loan could be worth it too as long as you don't take out too much. Taking out a small loan to put you over on your school payments can help you out, but if you let it accumulate you could be stuck in debt for decades. However, if you stick with school and stay smart about the loans your taking out, the money you make from your career would make the cost worth it.

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The concerns and fears that I have about borrowing money for college is that I am very ignorant regarding the topic of student loans. This is because my parents and I have never had a conversation about student loans. I am scared that I will be paying off my student loan until I am 60 years old. I am worried that I am going to chose the wrong college and accidentally sign my life away and obtain the worst loan possible.

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Something that I am concerned with about borrowing money for college is how it would affect me after college, or even during college. I feel like I have something like a debt in the back of my mind; I wouldn't be able to focus at times. Especially in the beginning, I feel like I would be thinking about it all of the time. After college, I feel like it would obviously always bug me, and it could be a major setback if I were trying to do anything in my life.

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My biggest fear and concern about borrowing money for college is that eventually I will need to pay all that money back. Depending how much I borrow that can be scary because I can be in debt for a long time making up all that money and it could take years for me to complete. It will make me to be on stricter on my budget so I can make enough money to make up the loans.

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The biggest fear I have about borrowing money for college is definitely fearing that I’d go into debt for quite a few years after I graduate. I don’t want to graduate then struggle to look for a job that will help me pay off that debt. I want to go somewhere that can help me get a successful job and that can help me pay off the debt at a fast rate so I can be free from debt.

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A concern I have about borrowing money for college is not accumulating a lot of student debt. I am also worried that I will not be able to find a job soon enough after graduating college. I would like to be able to move out of my parents house and be able to be self-sufficient. If I do not pay my loans back relatively quickly, the interest will build up and I will need to pay more.

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I want to learn how student loans really work and what makes federal loans different from private ones. I’m interested in how interest rates build up over time and how repayment options, like income-based plans or forgiveness programs, can help after graduation. I also want to know how borrowing affects credit and long-term finances. Understanding all of this will help me make responsible choices, avoid unnecessary debt, and plan for a more secure financial future.

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something that I am concerned about is the amount I will need to pay back to the school if I do borrow some money from them. yes it will help me get a good education and potentially get a good job but what if you borrow that money and family stuff comes up where you have to leave college and end up having to drop out of college. then you would have borrowed money for nothing and you would be in debt for a while

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Some concerns I have and fears about borrowing money for college is how long will I be in debt for and how much money will I be in debt. I know I might not be in debt because my financial status and how much my parents will help me, but I still feel like I wont get enough money or financial aid and I will end up having to borrow money. I fear that where I want to go will cost a lot since I want to go to a private school which usually cost a lot more.

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I feel that the pros could outweigh the cons of taking out a student loan to pay for college. This is because as long as you use your education to the most of your advantage, you could pay off the debt you owe in a small amount of time. I believe that education is your biggest investment in your life, so getting a great education is worth the cost and struggle you would have for 4 years to not struggle the 80+ years you life on after.

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I’m worried about borrowing money for college because I don’t qualify for financial aid since my parents’ income is too high. Even though they earn a good amount, paying for college is still very expensive. I’m concerned that I’ll have to take out loans and owe a lot after I graduate. It’s stressful to think about starting my future with debt, but I still want to work hard and find ways to afford my education responsibly.

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Some concerns I have are taking on a significant amount of debt that may take years to pay off, and borrowing money for college can be kind of nerve racking. I'm concerned that high interest rates may cause the loan to expand more quickly than I can pay it back. People also worry that they won't be able to find a good paying job after graduation, which could make repayment challenging. My credit score could suffer if I miss payments. In general, borrowing money seems hazardous, but it's occasionally required to pay for school.

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A fear that I have about borrowing money for college is not realizing how much I've put myself in debt. I feel like it could be very easy to lose track of how much you should be paying and how much interest you're paying. I also have a concern about messing up with my loans and throwing everything off track in the future. If I have to drop out because I can't afford school, then that means a lot more steps before I can think about trying to go back.

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I want to learn more about how student loans actually work, including the differences between federal and private loans and how interest builds over time. I’m also interested in understanding repayment options, such as income-driven plans or loan forgiveness programs, so I can make smart financial choices after graduation. Learning about how borrowing affects credit scores and future finances would also help me plan ahead. Overall, I want to feel confident that I can manage any loans I take responsibly and avoid long-term financial stress.

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I think the pros can outweigh the cons of taking out a student loan, but it depends on the situation. A loan can make college possible when you don’t have enough money, allowing you to get an education and work toward a better career. However, loans also come with interest and long-term debt, which can be stressful. If you borrow responsibly and have a plan to repay it, the benefits of going to college can make the loan worth it.

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I think college is worth the cost, even if it means borrowing money. College gives you tons of new experiences whether it is meeting new people, seeing a new place, or trying new things. I also believe that college helps you build a strong connection for getting a job. You could get an internship through a college or get a letter of recommendation from one of your professors. College can also teach yourself how to survive on your own.

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One concern I have about borrowing money for college is the fear of graduating with a lot of debt and struggling to pay it back. I worry that student loans could limit my financial freedom after college, like buying a car, renting an apartment, or saving for the future. I also think about how interest adds up over time, making the total amount even higher. It’s stressful knowing that borrowing now could affect me for years later.

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The concerns or fears that I have about borrowing money for college is how long I have to spend in order to pay everything back. I do not want that stress in my life that will last around 20 years. I am also worried that I am never going to be able to pay it all by myself if I get out too much money. Lastly, I am concerned about the process of borrowing that money and how hard it could be. (82).

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Something I want to learn about student loans is how to avoid student loans so I am not in debt and find other ways to get money without needing loans. I would also like to know what is the difference between federal loans and private loans. I am also interested in how the interest rate builds up overtime and how borrowing can affect your credits and long term finances. If I were to understand all of this it would help me make better decisions

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I want to learn how to choose the right student loan and how I could use a student loan to my advantage. I would like to know basically everything about student loans since I am ignorant on this topic. I would like to know how to repay in the most effective way and to not lose money. When would I have to pay the loan back and what would I do if I am not able to pay it back?

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I think it is worth the cost. College is expensive but I think its worth it if you know youre gonna get good money from your career in the future. So i think it can be worth it to some extent because you are getting good money from your hard work. However if the tuition is over 80k and its going to put you severely in debt i think there are so many other options for you to get the same degree you want.

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Some fears and concerns that I have about borrowing money for college are falling really far into debt. I do not want to fall into debt and pay back student loans that would take a long time to pay. Im scared of interest rates building up and making me pay a lot more money. If i go deep into this debt it would take me a lot longer to buy a house and car and other things that I need in life.

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I firmly believe that college is with the cost even if it means borrowing money, I believe this because I feel that the value of the education you get from college and the knowledge you gain in your desired field of study outweighs the value of the loans you may have to take. If you are able to land a good, high-paying career after graduating from your preferred major, then it would make those potential student loans worth it as you are likely able to pay it off with ease.

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I believe that the pros do outweigh the cons of taking out a student loan, as long as you're not burdening yourself with a bunch of them. The return on investment for your loan could be a lot more then what you paid, depending on your career and major. Without college, you could struggle for a long time if you don't find a good job. If you stick with college though and keep an eye on how much money you're borrowing, you could set yourself up for success for the rest of your life.

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A question I would ask a financial aid advisor before accepting a loan would be “what’s the interest rate on the loan?”. If it’s a really high interest rate then I wouldn’t want to be paying all of that because that’s how it takes longer for someone to finish paying off their debt. I wouldn’t want to be paying for years because of some interest rate. I’d also ask if I have to reapply every year or if it’s a one time thing.

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I think college is worth the cost, depending on how your financial situation and the work you did to reduce it. I feel like if you didn't work on reducing it at all, and you have to pay it fully, you aren't very smart. Why spend extra money if you possibly didn't have to? I feel like it is worth it to borrow money or to take out a loan if it is a manageable amount. If the loan is way too high and you know it will be hard to pay back, why get it in the first place? It's better if you go somewhere where you can either afford the tuition, or if the loan wouldn't be as much.

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Some concerns I have about borrowing money for college are paying it back. I don't want to have debt because what if I can't pay it back? I don't want to have to put that on my family or my partner. Having debt is not a fun thing, especially when it is a lot of money that needs to be paid back. It is genuinely a setback from anything you plan on doing in the future.

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I want to learn more about what I am signing when I do take out student loans. I don't want to be signing things I don't know about. I just want to be enlighten better on how Student loans work and how much I can take out at once. I also want to know how long I have to pay off my loans and debt. This is everything I want to know about student loans as of right now

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I want to learn more about how student loans actually work, like what the is difference between federal and private loans and how the interest adds up. I also wanna know what paying them back looks like after college and how long it usually takes. I’m also curious how loans affect your credit too. Mostly, I just wanna understand how to borrow money without getting into a ton of debt that’s super hard to pay off later.

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I'd like to know how student loans operate, including interest rates, repayment schedules, and the length of time it takes to pay them off. I would like to know the differences between federal and private loans as well as the available choices for forgiveness. Understanding how borrowing impacts credit scores and crucial financial decisions would be beneficial. I might be able to make better decisions if I have to take out a student loan after learning this.

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I think college is worth it depending on what you are majoring in and how much you are paying. like if you are majoring in something in the medical field or something with criminal justice I think it is worth it because those are things that you really need to learn to do and you really need a good education in because those things are very important things in life. so I think it really just depends on what you are majoring in

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I would like to learn how student loans work or the different types of loans. I would like to learn the best way to pay them back. I would also like to see real examples of paying a loan for a student debt over a set amount of years and see how much each payment truly is. I would like to understand how they work to get out of student debt quicker. I would also like to know what happens if I am not able to pay the loan back, and how would it affect my credit?

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What I want to learn about loans are how long it takes the average person to finish paying off their debt. If the average person takes about 20 years then forget that. It’s not worth being 40 still paying off something because of a decision you made at 18. If it’s low then that proves that you could finish paying off that debt at a much faster rate and it will also prove that using the loan in the first place was a good idea.

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I feel that college would be worth the cost, even if it means borrows money. This is because college will always be my biggest investment in my life. I also think that if you get a great education, you will obtain a great job that will give you financial stability. Ultimately taking out a small loan you know you could repay back is worth the cost if it means a better future to provide for your wants and needs.

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I think that college is worth the cost because taking out student loans, even if it’s more than you actually want to, is worth it if it means getting the education you need for your future career. Not going to college because you don’t want to borrow money will eventually be a mistake in your future because you won’t get paid as much for your job since you wouldn’t have attained that degree, and you would be limited to many opportunities. (81)

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Before accepting a student loan, I would ask a financial aid adviser several important questions. I would ask whether the loan is federal or private, what the interest rate is, and if it can change over time. I would also ask about repayment options, loan forgiveness programs, and any fees associated with the loan. Additionally, I would want to know the total cost of the loan, monthly payment amounts, and what happens if I miss payments or need to defer repayment.

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I feel like the pros do outweigh the cons of taking out a student loan to pay for college. I feel like if you take out a loan and you complete your education and move on to something like a job in that area you studied in it would be worth it. Especially if it pays really good, where you can pay it off quickly. I feel like the only way it would be bad is if you don't take action as soon as possible, and to not let the debt build.

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I think it depends on the cost and how much money you are taking out. I don't think it'll be worth it, if you are getting little financial aid and going to a private school costing over 80k a year. I think it'll be worth it going to a school that gives you good financial aid and so when you do take out money. Hopefully it only takes you 5-6 years to pay off. So I think its worth it depending on your future and how much money you are taking out.

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In my opinion, depending on the circumstances attending college may be worth the cost. Better employment, better pay, and useful skills can all be gained with a degree. Tuition and possible student loans, however, they can be expensive. It's crucial to balance the advantages and disadvantages of the debt and take into account other options including trade schools, community colleges, and scholarships. All things considered, if attending college aids in achieving long-term objectives without accruing unmanageable debt, it is worth it.

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Some things that I want to learn about student loans is how they actually work. How the process is for applying and how they decide interest rates. I also want to understand the differences between the different types of loans, and which ones are better in the long run because I dont want to fall in debt. Another thing I want to learn is how to avoid getting trapped in debt and if there are ways to get loans reduced through certain jobs or programs or anything.

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One thing I want to learn about student loans is how I can get the cheapest interest rate out of it. I've been wondering if there's different kinds that have different rates and which one would be the best for me. I also want to learn more about when I could start paying them off and if different loans have different time limits. I don't want to have a loan for the rest of my life, but I also don't want to be paying thousands more than the loan.

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In my opinion I think that there are many pathways to go to college and still be able to go at an affordable price. You can still have that opportunity without having to be in debt. You can always apply to scholarships or even go to community college which are basically free. Also if you know money is going to be a struggle, you can take dual enrollment classes so that the money you have to pay goes down. This is why I don't think going to college is worth it even if you need to borrow money since you can also go to a trade school/workforce or find another pathway.

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I think the cons out weigh the pros just in general. I feel like in specific majors the pros can outweigh the cons but just in general i think that the cons outweigh the pros because of the cost and time that you are putting in and the loans that you have to take out and the amount of things that you could learn outside of colleges by just doing work studies programs which is why I think the cons outweigh the pros.

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I know that you take out money from the bank to help pay for college and then you have to pay the bank back the money that you borrowed. You have to pay it back over a certain amount of time and this is considered your student debt. You must pay it back and it is often extremely expensive because you used that money to pay the price tag of college. I think you must pay it back before a certain time.

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I want to learn more about student loans, including how they work, the different types available, and the interest rates involved. I’m also interested in understanding the repayment options and how to manage loan debt effectively. Additionally, I want to explore the impact of student loans on credit scores and future financial decisions. Knowing this will help me make informed choices about funding my education responsibly. I would also like to learn more about how to avoid it.

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One concern or fear I have about about borrowing money for college is that I will be stuck in a cycle of debt. I am nervous that my student loans will affect my life after college like getting a house, car, or any other large purchases. I fear if I get hit with tons of student debt my credit will be bad and I will be unable to fix it. Another fear I have is that I will not be able to get enough loans to pay for college.

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I think the pros can outweigh the cons, but it really depends on the situation. Taking out a student loan can help you go to college when you couldn’t afford it otherwise, and getting a degree can lead to better job opportunities later. But the downside is ending up with a lot of debt that takes years to pay off. So, I think it’s worth it if you borrow smart and choose a career that helps you pay it back.

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I already know that student loans are money borrowed to help pay for college that has to be paid back, usually with interest. There are different types, like federal loans from the government and private loans from banks or other lenders. I learned this information from AVID presentations about personal finance, talking to Miss Morales, and reading articles online about paying for college. I also heard about it from family and friends who have gone to college and used loans to help cover costs.

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I think the pros outweigh the cons of student loans because college gives you great experiences. I think colleges allow you to make heavy changes in your life. It can provide new perspectives and allow you to learn from new things around you to help better yourself. I think with the right support, student loans shouldn't be that hard to pay off. If you use your college experience to the fullest, I think you should be able to secure a well-paying job soon after college.

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I think college can be worth the cost, even if it means borrowing money, but it depends on what you study and how much debt you take on. If your degree helps you get a good job that pays well, then the loans might be worth it in the long run. But if you borrow a lot for something that doesn’t lead to many job options, it might not be. It’s important to plan ahead and borrow wisely.

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I have a few concerns about borrowing money for college. I think it could be scary because it could create debt that might be hard to pay back. Especially if I don’t get a good job after graduation I think it will be even harder to pay back. I don’t know how long that debt will last too, so owing a lot of money can make it hard to do things like buy a house or save money.

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I already know that student loans are money borrowed to help pay for college that must be paid back with interest. I learned that there are different types, like federal and private loans, and that interest rates and repayment plans can vary. Most of this information came from my brother, who went to CSUN. He shared his experience with applying for loans, understanding repayment terms, and the importance of borrowing only what is necessary.

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I already know about the two major types of student loans, subsidized and unsubsidized. Subsidized loans are sweet, and you don’t have to pay the interest, whereas for unsubsidized loans, they are not sweet because you have to pay interest on them. I learned this in my junior year in AVID. I also know that the amount of loans you take out for college, you will eventually have to pay back later on in your life. I know this from all the adults around me. For example, my sophomore year English teacher told my class that she had just finished paying off the student loans that she had taken out during her time in college. (115)

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some things I would want to learn about student loans are the effects it will have on me later in life and how much time it will take me to pay everything back. I also want to learn about how it works and if there are programs that are mean to help students out with paying the money back. I would also want to know if there was a max amount of money you could pull out before they say no

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I don't know much about student loans, just that you take out money from a bank. I also know it's a little different than a regular loan. I also know you have a certain amount of time for you to pay the loan back. I learnt some of this stuff from my mom because she had a lot of student loan debt, but my dad helped her a lot with it. I also learnt this stuff from AVID and Mr. Sanchez talking a bit about it.

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I have concerns about borrowing money for college because I worry that I might not be able to pay it back and that interest will continue to grow. I don’t want to be in debt for something I can’t afford. I’m also concerned that having too much financial freedom might lead me to spend too much money, especially since I don’t yet know how to budget well. I want to avoid making financial decisions that I might regret later.

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Things that I would like to learn about student loans is how I could use it to my advantage, when is the best time or way to get student loans, and what is the best way to manage them in college and after college. Another thing that is important to me is how the interest adds up and if it does affect the credit score, how does it affect it? This wouldn't just help me during college, but it would also help me in the future.

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I believe college can be worth the cost, even if it means borrowing money, but it depends on several factors. College often leads to better job opportunities, higher salaries, and important skills for long-term career growth. However, it’s crucial to consider the type of degree, school costs, and potential return on investment. Borrowing should be done carefully, making sure the benefits outweigh the debt. If the degree supports a clear career path and marketable skills, the investment can pay off over time.

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I think college is definitely worth the cost. I've heard that your education is your biggest investment and I totally agree with that. Your education will set you up for the rest of your life so I think sacrifices can be made now so you can live the rest of your life without worrying about missed opportunities.

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I think the main concern I have about borrowing money for college is being stuck in debt because I know that they're difficult to overcome and pay for. As far as I know, it can take a couple of years, to even a decade to pay off student loans, and I wouldn't to worry about paying off an expense from my college days- especially when I have kids, a home, or other living arrangements to pay for. Overall, I want my future self to be as comfortable as possible financially, because with how the economy is now, living comfortably in the future may become extremely difficult.

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I want to learn everything I can about loans. I want to know how to make paying them back easier and how to handle my money so I don’t get stuck with too much debt later on. I want to understand how loans work, how to apply for them, and how to make sure I can get them successfully. I also want to learn tips and strategies to manage my loans without feeling stressed or overwhelmed in the future.

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Before accepting a loan, I would ask a financial aid advisor about the interest rates and whether they are fixed or variable. I’d want to know the total repayment amount, repayment options, and when payments start. I’d also ask about loan forgiveness programs, deferment or forbearance possibilities, and how taking the loan might affect my credit score. Lastly, I’d inquire about any fees or penalties for early repayment to fully understand the loan’s impact on my finances.

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Some concerns and fears I have about borrowing money for college are that I will feel overwhelmed with my student debt. I don’t want to constantly have the thought in the back of my mind, and the worry about paying off my loans. I know in the future I will have my own problems and challenges to deal with, and life would just be easier without my mind constantly thinking about another payment I have to make. (77)

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I want to learn about how we know what loans we are able to and want to receive, and I want to learn about how to even apply for student loans and what the requirements are. I want to learn about additional types of loans other than subsidized and unsubsidized, and also the pros and cons of these types of loans. I also want to learn if there are any specific benefits to getting loans versus not getting loans. (79)

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What I want to learn about student loans would be how they work and if they are all the same. I want to know how the interest rate works and if there is a limited time to pay back. I know there is a subsidized loan and an unsubsidized loan but I would like to learn more about it. I want to learn which one is better overall and which one would be a better fit for your needs. (79)