No matter what you've read online, there are no secrets or tricks to handling your student loans, and there are no shortcuts to doing your homework. The "proven plans" usually aren't very sexy, and everyone's situation is different. The details matter, and they matter a lot. This is the comprehensive guide for dealing with student loans, written to concisely cover a complex topic and give you the tools and background you need to handle the big investment you've made in yourself. Topics include: - Borrowing less and minimizing interest accrual during school - How Federal Loans Work & Federal Repayment Options - Income-driven repayment (IBR, PAYE, REPAYE, and ICR) - Federal "Direct" Consolidation - Forbearance & Deferment - Public Service Loan Forgiveness - Maximizing PSLF - Long-Term Loan Forgiveness & Loan Repayment Programs - Private Refinancing - Taxes & Retirement Visit: www.benwhite.com (Also note: Medical students and physicians should instead read Medical Student Loans: A Comprehensive Guide, a separate book written to address multiple issues unique to doctors.)