Hey y'all please I know it's scary but if you've graduated in the past year make sure you know exactly what's up with your student loans (federal and private).
You should have gotten emails from places like Advantage or Navient or whatever pestering you about your loans and you may want to ignore them thinking they're scams. No they are your loan servicer, corporations that the government hands over management of your federal loans to.
The email should tell you how to register for an account which will let you see your loan payments. They'll probably be in the hundred's of dollars depending on how long it's been since you graduated.
Don't fret! Thanks to Bidens efforts (the like one good thing he's doing), you can easily get put on the SAVE plan, where the department of education pays your interests and you make minimum payments based on your current income (which, if you're following me, probably isn't that high).
Honestly, I'd recommend calling and asking about the SAVE plan. The lady was actually super nice (I have aidvantage so your experience may differ) and my minimum payments went from like $400 a month to $0 (now they're $10 bc I got a raise last summer)
And please, for the love of god, keep an eye on your account. I thought I had set up autopay but for the past couple of months autopay wasn't on, so I got charged $30 in late fees.
These loan servicers will try to wring as much money as they can out of either you or the government. You need to babysit them and make sure everything is up to snuff.
I'd also recommend saving and making large payments every once in a while to push down your total debt. That's what the SAVE plan is great for. Instead of using all your money to pay for interest, you use that money to push down the principle.
