student loans Archives - Marc Kalter Grant

Student reviewing loan forms and a college budget before borrowing extra funds

What Students Should Know Before Taking Extra Loans

by Marc Kalter
August 12, 2026August 14, 2026

Extra student loans should cover only verified education costs you can’t pay through grants, savings, work, or a payment plan. Borrowing more than you need can turn a short-term refund into years of interest, larger monthly…

Student reviewing a college budget plan to earn a debt-free degree with fewer student loans

Debt-Free Degree: A Step-by-Step Plan to Minimize Student Loans

by Marc Kalter
May 17, 2026May 12, 2026

A debt-free degree starts long before you accept an admission offer. You minimize student loans by choosing a low-cost college path, locking in grants and scholarships early, shortening time to graduation, covering the remaining gap with…