Truth is, there is a lot to be excited about when it comes to college: new friends, a new routine, (college parties!), and more independence. But along with all these perks, it’s also time to start thinking about your finances.

Whether you’re reaching your final year of high school or just planning your education ahead of time, it’s important to know your options.

College is expensive, but luckily there are a lot of available options to some financial help. You may be able to get a scholarship or grant, or you may have a small source of income if you work part-time. You also may need to borrow money throughout your collegiate years in the form of a loan.

The responsibility of taking out a loan may seem overwhelming, but understanding student loans and student loan terms before you borrow could prevent financial hardships and allow you to decide which loan options are best…

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