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Over the past decade, college costs and fees have risen 3.5% faster than inflation each year on average.

This means that affording college is harder than ever.

Actually, some borrowers, especially those with good credit and income, already have refinanced their student loans to reduce their interest rates and save thousands of dollars over the life of their loans with private lenders.

best lenders for consolidating student loans-65best lenders for consolidating student loans-62best lenders for consolidating student loans-52

When you graduate or leave school, your student loan will go into repayment and you will need to assess whether or not your loan is really the best deal out there.

The best private student loans offer low rates, rate discounts and a variety of incentives.

We found Citizens Bank to be the best in our private student loan review. Private student loans can be confusing, but for many people they can help make college affordable.

The first place you should look for help paying for school is scholarships and grants. If you’ve maximized those opportunities, see if your college offers a work-study program.

Work-study jobs are government-subsidized and are available to students who demonstrate financial need.

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