Savvy ways to pay for college

Paying for college can be a major expense, but there are ways to do it right and for less money.

Sallie Mae's 1-2-3 approach to paying for college: See the most cost-effective way to pay for school.

Borrow only what you can afford: Calculate your debt-to-income ratio. (That's what lenders do.)

Using private loans to pay for school: After maximizing all free money and fully exploring federal loans, private student loans are another way to cover college costs.

Credit, debt, and you

Learn 10 rules of smart credit management

Three debt savvy tips now that you are in school: Graduate on time, make payments now if you can, and keep track of your paperwork.

Keep your debt level low: Most students are on a limited budget. Here are some ways to be debt savvy about your daily finances.

Are you having financial difficulties? Recognize the signs and take action early.

Be debt savvy with credit cards: Use them wisely.

The ins and outs of your credit score: See the effects your score can have on your everyday life.

Understanding your credit score: See what's in your credit report.

Credit scams: "Got credit problems?" You'll have more if you fall for these scams.

Two easy ways to protect your privacy (and keep telemarketers and credit offers at bay)

Guard against identity theft

What should I do if my identity has been stolen? Take these three simple steps and limit the damage.

Bankruptcy and student loans: The laws have changed.

When it's time to leave school

Are you leaving school soon?

Know what you owe so you can manage it wisely.

Choose the right repayment plan: Make your student loan payments more manageable.