"Some of the most intense counseling with students in graduate school centers around the many issues involved with their undergraduate loans," said Eileen Felske, director of financial aid at Caldwell University.

The benefit of making even small payments while still in school is that it helps build credit early and can set you up for a higher, more established credit score than your peers who deferred all payments while in school.

CU Grad for consolidating your student loans: Family First, in partnership with Lendkey, can help you refinance and consolidate as little as $7,500 or as much as $125,000 in undergraduate private student loan debt or $175,000 in graduate debt. A: Applying with a creditworthy cosigner not only increases your chance of approval, but also may lead to a lower loan rate Q: What are some tips to keep in mind?

CU Scholar for Current Students: Family First, in partnership with Lend Key has low cost student loans that are designed to meet your education needs*.

Borrow as little as $2,000 up to the amount of attendance per academic year for a maximum of $120,000 in undergraduate loans and $160,000 in graduate loans.

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.

A: Remember to: * Private student loans should be used as supplemental funding after exhausting all other sources of financial aid, including grants, scholarships, and federal student loans.

Federal loans offer more attractive terms when compared to most other borrowing options, including private student loans.

Applying for a student loan consolidation or refinance will require much of the same information as applying for the original loan.