Online Credit Report

Student loans do come with some benefits: You can claim a tax deduction of up to $2,500 on your interest if you make less than $65,000 as an individual or $135,000 as a married couple. In lean times, you can get a forbearance or deferment. (A deferment is better; with forbearance you’re still accumulating interest.) Depending on the loan, you won’t have to pay while you’re in school or the Peace Corps. With student loans you have the option to pay a set percentage of your income or to stretch out the loans for 25 years. If you die, a student loan is forgiven.

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