How to Pay Student Loans During the Next Recession

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The next recession isn't a question of "if," it's a question of "when." Whether you're holding federal loans, private refinanced debt, or a mix of both, your strategy needs to account for what happens when the economy turns. We break down how credit markets actually affect your ability to refinance, why your required payment matters more than your interest rate, and the moves you can make right now to protect yourself before it's too late.

Key moments:
00:00 Introduction
01:40 Why slowing down payments in a recession can be a smart move
03:27 The problem with private student loans when the economy turns
05:36 How borrowing conditions in the broader economy set your refinancing rates
08:15 What happened to the refinancing market during COVID and 2008
11:14 Restructuring your loans now to prepare for a downturn

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