Author Profile: Kristen

Kristen

Kristen, Guest Blogger for ReadyForZero. Kristen Hawley is a professional freelance writer who enjoys writing about personal finance topics - especially student loan debt.

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The (Forgotten) Value of Your Education

Value of Your Education - Alumni Networks

Nine years post-college and nine years into loan repayment, watching hundreds of dollars each month disappear, my memories of college are sadly checkered. It’s been long enough to grow into a completely new phase of my life, but the sting of loan repayment can still leave a bad taste in my mouth thinking about my four expensive undergraduate years. Sadly,…

Morality And Student Loans

Thanks to recent legislative decisions, student loans are all over the news. While politicians debate the future of our loan interest rates, we’re still required to pay our loans every month. When we’re sick or underemployed or with finances otherwise spread thin, we still pay them. Why? Because we borrowed the money and we need to pay it back. Responsible…

What Happens When You Stop Paying Your Student Loans

Stop paying student loans

Student loans are, for many people, one of the first wake-up calls in Real Adult Life. While we may be used to paying cell phone bills, credit card bills, and even monthly rent, adding another hundreds-of-dollars payment to a monthly budget can feel like a massive smack to the face. And with little to no experience with these sorts of…

Should I Defer My Student Loans?

Should I defer my student loans

Generally, student loans are taken out for each year of school — so if you’re in a four-year undergraduate program, you’ll graduate with at least four separate loans, one for each year. (This is when, and why, loan consolidation comes into the picture.) The reason you don’t have to pay on each loan as it is disbursed is something called deferment, which…

The White Horse of Student Loan Relief

White horse of student debt relief

Are you burdened by student loan debt? If so, have you looked into ways to lower, extend, or end your student loan payments? I’m guessing the answer is probably “Yes.” After all, when you are feeling the pinch, you want to find solutions that can help you. But it can be hard to understand how all these various programs work…

Should I Do Forbearance?

Forbearance

Kristen Hawley is a freelance writer with a personal interest in student loan debt. She blogs here to help others understand exactly what’s happening in the student loan universe. “Should I do forbearance?” It’s a question many of us have asked. If you’ve read the fine print on your student loan paperwork (or have been in the dire straights of needing…

How to Deal with Your Student Loan Debt

How to Deal with Student Loan Debt

The author of this guest post is Kristen Hawley. Kristen is a freelance writer with a personal interest in student loan debt. She blogs here to help others understand exactly what’s happening in the student loan universe. Last year, average student loan debt in the US rose to $20,326 per borrower; nearly double the average amount from a decade ago. Leaving…

The Current State of Student Loans

Current State of Student Loans

The author of this guest post is Kristen Hawley. Kristen is a freelance writer with a special interest in student loan debt legislation thanks to borrowing six figures to finance her own education. She blogs here to help others understand exactly what’s happening in the student loan universe and how to best manage their current situations for future success. Student…