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Creative Marbles Consultancy

Creative Marbles Consultancy

Education is an investment to be considered wisely.

Tag: Unsubsidized Student Loan

Does a Free Lunch Exist?

Jill Yoshikawa, Ed M, Partner of Creative Marbles Consultancy / August 14, 2015

Here’s how to borrow $127,000 in student loans, only repay $87,000 over twenty years, and have the U.S. Government pick up the tab for the $450,000 still owed at the end of the repayment period.  [Notice the quadrupling effect on the total balance owed because of the interest that accrues in the two decade long repayment period?…

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Welcome to the New Adulthood

Jill Yoshikawa, Ed M, Partner of Creative Marbles Consultancy / June 27, 2015

For most of us, moving out of the parental units’ house is the ultimate signifier of adulthood.  So, what’s the threshold defining adulthood for the growing numbers of 25 year olds, who live with their parents (even after moving away for college)? Since 2002, parental co-residence rates have only risen:   And, in 2012:  

U.S. Congress Considering Student Loan Interest Rate Increase

Jill Yoshikawa, Ed M, Partner of Creative Marbles Consultancy / May 25, 2013

Federal student loan interest rates on subsidized* (see below) loans are set to rise from 3.4% to 6.8% on July 1, 2013.  (Note: the interest rate for unsubsidized Federal student loans, in which interest begins accruing from the date of the loan, is currently 6.8%.)

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