Web13 apr. 2024 · Now imagine that instead of paying that balance, you transfer it to a no-interest balance transfer card. If you can make a $625 monthly payment, you can pay off your personal loan within a year, saving over $2,000. As long as your balance transfer fees and prepayment penalties don’t exceed this amount, you’ve made a wise choice. WebIf you have limited or bad credit, federal student loans are undoubtedly your best option, because most do not require a credit check (the one exception is parent PLUS loans) …

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