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May 29, 2013

Student Loan Hero – Helping Smart Grads Pay Off Their Loans

ss-loanhero
Taking out a loan as a college student is easy. It’s paying that money back as a recent graduate that’s the hard part. Student Loan Hero is a web-based platform that aims to help, providing recent college grads with the tools they need to make smart financial decisions and repay their loans in record-setting time.

Take the first step in eliminating your student loan debt by creating a free Student Loan Hero account. Enter your personal information, like your name, date of birth, social security number, and federal PIN, and Student Loan Hero will retrieve your loan information from the NSLDS (National Student Loan Data System). You’ll also need to answer a series of questions about your financial health to give Student Loan Hero a better idea of your current financial situation. Student Loan Hero will use all this information to break down your loans and show your estimated monthly payments, total amount outstanding, and average interest rate. The application will also analyze your debt and provide you with information about what it thinks are your best repayment options.

Student Loan Hero helps people save money by running amortization schedules and identifying which of the 30+ government repayment programs they qualify for. The platform also provides users with tips about deducting student loan payments from their taxes, and includes a glossary of the most commonly used loan repayment terms.

Practical Uses:

  • Get all your student loan information together in one place
  • Find out whether you qualify for any government repayment programs
  • Learn how much money you could save over the lifetime of your loan by making extra payments each year
  • Determine which student loans you should pay off first

Insider Tips:

  • Student Loan Hero gathers loan information from a variety of sources, including the NSLDS
  • Any loan errors should be addressed with the lenders themselves
  • For the most accurate repayment suggestions, users should complete the Advanced Information section of their profiles
  • Student Loan Hero protects its users’ information with bank-level security and encryption

What we liked:

  • Student Loan Hero can help people pay off their debt sooner
  • The app automatically pulls in all of a user’s loans
  • People can learn more about savings programs by reading the tips that Student Loan hero provides
  • Student Loan Hero offers a financial dictionary that users can refer to when they’re confused about specific terms

What we didn’t like:

  • People who use Student Loan Hero may be targeted with offers for loan refinancing and auto loans in the future

Alternatives:

Company Info:

  • Launched: October 2012 (Beta)
  • Privately Held
  • Headquarters: New York, New York
  • Founded by: Andrew Josuweit and Evan Shoemaker
  • Web site: https://www.studentloanhero.com

Costs:

  • Free

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