Defaulting on student loans can have serious consequences like student loan wage garnishment wherein the US Department of Education can instruct employers to withhold a portion of the employee's salary in accordance with the wage garnishment laws.

When a student graduates from college, he or she is faced with the challenge of securing a place in the workforce using the knowledge gained from years of school as well as the degree obtained. This process can be daunting to say the least, with factors influencing the former student's decisions such as overall wage, potential for earnings, benefits and even pride in the type of work.

Student loan consolidation and rehabilitation programs may help borrowers repay defaulted student loans.

Let's start at the begining. You have to score well on your SAT test. If you choose the military, you have to score well on the ACT test. I feel queezy thinking that this is the most important part of moving on, because it is not. Making good grades in highschool is the most important part of moving on to the college of your choice. Extra-curricular activities improve your visibility to colleges all over the country (they can see that you can multi-task successfully).

What is the ACT and what is a good ACT score? How helpful is the ACT in getting admission into a college of your choice? Find out here.

What is the difference between the SAT and the ACT? If you are wondering whether or not you have to take these tests, then you should know that you don't really have to take them at all. There are some colleges out there that do not require any of the tests and simply go by your GPA. Keep in mind, however, that most of these colleges would require an extremely high GPA if that is all they would go by in terms of scores.

Scores are very important to universities. Higher scores mean a higher ranking for them. Top universities such as Harvard and Yale won't even glance at your application unless you have scores that meet their minimum scores. Both the ACT and SAT scores can and most likely will be used as part of their application percentiles which means, if you scored on the seventy-fifth percentile, which is a decent score, that score will be looked at by the college.

If you plan to attend college, most schools will request an ACT score. In fact, the score from the ACT is requested by colleges more often than from any other standardized test. This test, which is administered in all 50 states, includes 215 multiple-choice questions in the subjects or English, math, reading and science, as well as an optional writing section. Many schools can tell applicants the average score for their students. The national average ACT score tends to be around 20-22 out of a possible 36. Since most colleges, including all the Ivy League universities, accept ACT scores for admission purposes, it's a good idea to take this test even if you aren't sure which schools you wish to apply to. The test can be taken during your junior year, giving you plenty of time to retake the test if you want to try for a higher score.

Graduate and professional students can borrow money for school through the PLUS Loan Program.

Private student loans - what are they ?

The private student loans that are there are also called the alternate student loans. These loans are generally given to supplement the loans that are given by the federal government like the Stafford loans or the Perkins loans as well as the PLUS loans.

The SAT Reasoning Test is a standard test used for college admissions in the USA. It is a test that is owned and published by the College Board and is scored by the Educational Testing Service, which also administers the test. The SAT is said to determine if a person is ready for college.


It takes three hours to complete the SAT and the possible score for each student range from 600 – 2400. The test consists of three sections each carrying a maximum score of 800 which are