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If you have plans for higher education after high school, you need a way to pay for it. The average graduate leaves college with $37,000 in debt. That’s a big debt to start adulthood with – but it’s necessary to get the education you need. Before you take just any student loan offered to you, learn about the best student loan companies, what to look for, and how to apply for top student loans. A student loan is money you borrow from the government or a private lender to pay for college (tuition, room, and board, and various other fees).

Finding the best auto loan companies is important when you buy a car. Even a difference of a few points on a loan APR can cost you thousands of dollars over the loan’s term. Knowing the best auto loan companies to use and how to qualify is important if you want the best auto loan available to you. If you can’t pay cash for a car, you need an auto loan or money borrowed to pay for the car. Auto loans are secured loans because you put up the car as collateral. If you default on the loan (usually for more than 90 days) the bank can repossess your car, liquidating it to make back the funds.

If you need money now and don’t have collateral, such as a house or car to use, you may need a personal loan or even a secured personal loan for poor credit. Personal loans are often easy to qualify for, processed fast, and give you the funds you need in a matter of days. While you can go to your local bank for a loan, they often have strict guidelines that many borrowers can’t meet. Personal loan lenders, on the other hand, are more flexible and can fund your loan in as little as a day or two.