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How to save money on student loans

by ValoreBooks

How to save money on your student loans

At ValoreBooks, we want to help you save money on all the costs of college — not just textbooks. That’s why we’re here to drop some money-saving knowledge about student loans. While borrowing for college may seem like one of the great mysteries of life, saving money on your student loans is surprisingly easy:

 

Borrow less

It may seem obvious, but the truth is that many students borrow more than they need. This happens when students don’t budget or borrow for extracurricular expenses like traveling home over break, a new computer they don’t need, or pocket money. But remember that all borrowed money must be paid back with interest—meaning the more you borrow, the more you pay over time. Budgeting makes it easier to avoid over-borrowing. Start by calculating exactly how much you’re going to spend each semester. Incorporate your savings and your earnings into that budget. Then only borrow what you need to make up the difference.

 

Borrow smartly

Not all student loans are created equal. For example, federal student loans usually have lower interest rates and more favorable borrower benefits than private alternatives. When you take out federal student loans, you may also qualify for student loan forgiveness after you graduate. Don’t think you qualify for federal student loans? Think again! Most students qualify for unsubsidized Stafford loans, regardless of their parents’ income. Students with low family incomes may even qualify for the cheaper subsidized Stafford loans, saving them even more money. It’s best to consider private student loans a last resort—after you’ve reached the federal borrowing limit, for example.

 

Compare your private student loan options

If you do need to borrow privately, remember to compare your options first. SimpleTuition makes it easy (and free!) to find private student loans and compare them by total cost, monthly payment, number of payments, and APR, or annual percentage rate. You can also learn about fees and borrower benefits, which could have a big impact on your total cost. In other words, planning ahead, knowing what’s out there, and making the right choice for you can save you money.

 

Plan for repayment

Many students don’t think about student loan repayment until after they graduate, only to discover they don’t know how much they owe, or what their monthly payment will be, or if they have enough income to pay for it. Planning ahead can save you the stress (and cost!) of missing payments. At the very least, keep a record of how much you’re borrowing each semester so you’re not surprised at the end of your education.

 


 

ValoreBooks is making it easy for savvy students like you to save money, make money, and get the most value out of your college experience. Save up to 90% on the cost of your textbooks when you buy or rent them here.

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Follow us on twitter Follow @ValoreBooks on Twitter

Want a Job? Start a Blog!

by ValoreBooks

Want a job? Start a blog!

Everyone has a resume and a LinkedIn profile. So how do new grads differentiate themselves during the job hunt? The answer: start a blog! Blogging can help you:

 

Network

Network

Not only does blogging connect you with individuals who have similar interests and hobbies as you, but it can also hook you up with job opportunities that may not have been available otherwise. Start by commenting on other bloggers’ posts to establish a connection or post a link to your blog on LinkedIn for potential employers to view.

 

Become a better writer

Become a better writer

If practice makes perfect, then the only way to become a better writer is to write more often. Consistently posting new content online gives you a platform and a reason to write! Who knows, you could become the next William Shakespeare! All kidding aside, clear and coherent writing skills are valuable in every industry.

 

Develop your personal brand

Develop your personal brand

Write about your favorite sport or how you feel about current events. Or, if you’re a photographer, post your portfolio. Your blog is a blank canvas! Use it to show who you are and what you care about. Sure, employers want to know what you’re good at. But they also want to know who you are as a person. Show them!

 

Build new skill sets

Build new skill sets

Starting a blog can make you a better writer. But it can also teach you other skills, like how to navigate WordPress. Not to mention HTML, SEO, and social media. Before you know it you’ll be a wiz-kid for the digital age.

 

Set yourself apart from other candidates

Set yourself apart from other candidates

How many friends or colleagues do you know that have a blog and actively post in it? Not many. Blogging will show what you’re passionate about, your ability to write professionally, and your expertise in what you choose to blog about. Standing out from the rest of the crowd is always a good thing!

 


 

ValoreBooks is making it easy for savvy students like you to save money, make money, and get the most value out of your college experience. Save up to 90% on the cost of your textbooks when you buy or rent them here.

Like us on Facebook  Like ValoreBooks on Facebook

Follow us on twitter Follow @ValoreBooks on Twitter

 

The best money saving tips from our customers

by ValoreBooks

 

Recently we asked you for your best money saving tips — how you spend less on food, books, fun, and more when you’re in college. Now we’re here to share your wisdom with the world! Read on and spend less:

 

Buy Groceries in Bulk

“If you cook, buy groceries in bulk (meats, snacks, frozen foods). You get more value for your money rather than buying the same in small packages. And it saves you trips to the grocery store!”

- Caroline Huang

 

Roommate with someone

“Roommate with someone and share the bills with them.” 

- Sandra Wilson

  

cook on weekends

“I cook on weekends and freeze the leftovers. This gives me meals all through the week and encourages me to not eat out.” 

- Paige Magelky

 

go to yard sales and thrift stores

“I can go to yard sales and thrift stores to buy fabric, yarn, thread, etc., to make blankets, clothes, or decorative items for my household. These items also sell well on eBay, Etsy, and other online places or can be bartered for things you may need.” 

- Anita Mitchell

 

park off campus and walk

“Parking passes are usually very expensive. Park off campus and walk, or use public transportation. It not only saves gas, wear and tear, but also helps the environment. It’s a win-win.” 

- John Albarado

  

start a money jar

“Start a money jar. Every time you have change or a spare dollar, keep adding it to the jar!” 

- Dolores Miranda

 

buy used textbooks 

“My biggest savings was to buy used textbooks or to sell any new ones that I had acquired. Secondly, I made my own lunches to save money, and of course I kept my grades up through each degree in hopes of gaining a scholarship for the next academic program.” 

- Cole McKinnon

  

add into your savings

“Add a designated amount of money to savings each week. It’s amazing how quickly even $25 each week can add up!” 

- Brandy Nelson

  

shop at valorebooks

“I literally shop at ValoreBooks exclusively for college textbooks. I am an Amazon Prime member and I do not even check the site for textbooks. I used to shop around but quickly discovered ValoreBooks has the cheapest textbooks 100% of the time. I have rented textbooks from other sites and their prices are ALWAYS higher.” 

- Trina Grant

  

dont buy expensive stuff

“My parents always told me to wait one full week before buying something over $100. Most often, I decided I no longer really needed that item.” 

- AT Otto

  

pay off credit card

“Don’t spend more than you have.  Pay off your credit cards every month!” 

- Jennifer Smith

 

reward yourself

“Every time I get a check, gift card, or allowance, I take 10% of all cash I receive and put it into my savings account. At the end of each month, I take 10% of the total amount saved and spend that on myself as a reward for my discipline. This motivates me to save for both the purpose of having emergency money and being able to buy myself a little something :)” 

- Christa Ferguson

  

dont spend your kept aside

“Always have a specific amount of your income kept aside. No matter how small or big your kept aside amount is, you have to swear on your life that you won’t use it. Once that part of income is aside, pretend it doesn’t exist.” 

- Farhad Kazi

 

 

ValoreBooks is making it easy for savvy students like you to save money, make money, and get the most value out of your college experience. Save up to 90% on the cost of your textbooks when you buy or rent them here.

Like us on Facebook  Like ValoreBooks on Facebook

Follow us on twitter Follow @ValoreBooks on Twitter

 

Space-saving dorm hacks

by ValoreBooks

Space-saving dorm hacks

Dorm rooms can be claustrophobic, especially if you’re sharing your space with another person. But that doesn’t mean you have to live in confined squalor. Instead, make the most of your space to store more and get more organized. Need help? Good, because we’re here with a few space-saving dorm hacks:

 

Build a bookshelf out of milk crates.

milk crates as shelves

Milk crates make good, cheap storage containers, but if you turn them on their side and stack them vertically you can make your very own bookcase for cheaper than you thought possible! Better yet, you’ll save room and have somewhere to put all your books.

 

Use bed risers to create more storage space under your bed.

bed risers

Lifting your bed a few more inches off the ground creates a whole new storage space, where you can keep school supplies, shoes, books, or whatever else fits under there. That can help you de-clutter your desk and your closet.

 

Get a mattress caddy.

mattress caddy (2)

You’ve probably already got a shower caddy for your toiletries, but did you know they make mattress caddies, too? In lieu of a bedside table, a mattress caddy saves space and lets you store everything from a box of tissues, your TV remote, books, your glasses, and more.

 

Try a hanging hamper.

hanging hamper

Floor space is valuable real estate in a dorm room, so don’t waste it by piling your dirty clothes on the floor. A hanging hamper can hang from your closet door, making it easier than ever to keep your dirty clothes out of the way.

 

Use a folding TV tray table—for just about anything!

folding TV tray table

The cool thing about folding TV tray tables is they’re cost effective. And, you know, they fold up, making them easy to slide under your bed when not in use. Better yet, you can use it for eating, studying, or even ironing your clothes.

 

Need more tips? Make sure to check our other ideas to organize your dorm room!

 

ValoreBooks is making it easy for savvy students like you to save money, make money, and get the most value out of your college experience. Save up to 90% on the cost of your textbooks when you buy or rent them here.

 

Campus Life Tricks: Dining Hall Food

by ValoreBooks

Coming back to campus after winter break is bittersweet: you get to see all your friends again, but gone are the days of long naps on the couch, endless hours of Netflix, and amazing home-cooked meals. Once again, you’re stuck eating food from the dining hall. But fear not! There are ways to spice up the menu. Get creative, combine ingredients, and make food items of your own devising. Need ideas? We’ve got some for you:

Pizza-Bagel

Pizza bagel

This is one of the easiest and the tastiest foods you can make in the dining hall.  All you have to do is to grab a bagel, slice it in half, and add tomato sauce and mozzarella cheese. Then, just pop it in the microwave! (If you prefer a crispier bagel, try toasting it first). Pro tip: Add toppings! You can add chicken, ham, or turkey slices, spinach, red pepper, onion, mushrooms, pineapple or olives. Yum!

 

trail mix

Trail mix

Stock up on nuts, peanuts, M&Ms, and chocolate chips from the ice cream section; sunflower seeds, dried cranberries, raisins, and almonds from the salad bar; and your choice of cereal from the cereal bar. Combine in a bag and you’re all set! Perfect for class.

 

parfait

 

Breakfast parfait

Combine cereal, nuts, granola, and yoghurt with bananas, strawberries, mangoes—or any other fruits you love—in a cereal bowl. Put the fruit in first, then yoghurt, and the cereal, nuts, or granola on top. Easy, delicious, and healthy.

 

sandwiches-perfectduet

Ice cream sandwich

Tired of all the boring desserts? Try using two cookies—or, better yet, two brownies—to make an ice cream sandwich. You can even sandwich the ice cream between two different kinds of cookies for maximum flavor!

 

quesadilla

Quesadilla

It’s not Mexican night at your dining hall? No worries! Place a flat-bread on a plate, add on your favorite cheese, veggies, and beans and microwave! Here is your new favorite quesadilla!

 

panini sandwiches

Panini sandwich

If your dining hall has this heavenly machine, make use of it, now! Use your salad bar for healthy choices and cheese in between your favorite choice of bread. (You can also basically panini everything from PB&J and Nutella sandwiches to waffles.)

 

 

ValoreBooks is making it easy for savvy students like you to save money, make money, and get the most value out of your college experience. Save up to 90% on the cost of your textbooks when you buy or rent them here.