Student Loans Without the Misery

You borrowed $20,000 and somehow owe more than that before you've made a single payment. It isn't a mistake, and it isn't magic. It's how student loans work.

This book explains how, from scratch, with real numbers.

💡 WHAT YOU'LL LEARN

✔️ How a student loan actually works, and when the interest clock starts

✔️ Federal vs private loans, and the different rulebooks they follow

✔️ Subsidized vs unsubsidized, and what capitalization really costs

✔️ How repayment works, and why a longer term means a lower payment but not a cheaper loan

✔️ Income-driven repayment and forgiveness, including the big 2025–2026 federal changes

✔️ Deferment, forbearance, default and refinancing, plus questions to ask before you borrow

📖 WHAT'S INSIDE

✔️ 30 pages

✔️ 12 worked examples

✔️ 12 practice problems with full answers

✔️ Two worksheets: "my loans list" and "what my loans really cost"

✔️ A "Try This Now" action page, a glossary and a one-page summary

🔒 No servicer or lender names. It never tells you which plan to choose, and it points you to StudentAid.gov for current rules.

👉 Want all five? The Life Money Bundle has this book plus four more and a bonus workbook for $47.

Educational only. Not financial or legal advice. US federal rules as of 2026. Instant PDF download.