funding back cards government graduate grace able conditions situation student fico repayment parents rates services longer lenders lower process professional look students benefit easier talk debt important life education checklist school typically financial health choose higher creditors plus early schedule card credit month full secure years unpaid option union penalties program consolidation secured multiple stafford great mind options application work offer payments subsidized specific complete thing remember making question perkins loan bank number going amount benefits answer high monthly idea income online federal money interested unsubsidized college university consolidate terms looking fees deal period private bills eligibility consider course heal interest • finances factors needed rate payment associated outstanding lender provided