• To lower your monthly payment, you can refinance or modify your loan, consolidate your debt, seek financial assistance, or increase your income. However, be aware that lowering your monthly payment may result in higher overall interest costs over the life of the loan. Be sure to consult with a financial advisor or lender before making any decisions.

  • To increase your chances of studying at a prestigious university, research your options, build a strong academic record, prepare for standardized tests, write a strong application essay, secure strong letters of recommendation, and apply for financial aid.

  • To invest when you don't have money, start small with low-cost index funds or use micro-investing apps, participate in a retirement plan, consider peer-to-peer lending, and save money to invest in the future.

  • When you get a loan, you typically receive the loan funds as a lump sum payment. You then repay the loan over time, usually with interest, in regular installments until the loan is fully paid off. The repayment terms and schedule may vary depending on the type of loan and the lender.

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