No, haven't bought any loan in my life for me. I don't like taking loans and paying interest. My father had taken loans and has loan in his name (not a student loan). I use my credit cards to buy things and pay for them after 20 to 50 days without any interest. A few of my friends used my credit card to buy things for them in EMI and pay the amount to me every month, I'm a bit uncomfortable with that and I have to avoid it in the future.
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1. I think they should choose colleges which have lower fees.
2. If the student loan has 6% interest then they should get a long term loan of 5% or lower interest and pay the student loan which will reduce the burden. They should reduce the expenses like car and pay the loan.