Having trouble keeping up with your student loan payments? Lower payments or no payments at all may be a phone call away. Read this press release from the U.S. Department of Education to find out how you may qualify for program.

Question: I will be applying for a private student loan within the next few months and want to be assured approval. I have little credit history and no one to co-sign with me. I have one credit card which I started using in June. Will four more months of using this one credit card [...]