Student Perspectives

Grad Navigator Blog

Short, punchy takes on graduate borrowing, refinancing, and repayment — written in plain language by students for students.

Refinancing · 5 min readFeatured

Refinancing Student Loans, Explained

Refinancing can cut your interest rate or lower your monthly payment, but can also cost you protections you can't get back once they're gone. Here's the actual tradeoff.

Student Editorial Board Updated 2026Read article
Interest Rates · 4 min read

Student Loan Interest: by the numbers

Federal student loan rates rose again for the 2026–27 academic year. Here's what that actually costs you, and the one loan type that's now gone for good.

Student Editorial Board Updated 2026Read article
Borrowing 101 · 3 min read

Student Loan Types

There are three federal loan programs and multiple private options. Here is a cheat sheet breakdown of subsidized, unsubsidized, PLUS, and private loans.

Student Editorial Board Updated 2026Read article
Law School ROI · 5 min read

Which Law Schools Are Worth It?

A J.D. can lead to high future earnings but also comes at high cost. Here's a data-backed look at the law schools with the highest lifetime ROI.

Jaylen Peng Updated Sept 2026Read article
Policy & Future · 4 min read

Student Loans Political Background and Future

The One Big Beautiful Bill Act made significant changes to student loan programs. Here's why that happened and what's scheduled to take effect through 2028.

Carson Jung Updated Sept 2026Read article
UF Spotlight · 4 min read

University of Florida: A Top-Tier Value

The University of Florida (UF) offers nationally ranked academic programs, competitive post-graduation placement and a robust alumni network all at a fraction of the price.

Peter Foulke Updated Sept 2026Read article
Ph.D. ROI · 5 min read

Which Ph.D. Fields Are Worth It?

A Ph.D. can significantly boost your career prospects but requires time and money. Here are the programs with the highest salaries and strongest job growth.

Jaylen Peng Updated Sept 2026Read article
Tuition & Inflation · 4 min read

Tuition vs. Inflation: Which Has Grown More?

As inflation occurs, the price of everything increases. Has the rise in higher education tuition outpaced inflation? A 1990–2026 data breakdown.

Jaylen Peng Updated Sept 2026Read article
Public vs. Private · 4 min read

Graduate School: Public vs. Private

There are over 1,000 universities in the U.S. that offer graduate programs. Understanding the difference between public and private institutions can set you up for success.

Jaylen Peng Updated Sept 2026Read article
MBA ROI · 5 min read

MBA Programs: Does Prestige Matter?

How much does ranking and name recognition influence your MBA ROI? A data analysis comparing Top 10 highest ROI MBA programs and Top 10 Value MBA programs.

Carson Jung Updated Sept 2026Read article
Clemson Spotlight · 4 min read

Clemson: The Best of Both Worlds

Clemson delivers a well-rounded college experience through excellent academics, storied traditions, and vibrant campus life. A data breakdown of enrollment growth and graduate outcomes.

Student Editorial Board Updated Sept 2026Read article
AI & Education · 4 min read

AI Use in Higher Education

The advent of AI is not only changing the value of higher education, but also what the experience within degree-granting programs looks like. A data breakdown by Jaylen Peng.

Jaylen Peng Updated Sept 2026Read article
Financial Aid · 5 min read

FAFSA Deadlines

Prospective graduate students for fall 2027–2028 must navigate school-specific priority deadlines that arrive months ahead of the federal cutoff. A review of 10 notable universities, school codes, and institutional aid rules by Peter Foulke.

Peter Foulke Updated Oct 2026Read article
FAFSA 101 · 5 min read

FAFSA Explainer

The FAFSA helps determine who gets billions of dollars in grant money and federal student loans each year. Most of what it calculates comes down to one formula that most families have never heard of: the Student Aid Index.

Carson Jung Updated Oct 2026Read article
Law School ROI · 5 min read

Value Law Schools for Elite Outcomes

Affordable tuition and elite outcomes are not always mutually exclusive when it comes to law school. Five top-value law schools for prospective 1Ls aiming for BigLaw, federal clerkships, and high-return legal careers.

Peter Foulke Updated Sept 2026Read article
Policy & Accountability · 5 min read

Federal Aid Cuts to Low-Earning Programs

Under a final rule under the One Big Beautiful Bill Act, college and graduate programs whose alumni fail post-grad earnings benchmarks risk losing access to federal student loans and Pell Grants.

Jaylen Peng Updated Oct 2026Read article
OSU Spotlight · 5 min read

Ohio State: A National Leader in Graduate Study

Ohio State is more than college gameday and tailgates. The Midwest flagship offers 289 graduate degrees, $1.68B in research spending, and top-tier career outcomes. Analysis by Peter Foulke.

Peter Foulke Updated Sept 2026Read article
Interest Rates · 5 min read

Student Loan Interest Rates History

A 60-year history of federal student loan interest rates: from flat statutory rates in 1965 to variable formulas, the 2013 Certainty Act, pandemic 0% freeze, and 2026 rates. Analysis by Carson Jung.

Carson Jung Updated Sept 2026Read article
Graduate School · 4 min read

When Should You Get a Master’s Degree?

A master’s degree can boost long-term career prospects and future earnings. But when is it not worth it? An age, opportunity cost, and payoff analysis.

Jaylen Peng Reviewed Sept 2026Read article