Bernadette Joy and AJ Maulion How much: $309,800 in 3 years Bernadette Joy Maulion, 34, went to business school part time after a career in human resources, hoping to start a new chapter in her professional life. School wasn’t cheap, and she took out $72,000 in student loans. She and husband AJ, 37, had a $57,000 … Continued

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One Starbucks grande Cold Brew with Salted Cream Cold Foam, please. Even if your order sounds fancy, enjoying your coffee shouldn’t have to put you over budget. Whatever your drink of choice, following these tips could help keep you from overspending at your favorite coffee spot — without giving up your habit. Write a money … Continued

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Tammy Trevino wasn’t sure whether to borrow a federal student loan or a private student loan for her daughter’s education. Then she learned federal loans come with an origination fee that private loans typically don’t. “I was surprised,” says Trevino, 52, from Victoria, Texas. “My assumption was [federal loans] would be the best, easiest option … Continued

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