Staff Writer

Cecillia Barr

Cecillia Barr is a graduate of the University of Central Florida. She blogs about her extensive knowledge on student loans in order to help others reduce their debt and live financially independent lives.

There are two paths of relief for those having trouble making payments on their federal student loans: Deferment and forbearance

Forbearance and Deferment

By Cecillia Barr | March 26, 2020

  There always has been two paths of relief for those having trouble making payments on their federal student loans: Deferment and forbearance. Then, the coronavirus came slashing through the U.S. economy…

There are many different types of loans to help you fund your education.

Types of Student Loans

By Cecillia Barr | October 1, 2019

  Though there are two major sources of student loans — federal and private – the federal side dominates the action, both in amount of money available and loan repayment…

Businessman holding in focus card that says "Perkins Loan" with both hands with out of focus skyscraper window in background

Perkins Loan Information & Eligibility

By Cecillia Barr | September 21, 2018

The federal government discontinued the Perkins Loan Program on Sept. 30, 2017 in a continuing attempt to streamline its ever-growing and inefficient system of funding college education. The end of…

Playing The Financial Aid Game Infographic

By Cecillia Barr | August 7, 2012

Share this Image On Your Site, please include attribution to <p><strong>Please include attribution to with this graphic.</strong></p><br /><br /> <p><a href=’’><img src=’’ alt=’Playing The Financial Aid Game Infographic’ width=’100%’…

Job seekers at unemployment lines

Working for Free Is a Valuable Option to Unemployment

By Cecillia Barr | June 13, 2013

Finding a job isn’t easy these days. We all know that. The Bureau of Labor Statistics shows the unemployment rate for May was 7.6 percent — a figure virtually unchanged…

Huffington Post Live interview with Cecillia Barr of’s Cecillia Barr Talks Student Loans on HuffPost Live

By Cecillia Barr | June 12, 2013

I had an opportunity to take part in a live panel discussion Tuesday night on HuffPost Live discussing the proposed student loan interest rate hike. Some background: Student loan rates…

College graduates in diploma ceremony

Graduate School Isn’t Worth the Money

By Cecillia Barr | May 16, 2013

Before you aggressively defend the postgraduate degree, the experience gained obtaining it or its usefulness, let me tell you why it’s not worth the bother. I’m $27,000 in debt because…

Noi Pinheiro funeral costs

Avoiding Medical Debt after Unexpected Death of a Parent

By Cecillia Barr | May 1, 2013

My mother passed away six months ago. It amazes me how fast time goes by. It feels like just yesterday when I was standing in line at Universal Orlando’s Halloween…

College graduation is here, but what to do about my student loans?

Graduating in a Week – Only 6 Months to Start Repaying Student Loans

By Cecillia Barr | April 25, 2013

I remember the day my parents helped me move into my first dorm room at the University of Central Florida. They were all tears, and “I miss you already,” while…

Groceries should come before impulse purchases like a new lamp.

Buyer’s Remorse: The Want vs. the Need

By Cecillia Barr | April 10, 2013

Have you ever wanted to buy something or go somewhere so bad but you couldn’t because of other financial obligations? Financial obligations that you’d prefer to be without? That’s me…

Lucas Duque-Loaiza has autism

Financial Concerns of Caring for a Child with Autism | Real People, Real Life

By Cecillia Barr | April 2, 2013

In light of World Autism Awareness Day, I wanted to get a closer look into one family’s story — their difficulties in caring for their child, their financial adversity, their…

Student Studying Her Books

Colleges Should Offer a Class Called Student Debt 101

By Cecillia Barr | March 26, 2013

I owe how much money to whom? Starting when? Why didn’t anyone tell me about this? Where am I going to get $25,000, plus interest? In about a month and…

Finance books

Students Want Money Information

By Cecillia Barr | October 11, 2012

A growing number of students want to learn more about personal finance but most public schools don’t offer such classes as part of the curriculum, U.S. News & World Report…