We start this post in my cardiologist's office, and we'll finish in a financial aid office.
Earlier this year, after a number of routine tests, I sat in an exam room waiting for my doctor. It's a visit I make annually because of a congenital heart defect, and for the past 14 years I've left the office with instructions to maintain the status quo.
But not this year. Instead, I got a detailed explanation of a problem and the possible solutions.
Post minor breakdown, my next step was to research my situation as much as possible. I trolled the Internet for similar cases and discussed my previous surgeries with my parents. As I became more familiar with the medical terms (my favorite was "hypertrophy") 
, I started the list. Every question that popped into my head went on the list — even if it seemed stupid.
On my next visit to the doctor, I asked the professionals for the answers. I got the advice I needed, felt confident with the information, and was able to make my decision.
Advisors are amazing resources. But professional advice is even better when complimented by your own knowledge, whether you're shopping for a heart surgery or a student loan.
When you're looking to finance an education, it's important to listen to your financial aid officer. After all, they're the professionals. But you shouldn't stop there. Research your options — scholarships, loans, lenders — so you can make an informed decision.
Then you can compile your own list and go back to your financial aid office with any questions you have — even if they seem stupid.
As part of this blog community, you're off on the right foot. Here are a couple other online resources that can help you learn the fundamentals:
It's important to make informed choices. While we turn to professionals for advice, we still need to be knowledgeable because in the end, we're the ones who are impacted by our decisions.
Barbara, I'm in awe of how brave you are. Your optimism and enthusiasm is an inspiration. I'm so glad you're back!
I need to know how to defer my loans because of medical reasons I had some surgeries
Hey Erma: The one medical deferment to consider is one for temporary total disability, but it's only available to borrowers who obtained federal loans prior to 7-1-93. If this doesn't apply to you, you may be able to qualify for economic hardship deferment or could request a forbearance.
If your loans are with Wells Fargo you can call one of our student loan representatives at 1-800-658-3567 to talk through your options.
You can also look at the options in more detail online ... just click on the "Student Financial Services from Wells Fargo" link in our Blog Roll (the right-hand column) and then click the deferments link under "Repay Your Loan."