now, at clarkhoward.com, i have a guide to this that you can look at, and there's also a more complete, but not as easy to understand guide, on the website of the u.s. department of education. you go to student -- you don't do www. you do studentaid.ed.gov. when you get there, you'll see there's an entire portal called repaying your loans. and it will take you step by step for each kind of loan you have, what types of repayments are available, how they're calculated and all the rest. the most important thing to know is that this is for federal student loans, subsidized and unsubsidized, not for private loans. >> my wife loves the train wreck also known as "the real housewives of atlanta." i started watching it with her and it was driving me crazy. how could these women blow so much money? but one member of the cast, candy, has a different approach to a dollar, how to stretch it. and, recently, she stopped by the studio and shared how she handles money with me. i have worked and made my own money, and it's not because of someone else's money or my husband or somebody else's money that g

you can't get any information on them about what their supposed magic is, so i have a guide at clarkhoward.comt. >>> do you have a question for me? it's so easy to ask it. all you do is go to cnn.com/clarkhoward and click to submit a video question. who knows, next thing you might see is you with me on tv asking away. just like ashley has done. >> hi, i'm ashley, and i need a money coach. i created a stock market account, sadly, after my father passed away and wanted to pretend that i didn't know i was getting that money, handed it over and opened up what, at the time, was the best and most aggressive kind of stocks you could get into. i do nothing to manage my stock market account. i feel like i stay out of managing the stock market account because i have no idea how it works. i feel like if i did start to become involved i would become obsessed and be, you know, tracking trends online and that sort of thing. my question is, i've got a stock market account. should i get more involved or leave that to the pros? >> ashley, okay, here's my deal on having a stock market account. if you're going t