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What Students and Parents MUST Know about Student Loans
A student loan helps you get through college. Then youcome out into a high-paying career. It's a greatinvestment in your (or your sons/daughters) future. Student loans generally give you a good deal. You getbelow-market interest rates, and you get a $2500 federaltax credit on interest paid over any period of time(previously first 60 months only) It doesn't matter if the student, or parent takes out theloan; tax deduction remains the same. * Did you know the federal government has a $50 billionstudent loan program ? Not surprisingly, the federal government provides thelargest percentage of student loans. Other student loansmay come direct from colleges, private lenders or stategovernments. One of the key advantages to a federal guaranteed loan isexactly that - it's guaranteed. That means you don't needcollateral. It also means the terms are kinder than atypical lender might offer. Of course, your educationalprogram has to be approved by the government. Types of student loans * Federal Stafford Loan - for undergraduate or graduatestudents A popular and cost-effective source of a student loan.Stafford loans provide low-interest, government guaranteedfunds. Stafford Loans come in two types, subsidized orunsubsidized. Whether or not you're eligible forsubsidized depends on household income. The school ought toadvise on this. For subsidized, the government covers the interest right upto start of repayment i.e. they pay interest incurredduring the course, in deferment and during the grace periodbefore repayment begins. If you qualify for subsidized,it's a great deal For unsubsidized, the student must pay all interestincurred at all times, though they don't start repayinguntil after grace period. * Federal PLUS Loan - for parents of undergraduates Parent Loan for Undergraduate Students (PLUS) allowsparents to take a loan on their Childs behalf. They cancontribute to their Childs future, and get a great low-interest loan with continuing future tax relief. PLUS actually allows parents to borrow the total cost oftheir child's education, minus any grants or otherfinancial aid awarded. All tuition fees, meals, books,transport etc. can be included in the loan. This really is a great deal, and has no income or assetrequirements. Even poor credit history may be overcome.Repayment is flexible, and can include zero payments for upto 4 years. Only one drawback to the Federal Stafford and Federal Plusloan - your school must be approved to participate in theseprograms. If your school isn't approved, then you've gotsome other options... * Banks Many banks offer unsubsidized Stafford loans. You stillget the money, which you must have to attend college, butrepayment options are more limited. Some deals offer youan interest rate reduction if you make payments on time. * State Loans Most states offer guaranteed student loans. Apply directto Banks, who'll administer the State program. It'susually a more expensive way to borrow than Stafford. * College Board Extra Credit Loan Administered by your college. Can be expensive, and bestused only in an emergency e.g. your aid is withdrawn. * Other Loan Sources A number of other sources may be worth trying if you get aproblem with your first choice lenders. AcademicManagement Services affiliates with approx. 2000 schools.AMS pay your tuition fees if you repay them in less than ayear. College Resource Center also has loans available. If your parent served in the military, then a military loanshould be investigated. College can be the experience of a lifetime. A childstarts college as a high school kid, and emerges a fullgrown adult with high-earning potential? But he or she needs money to survive and thrive in college.This article looked at the main sources of student loanfunding, and those sources should be ideal for moststudents and their parents. =========================================================== The right Student Loan makes all the difference to asuccessful college career. Discover important informationon choosing the right student loan, and guaranteeing yourfuture success. Click ==> http://www.college--loans.com/ ** Attn Ezine editors / Site Owners **Feel free to reprint this article in its entirety in yourezine or on your site so long as you leave all links inplace, do not modify the content and include my resourcebox as listed above. If you do use the article please send me a note tojohn@college--loans.com so I can take a look. Thanks. © DigiLectual Inc. 2004 John Williams graduated from college, after taking a student loan to finance his studies.
MORE RESOURCES: Work At Chess.com Chess.com Report: community college students need more career guidance Inside Higher Ed Careers - Human Resources Kennesaw State University Will Artificial Intelligence Steal My Job? | On Careers | U.S. News U.S News & World Report Money Jobs and Training at FDA FDA.gov Careers Boys & Girls Clubs of America Career Fairs and Major Events - JMU James Madison University Careers at TWU | The Office of Human Resources | TWU Texas Woman's University Careers Fred Hutchinson Cancer Center Workers eager to fill 3,000 Las Vegas jobs to build Brightline Fox 5 Las Vegas Careers Micron Careers at FEMA FEMA Find a Job Samaritan Health Services Tesla mass layoffs impact Bay Area, with over 2,750 jobs lost San Francisco Chronicle Careers | Job Opportunities | MaineHealth MaineHealth Curry College launches job guarantee program Inside Higher Ed Careers at Bucknell Bucknell University Career Paths FEMA Job Search Results - Careers at UnitedHealth Group UnitedHealth Group My career race is in the home stretch, here's what I know Financial Times Industry sells workers on ag jobs The Western Producer Employment USC Upstate Veterans and transitioning military | VA Careers VA.gov Home | Veterans Affairs Green careers report: Understanding green jobs and their increasing demand The Economic Times Data indicates a strong job market but some employment seekers — even those with a Ph.D. — say they struggle Yahoo Finance Careers Smith College Grécourt Gate What Researchers Discovered When They Sent 80000 Fake Résumés to U.S. Jobs The New York Times Careers at NATO NATO HQ Apply for a Job The City of Vancouver, WA The Best Jobs in America in 2024 | Careers | U.S. News U.S News & World Report Money Join our team FHI 360 Despite lagging performance, California expected to avoid recession Los Angeles Times Chesapeake Public Schools Employment Opportunities Chesapeake Public Schools Careers at USI University of Southern Indiana Careers Medline Newsroom Work for Us (U.S National Park Service Careers The Ocean Cleanup Careers at Air Liquide Air Liquide Careers | US Forest Service USDA Forest Service Careers in mental health services : Career Outlook: U.S Bureau of Labor Statistics Careers Technip Energies Lawsuit claims Sheetz denied employment to class of job applicants because of their race WPXI Pittsburgh How many jobs are available in technology in the US? Computerworld Early careers UBS AI Will Transform the Global Economy. Let's Make Sure It Benefits Humanity. International Monetary Fund Careers CPKC Work Here UnitedHealth Group CoinGecko Careers: Careers at CoinGecko CoinGecko Careers with Impact IFC Press Releases Early Careers | Mondelēz International, Inc. Mondelez International The Rise of Global Digital Jobs | World Economic Forum World Economic Forum 30 high-paying and fast-growing jobs in the US Business Insider Highest-paying jobs in America in 2024, according to U.S. News report Milwaukee Journal Sentinel Best job site of 2024 TechRadar Education and Development WellSpan Health The Challenges of Retiring from a High-Powered Job HBR.org Daily Job openings slide to 8.7 million in October, well below estimate, to lowest level since March 2021 CNBC In-Demand Jobs for Seniors | Retirement | U.S. News U.S News & World Report Money Opinion | The A.I. Economy Will Make Jobs More Human The New York Times How Social Media Could Affect Your Job Business News Daily Jumping into the workplace for the first time TotalEnergies.com Careers in Clinical Psychology Verywell Mind Explore and find your profession TotalEnergies.com John Lewis publishes job interview questions to aid preparation Personnel Today Employment Opportunities Iowa Utilities Board Find a Role Bain & Company Careers at UNHCR UNHCR Jobs Energy.gov Employment Opportunities City of Windsor Careers City of Somerville Upgraded National Career Service portal to give job market a fillip Business Standard Careers | City of Norfolk, Virginia - Official Website City of Norfolk (.gov) |
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