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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: Careers Oaktree Capital Meet Native American Veterans where they live with a VA career VA.gov Home | Veterans Affairs Careers | Career Opportunities West Virginia University Corporate Lowe's I moved to Alaska after college for a job. I lost all my friends because I put my career first. Business Insider Jobs City of Rochester (.gov) 15 Companies Offering Health Insurance to Part-Time Workers U.S News & World Report Money Careers at TWU Texas Woman's University Careers at FEMA FEMA Careers at Willamette my.willamette.edu Physicians are the nation’s top earners – a slideshow Medical Economics Jobs and Training at FDA FDA.gov Jobs at Liberty University Liberty News City of Tampa Careers City of Tampa Careers at VA VA.gov Home | Veterans Affairs Job Seekers University of Illinois Urbana-Champaign Healthcare Jobs at Novant Health | Novant Health Novant Health Careers BASF Careers at University of Missouri Health Care | University of Missouri Health Care jobs University of Missouri Health Care MPP Employment Data USC Sol Price School of Public Policy Nursing jobs VA.gov Home | Veterans Affairs Career Opportunities UMHB Jobs at BCA Minnesota Department of Public Safety Statement by Acting Secretary of Labor Julie Su on October jobs report US Department of Labor Careers at Union | Human Resources Union College Careers West Virginia Department of Education Careers Washington State University Employment Services American Mathematical Society Recruiters urge candidates to use AI to apply for jobs Financial Times US employers added just 12,000 jobs last month as hurricanes and strikes sharply reduce payrolls The Associated Press Working for ICE U.S. Immigration and Customs Enforcement Newsroom Work at DHS: Career Opportunities Wisconsin Department of Health Services Employment Statistics Columbia SIPA October 2024 jobs report: How two major hurricanes, labor strike might affect the numbers - NBC News UF Health Careers UF Health - University of Florida Health Employment benefits VA.gov Home | Veterans Affairs Work for Us (U.S. National Park Service) National Park Service Careers at Prairie View A&M University Prairie View A&M University Job Search Results UnitedHealth Group UN COMMON CAREERS VCU Health Work With Us National Oceanic and Atmospheric Administration Career Opportunities Gilead Sciences Employment | Department of Corrections Governor Tom Wolf Careers S&P Global Careers Medline Reservists (On-Call) FEMA Job Opportunities Bellevue School District How to Apply FEMA Job Opportunities Southwest Minnesota State University DOE Report Shows Clean Energy Jobs Grew at More Than Twice the Rate of Overall U.S. Employment Energy.gov Careers Micron Jobs report on eve of election will be among the most muddled in years The Associated Press Careers at Discovery Education Discovery Education Join our team FHI 360 Careers KPMG Early Career GlobalFoundries Certified Direct Care Professional (CDCP) Wisconsin Department of Health Services Careers The Guggenheim Museums and Foundation Internship Opportunities | Careers Boston Consulting Group What Trump's election victory means for job seekers Business Insider Jobs and internships at ABC7 Los Angeles ABC7 Los Angeles Careers at Jacobs Jacobs Careers in A&O Shearman Careers UNICEF USA Students and graduates JPMorgan Chase Work At Chess.com Chess.com Highest-Paying Engineering Careers in 2024 University of North Dakota Mental health at work World Health Organization The 10 jobs that landed the biggest pay rises in financial year 2024 The Australian Financial Review How many jobs are available in technology in the US? Computerworld Benefits for the whole you Accenture |
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