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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 and Jobs at CRS Catholic Relief Services Your career level Continental Governor Newsom releases new framework to create high-paying career pathways with and without four-year degrees Office of Governor Gavin Newsom Looking for work? These industries are expected to see major growth in Tennessee - Commercial Appeal Careers UNCO News Central Jobs- Legacy Energy.gov California nixes degree requirements for 30K state jobs Higher Ed Dive US Department of Labor announces latest actions to secure sustainability of Job Corps program US Department of Labor Careers | Career Opportunities West Virginia University Jobs, inflation, and the Fed: How they're all related Yahoo Finance Working for ICE U.S. Immigration and Customs Enforcement Newsroom Careers at TWU Texas Woman's University Jobs City of Rochester (.gov) Calif. Master Plan for Education Includes Digital 'Career Passport' Government Technology Careers | Home USDA.gov US Department of Labor awards $99.3M in grants to support training, job services to prepare young people to succeed in high-demand careers US Department of Labor Employment | Department of Corrections Governor Tom Wolf Jobs and Training at FDA FDA.gov Draw your own chart game: how well do you know the jobs market? Financial Times Start your career journey with Illinois, a top leader in research, teaching, and public engagement University of Illinois Urbana-Champaign Aligning workforce development with changing industry needs World Economic Forum Jobs at Liberty University Liberty News Career Opportunities UMHB Careers at University of Missouri Health Care | University of Missouri Health Care jobs University of Missouri Health Care Careers BASF Careers at Union | Human Resources Union College Careers Washington State University Healthcare Jobs at Novant Health | Novant Health Novant Health Nursing jobs VA.gov Home | Veterans Affairs Work At Chess.com Chess.com Our People: Associate Experiences and Paths to Opportunity Walmart Corporate Careers at Prairie View A&M University Prairie View A&M University Work for Us (U.S. National Park Service) National Park Service US added a strong 227,000 jobs in November in bounce-back from October slowdown The Associated Press UF Health Careers UF Health - University of Florida Health Working at Siemens Energy: Careers & Job Opportunities Siemens Energy Job Opportunities Bellevue School District Careers Medline Careers S&P Global Careers KPMG Internship Opportunities | BCG Boston Consulting Group India's job market projected to grow 9% in 2025 The Economic Times Careers at Jacobs Jacobs Jobs report on eve of election will be among the most muddled in years The Associated Press Job vacancies at the EUDA European Union Students and graduates JPMorgan Chase Constellation to Launch Crane Clean Energy Center, Restoring Jobs and Carbon-Free Power to The Grid Constellation Energy Tourism to see 61 lakh new jobs in 10 years Deccan Herald US employers added just 12,000 jobs last month as hurricanes and strikes sharply reduce payrolls The Associated Press Highest-Paying Engineering Careers in 2024 University of North Dakota How To Use AI To Find A Job Forbes Job Openings Continue to Fall as the Labor Market Slows | Economy | U.S. News U.S. News & World Report 80+ Psychology-Related Careers to Consider Verywell Mind 10 Things They Don't Tell You About Your First Job U.S News & World Report Money Mental health at work World Health Organization Careers Gwinnett County Public Schools 5 Hot Jobs for MBA Graduates | Best Graduate Schools | U.S. News U.S. News & World Report JobFeed NSW Department of Education Careers City of Norfolk (.gov) Careers at King County King County ANU council members say Bell’s second job was never mentioned The Australian Financial Review Apply for a Job - The City of Vancouver, WA KCMO Career Center | CITY OF KANSAS CITY | OFFICIAL WEBSITE City of Kansas City (.gov) Careers City of Somerville IT sector to witness 15-20% growth in job opportunities in 2025: Report Business Standard Careers Penn State University Careers UTSA Today Careers City of Fort Worth Employment University of South Carolina Careers @ UO University of Oregon Careers at the ICR The Institute of Cancer Research ADM Job Openings Unlocking Nature. Enriching Life. | ADM Career Opportunities University of Houston Career Services Wake Tech Newsroom Current Job Postings City of Windsor Careers at Florida State | Office of Human Resources Florida State University UH Careers University of Houston Careers at UHD UHD Current Job Openings Pinellas County Careers at USI University of Southern Indiana |
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