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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: US Department of Labor releases new Job Corps Transparency Report U.S. Department of Labor (.gov) Careers at FEMA FEMA.gov Jobs and careers | Veterans Affairs VA.gov Home | Veterans Affairs What Jobs Can You Get With a Finance Degree? | Careers | U.S. News U.S. News & World Report Careers University of Northern Colorado Navigating Opportunity: Career Information and Mobility in Low-Wage Employment American Enterprise Institute Careers | Career Opportunities West Virginia University Careers City of Phoenix (.gov) Careers City of Ontario, California (.gov) Careers at Prairie View A&M University PVAMU Home Employment at WKU Western Kentucky University Employment Opportunities at National Headquarters The Salvation Army USA Careers at J&J Johnson & Johnson Careers Career Paths FEMA.gov Careers | Home USDA (.gov) Careers and Jobs at CRS Catholic Relief Services Employment Opportunities Alabama Department of Public Health (.gov) Careers UC Santa Cruz Work at Fairfield Fairfield University Careers - MDOT Maryland.gov Careers Fred Hutchinson Cancer Center Working for ICE ice.gov So, Why’d You Leave That Job? The New York Times Careers at USCIS USCIS (.gov) Employment Opportunities | Game Commission Commonwealth of Pennsylvania (.gov) Careers Johnson & Johnson Store Hourly Job Areas Target Corporation Careers at TWU Texas Woman's University Work for Us (U.S. National Park Service) National Park Service (.gov) Work at Butler Butler University Jobs and Training at FDA fda.gov Explore Store Careers Target Corporation Domestic/Civil Service careers.state.gov How to change careers at 40 The Telegraph Employment | Department of Corrections Commonwealth of Pennsylvania (.gov) Work With Us National Oceanic and Atmospheric Administration (.gov) Careers at University of Missouri Health Care | University of Missouri Health Care jobs University of Missouri Health Care Careers at Simon & Schuster SimonandSchuster.biz Water Services Careers City of Phoenix (.gov) Career Opportunities Gilead Sciences Jobs City of Rochester (.gov) Career Opportunities UMHB How to Apply FEMA.gov Careers at Willamette Willamette University Full-time jobs for students Johnson & Johnson Careers Careers BASF Jobs at Liberty University Liberty University Careers Washington State University Careers at the IOC Olympics.com Employment Services for PhD Mathematicians American Mathematical Society Early Talent programmes AstraZeneca Healthcare Jobs at Novant Health | Novant Health Novant Health Future of Jobs Report 2025: The jobs of the future – and the skills you need to get them The World Economic Forum Careers and Employment Willamette University NASA Careers: Pathways NASA (.gov) Student internships at J&J Johnson & Johnson Careers Business Wire Careers & Jobs Business Wire Our Hiring Process Target Corporation Careers The Ocean Cleanup The Best Jobs in America in 2025 Money/ US News U.S. adds 228K jobs in March amidst market volatility: How investors should read the numbers Chase Bank Corporate Job Areas - Marketing & Digital Target Corporation KPMG Careers KPMG UF Health Careers UF Health Careers Store Leadership Job Areas Target Corporation Finding Your New Career at the City of Phoenix City of Phoenix (.gov) Ready for your next great job? ADP Careers Careers West Virginia Department of Education Job search KPMG Are you retiring or retired and searching for job? Here’s a guide on finding job after retirement The Economic Times Careers at Union Union College Jobs for Veterans and transitioning military VA Careers (.gov) The Gen X Career Meltdown The New York Times DOE Report Shows Clean Energy Jobs Grew at More Than Twice the Rate of Overall U.S. Employment Department of Energy (.gov) Early Careers | Students & Recent Graduates | BCG Careers Boston Consulting Group Work for the City of St. Louis City of St. Louis, MO (.gov) Current opportunities Turner & Townsend Interview Guide and Tips Target Corporation Job Opportunities Bellevue School District Microsoft mulls more job cuts, this time focused on managers and non-coders, not just low performers, sources say Business Insider Job Seekers Illinois Human Resources Gender pay gap in U.S. has narrowed slightly over 2 decades Pew Research Center RESTORING ACCOUNTABILITY TO POLICY-INFLUENCING POSITIONS WITHIN THE FEDERAL WORKFORCE The White House (.gov) Experienced Professionals | Careers | BCG Boston Consulting Group Explore BCG locations around the world Boston Consulting Group Postdoctoral Research Los Alamos National Laboratory (.gov) |
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