Students Loans

  • 08 Kasım 2018
  • 244 kez görüntülendi.
Students Loans

Students loans

Students loans

Education in the world has become independent of financial status and class. This is because children have the right to go to school even if their parents can’t afford it. For this reason both government and private institutes have been created to help uplift this burden on low income earning and unemployed guardians by offering students loans.

Sutedent Loans

Sutedent Loans

Types of student loans

There are two main types: Federal and Private Loans

Federal loans

They include: Stafford, Perkins, Consolidation and PLUS loans. Eligibility is determined by FAFSA and is usually granted by the Department of Education, which sets the interest rate and fees charged.

federal loans

federal loans

Stafford Loans

They maybe subsidized or unsubsidized. The type helps determine the interest rate and maximum loan amount. For Subsidized Stafford Loans payments are required until after graduation. The government pays your interest while you still in school and the loan is eligible for students who demonstrate financial hardship meanwhile for unsubsidized Stafford loan, the borrower is responsible for the payment of all interest.

staford loans

staford loans

Direct Consolidation loan

This is a fixed-interest loan with flexible options, based on your ability to repay. There is no fee to consolidate, though you can only do it once.

student loan

student loan

Perkins Loan

A Federal Perkins loan is a low-interest loan for undergraduate students with exceptional financial need. Funds are limited and are offered on a first come, first serve basis. This have been put on a hold.

perkin loans

perkin loans

PLUS loans

They are available to graduate students and parents of dependent undergraduate students. They have no maximum amounts and can be used to cover any education costs not covered by other financial aid.

parent loans

parent loans

Private loans

These loans are made through banks, credit unions, or other financial institutions and are subject to the lending institution’s terms. Private loans are available to students who are not eligible for federal loans or who need assistance beyond their financial aid award but they are not subsidized; some require payments while you’re still in school; and deferment and forbearance options are very limited.

private loans

private loans

Students Loans Calculations List

Stıdents Loans

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