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Posted: admin in: Student Life
January 18th, 2008

What are government student loans?

There’s only one way you can afford college and that is by applying for a student loan which has a low interest rate and you start repaying after you graduate and get a good job. Student loans are a first-rate way to pay for college.
But you have to find a government loan which is ideal for you as you’ve already exhausted any other possibilities and you need money to help you finance your college education plan.
Get a federal loan!
Government student loans have the least interest rates, the best reimbursement plans, in addition to, being the most flexible in terms of credit checks. Federal student loans deftly make life easier for financially struggling college students as you don’t need to display a good scholastic record or a good credit history but if you can show that you need the loan, then its yours. College students often have no credit history, so borrowing from a bank is not possible or will carry a very high interest rate.

You can also learn more about web content and web programming, term paper format and term paper help.
Types of Government Student Loans
There are quite a few types of government student loans available to college students actively pursuing degrees. Here are a few of the most common:
• Federal Stafford Loan is one of the most commonly distributed loans to college students.
• Federal PLUS Loan is meant for the parents who can borrow as much as they need to finance their child’s college education. These loans are not subsidized which means that the parent will have to pay interest and the parent will be making payments while the student is in school as the loan is sanctioned on the parents credit check.
• Federal Perkins Loan is a loan for students who are financially needy for assistance. It is a beneficial program that offers a wonderfully low interest rate of only 5%.
Applying for Government Student Loans
1. if you want to apply for the federal loans system you can apply online on the FAFSA form. This form carries a detailed list attached to it with instructions so it’s not difficult to fill in the form in ten minutes.
2. The information you attached is evaluated, assessed and entered into the system and sent to the college you requested on the form. 3.If you do qualify for one or more of these government student loans, you are notified by means of an award letter or a student award letter, be sure to return the award letter and to sign a Master Promissory Note to specify that you agree to the stipulations of the finance and agree to begin reimbursement at the chosen date.

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