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Student Financial Aid Direct Loans and Getting Money For College
Need money for college? Who doesn't need a loan to go to school these days? Tuition is ridiculous! It is common for a student to accumulate a lot of student debt on his or her way to a diploma. Where do you start on your way to a student loan or grant? Start with the school you are enrolled in or intend to go to.

There are people working at colleges whose job it is to understand student loans and be up to date with the information on all the different types of student loans. Even if you have no money, they are there to help you get you your tuition.

Private Student Loans

Private student loan debt consolidation programs are one way to get money for your college education. Some of these loans are made to the parents. Other Student Loans are designed to be made to the student and give a deferment period that gives the student time to graduate and get a job before he/she has to make monthly payments.

There are many ins and outs to student loan debt consolidation programs. For these types of programs, it is best to start by asking the bank you or your family does business with for information.

Stafford Loans

One such student loan you should find out about is the Federal Stafford Loan. The Federal Stafford Loan is one of the loans made to the student. This loan is based on need and no credit check is necessary. The government guarantees the Stafford Loan to the actual lender.

The Stafford Loan has a deferment period. Its payments do not start until the student graduates. To be eligible for a Stafford Student Loan, you must be attending school on at least, a half-time basis.

Get all the info

The trick is to get as much information on as many Student Loan Programs as you can. There are a whole lot of lenders willing to give you free information, so take it. There are new programs coming out and current ones changing all the time so don't be afraid to ask.

Some schools offer Stafford Loans directly through the federal government. These are commonly known as Direct Stafford Loans. The schools offering student loans this way are called Direct Stafford Schools.

Some schools offer Stafford Loans through banks or other lenders. These schools are known as FFEL schools (Federal Family Education Loan schools). With this type of student loan you find the lender yourself and then go to the school so they can complete the paperwork.

Think big

Have you ever thought of going to an expensive private university but you feel you'll never get enough money to attend one? Well, you won't know until you try. Many middle-income families end up getting no aid when their college bound offspring apply to their local college because, they are told, and their income is too high.

Ironically, if they apply to a university that is financially way out of their league, they may end up with enough aid to swing it. The moral to this story is shoot for the stars. You never know!

The money is there

Your further education is available to you if you want it. Financial need cannot stop you, but you must plan ahead, be serious, and find out everything you can. When is a good time to start? About half way through sophomore year in high school, you should start your search for your college funding!


Article Title : Student Financial Aid Direct Loans and Getting Money For College
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• Finding the Educational Loans You Need Now

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How EdFed Helped others!
I was about two months away from graduation when I decided to look into consolidation. I called EdFed to see if they could get me started. I was surprised when they told me they would hold my application until my grace period was over, so I wouldn't have to make payments until 6 months after I graduated. Thanks EdFed.
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Education is one of the most basic right of any human, but with the increase in prices and the costs involved in education this has made these rights turn into a privilege which very few can enjoy. Any normal person today in the whole of United States has to take an education loan at one point of time to pay for their education fees.

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Schools Will No Longer Receive Paper FAFSA Forms
(September 20, 2007)

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