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  • Major requirements, course descriptions, faculty, research topics, student life, and related links.

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Ninja Student Loan Consolidation Loan Chau - VAHF - B.C. Collateral & Loan Co. - 1902

Student loans in the U.S.
Regulatory framework
Higher Education Act of 1965
US Dept of Education
FAFSA Cost of attendance
Distribution channels
Federal Direct Student Loan Program
FFELP
Loan products
Perkins ยท Stafford
PLUS ยท Consolidation Loans

Private student loan

This article does not cite any references or sources. Please help improve this article by adding citations to reliable sources. Unverifiable material may be challenged and removed. (February 2007)

While included in the term "financial aid" higher education loans differ from scholarships and grants in that they must be paid back. They come in several varieties in the United States:

  • Federal student loans made to students directly: No payments while enrolled in at least half time status. If a student drops below half time status, the account will go into its 6 month grace period. If the student re-enrolls in at least half time status, the loans will be deferred, but when they drop below half time again they will no longer have their grace period. Amounts are quite limited as well.
  • Federal student loans made to parents: Much higher limit, but payments start immediately
  • Private student loans made to students or parents: Higher limits and no payments until after graduation, although interest will start to accrue immediately. Private loans may be used for any education related expenses such as tuition, room and board, books, computers, and past due balances. Private loans can also be used to supplement federal student loans, when federal loans, grants and other forms of financial aid are not sufficient to cover the full cost of higher education.

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Ninja Student Loan Consolidation
Student loans in the U.S.Regulatory frameworkHigher Education Act of 1965US Dept of EducationFAFSA Cost of attendanceDistribution channelsFederal Direct Student Loan ProgramFFELPLoan productsPerkins ยท StaffordPLUS ยท Consolidation LoansPrivate stud... Read more
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