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Student Loans Are The Life Preserver Of The Education System

A loan is the reason many students are able to go to collegeand not have to worry about money until after they'vegraduated. There is a lot of paperwork involved in theapplication process of a loan, but once you've completed itand been accepted, it will have been worth it. Loanscan help with the cost of books, tution and even livingexpenses or they can cover them completely. It all dependson your eligibility, which is determined in the applicationprocess of the loan.

Applying for a loan is free and you can even complete itonline. You can get a copy of the application at yourcollege's financial aid office, post office or library. Ittakes some patience and time to fill it out and variouspaperwork is needed before you can turn it in, but you willbe happy once the loan comes in. Your grades are taken intoconsideration when applying for a loan as well. Although youdon't have to have a 3.0 GPA to get a loan, you do need tobe making satisfactory grades to receive any assistance.Your college will determine whether you're eligible to applyfor a student loan or not.

There are some criteria that you have to meet before you caneven be considered for a loan although. You must be a U.S.citizen or an eligible non-citizen. You must be makingsatisfactory grades and be attending a college thatparticipates in the federal student loan program. You alsoneed to be a half time student, at the least and truly be inneed of assistance.The amount of assistance you will receivedepends on whether you're an independent (you report onlyyour income and that of your spouse if applicable) or adependent (you report the income of both your parents). Thegrade level you're in is also taken into account when theloan assistance is being determined as well.

You don't have to pay back your loan as long as you areenrolled in classes at least half time. 6 months after yougraduate is when you can expect to start having to pay backthe loan and you can set up a payment plan. Not all schoolsoffer loan programs, so you'll have to do a bit of homeworkto see if yours offers such assistance. It's best to checkthis important fact out before deciding on which college toattend if money is an issue for you. Make sure to get yourapplication in early also, to ensure that your assistancewill get to you in time for the tuition due date. 60-90 daysbefore the beginning of the semester is recommended.

There are a couple different types of student loan awardsyou can try to receive. A subsidized student loan meansthat you do have great financial need for assistance whilean unsubsidized student loan means you do not have need forassistance. The student that has a subsidized student loanis not responsible for interest until they graduate and thestudent with an unsubsidized loan is responsible at alltimes for interest.

So, what are you waiting for? Apply for a student loantoday and you'll be on your way to that college educationyou've always wanted for yourself!

Tucker R. vanZandt is passionate about loans and is the webmaster of For Everything Loan

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Wall Street Journal

Leveraged Loans Not as Safe as They Once Were
Wall Street Journal
Investors bought record amounts of junk-rated corporate loans in recent years, betting they would deliver more stable returns than high-yield bonds, but the loans are no longer as safe as their owners may think.

Center For American Progress

What Do We Know About Student Loans? Less Than You Think
Center For American Progress
Despite the fact that nearly 1 of every 5 American adults is saddled with student loan debt—a total of $1.5 trillion—little is known about the various, often-treacherous paths borrowers take as they navigate repayment. The landscape remains such a ...
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You have an important bill to pay and not enough money to pay for it. A payday loan might be the solution to your problem – if you don't mind paying very high interest rates. It's not uncommon for payday loans to have APRs above 100%. Is there a better ...

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U.S News & World Report Money

Everything You Need to Know About Parent PLUS Loans | US News
U.S News & World Report Money
Parent PLUS Loans are for parents or legal guardians of undergraduate students to help pay for college. They have greater repayment flexibility, but often have ...
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Student Loan Forgiveness Dos And Don'ts
If you pay attention to these "do's" and "don'ts," then you'll be on the right track for student loan forgiveness. Here's what you need to know. Student Loan Forgiveness. If you have student loans, you're not alone. According to personal finance ...

Fox Business

Fannie Mae, Freddie Mac offer home loans for 3% down | Fox ...
Fox Business
The products are designed for individuals with low-to-moderate income levels.

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St. Louis Business Journal

Commentary: Student loans and death
St. Louis Business Journal
The media has recently focused on the student loan ticking time bomb for both students and parents. As bankruptcy lawyers who have represented debtors from the lowest to the highest court in the land for more than 40 years each, we've seen this unfair ...


Indonesia Inc. Finds Solace in Loan Amid Emerging Market Woe ...
Indonesian borrowers are quickly learning who their real friends are. Their lenders are continuing to extend loans, as bond investors get cold feet amid concerns ...
Indonesia Inc finds haven in loans amid emerging market woeThe Edge Markets MY

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U.S. News & World Report

Can You Pay Student Loans With a Credit Card?
U.S. News & World Report
When you move student loan debt to a credit card, you give up certain protections. For example, you no longer have consolidation, deferment, forbearance or loan forgiveness options. If you have a federal student loan, you'll lose options for death ...

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Student Loan Hero (blog)

Ask a Hero: How Do I Combine Student Loans From Different Servicers?
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Dear Student Loan Hero,. I currently have two student loans from two different loan servicers. Is there a way I can combine these loans together into one loan and decrease my monthly payment? Dear Student Loan Borrower,. Dealing with multiple loan ...
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Student Loan Hero -Money Magazine
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