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School educational loans can be a boon or a bane, or both. They seem to be a really great idea while you are going to college, but they don't always seem like such a great idea when you are finished with your education and you have to repay them. The key is to get as much money from grants and scholarships as you can, and live carefully while you are getting your education. Also, plan how to use your degree to make more money when you get out. Whatever you do, get the experience and the knowledge that will help you to get a career when you are done with your schooling.
This website gives a good rundown of the types of student educational loans you can get:
- Stafford Loans are low interest loans that cover your expected educational contribution that is not covered by Pell Grants. There are two kinds of Stafford Loans: Subsidized and Unsubsidized. With subsidized educational loans the government pays your interest while you are in school. With unsubsidized educational loans the interest is added to your balance while you are in school, or you can choose to pay the interest as you go.
- Private Education Loans are not sponsored by the government, but you usually don't need to make payments on the loan until after you have quit going to school. These loans can be for as much as $35,000 a year and up to a total of $150,000 total, (Which is a lot of money to pay back).
- Federal PLUS education loans are loans that parents can use to finance up to 100% of their children's education. Parents who make too much money to qualify for other student loans can still qualify for these loans.
- With Federal Consolidation Loans you can bring all of your education loans into one place and one payment. You can also lengthen the term of your loan and lower the monthly payment.
- Direct loans are loaned directly from the government to students.
- Family education loans (FELP) are loaned by private institutions and guaranteed by the federal government.
Are student loans necessary? Many people make it seem as though there is no way to get an education without borrowing money. But here is an interesting article that suggests another route. In any case, good luck on earning that college degree!
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