Stafford Loans are more common than Perkins Loans, the other type of federal student loans.
Money for these loans comes directly from the federal government in a program called the Federal Direct Student Loan Program (FDSLP).
Most go to students whose families’ annual income is less than ,000.
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Consolidating your loans may result in the loss of benefits and incentives offered by the current holder of your loans.
Please contact your lender directly if you believe there are benefits associated with your loans before you consider consolidating.
Private student loans have some conditions and terms — very good credit or a co-signer needed – that make them difficult.
The interest rates usually are higher than those on federal loans and there are some involved that aren’t part of federal loans.
Perkins loans are federal loans given directly to the student.
This type of loan, which is funded with government money, comes with low interest rates and favorable repayment options. They can be PLUS loans, originally called Parent Loans for Undergraduate Students, were created so parents could help fund their children’s educations.A consolidation loan is a federal student loan that combines multiple federal student loans into one loan to lower monthly payment and make repayment more manageable.This loan is made to students who have entered their grace or repayment period on their loans.If you have an unsubsidized loan, you’re responsible for paying off all the interest.In 2017, interest rates were fixed at 3.76% while you’re in school, but payments are typically deferred — or postponed — until after you graduate. Your annual Stafford Loan limit for unsubsidized loans ranges from ,500 to ,500, depending on your year in school and whether you are claimed as a dependent on someone’s tax return.Once the maximum amount is reached, the student will no longer receive financial assistance from the government.