Are You Prepared For College?
 
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 Paying For College

Student Loan Options

  • Co-Signer and No Co-Signer Loans
    Co-Signer and No Co-Signer Loans A co-signer is a second party who guarantees to repay the loan and usually becomes involved when the primary borrower has no or a poor credit history. Students often...
  • Credit History and Student Loans
    Credit History and Student Loans Many common student loan programs are not credit-based. Stafford and Perkins are based solely on need and don't even do credit checks. But not all will qualify and...
  • Interest Rates, Now and Future
    Interest Rates, Now and Future Variable vs. Fixed Not too many years ago interest rates on Stafford loans and other programs changed from fixed rate to variable rate. Then, as of July 1, 2006 they...
  • No Credit Loans
    No Credit Loans Having a poor credit history is never an advantage. Fortunately for students and their parents, though, there are a number of loan and aid packages that don't look at credit status at...
  • PLUS Student Loans
    PLUS Student Loans With the rising cost of education over the past few decades, reliance on traditional Stafford loans has often failed to cover even the majority of expenses. The PLUS (Parent Loans...
  • Private Student Loans
    Private Student Loans Many of the common Federal student loan programs require no credit check and provide substantial sums for financial aid. Unsubsidized loans, in which any interest accrued while...
  • Seeking Loan Advice
    Seeking Loan Advice Despite high education costs and the cost of borrowing to meet them, students and parents have some advantages today that didn't exist even ten years ago. The Internet has changed...
  • Stafford Student Loans
    Stafford Student Loans Stafford loans are part of the FFELP (Federal Family Education Loan Program) established by Congress in 1965 to supply financial aid to students. Originally intended to cover...
  • Subsidized and Unsubsidized Student Loans
    Subsidized and Unsubsidized Student Loans Obtaining student aid can be more complicated than playing the stock market. There are literally hundreds of possible scholarships, loan programs and other...
  • The Federal Family Education Loan Program (FFELP)
    The Federal Family Education Loan Program (FFELP) The FFELP (Federal Family Education Loan Program) is a Federal Government-private lender partnership and umbrella program that includes Stafford,...
  • The William D. Ford Direct Loan Program
    The William D. Ford Direct Loan Program The Direct loan program began about 15 years ago and, in true American fashion, was designed to cut out the middle man. Instead of having banks, credit unions...
  • Your College Loan Options for the Future
    Your College Loan Options for the Future Heading off to college the first time is scary for anybody looking at the price for your college education may even scare you more. The good news is that...
  • How Students Can Help