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Distance Learning Online Degree Program Students Gain Education With Help Of Stafford Loans
Many students may realize that the only way they can fully afford the cost of their college tuition is a loan. Fortunately, many banks and even the federal government offer a number of affordable and low interest loans geared especially towards students. A student loan is an option for students who will not have their bills covered by grants, scholarships or savings, and can help ensure that a college degree is the end result.
Students who wish to apply for financial aid should usually take the first steps towards looking at federal student aid first. They can apply by filling out the FAFSA, or Free Application for Federal Student Aid. This application is free and can be filled out either online or at your school. It helps the government to determine what financial aid you will be best qualified to receive.
The Federal Perkins Loan is one of the most basic forms of federal student aid and is offered to students who qualify for need-based student aid after filling out their FAFSA. Perkins loans have set limits for how much students can borrow – for undergraduates, the yearly maximum is $5,500 and the lifetime limit is $27,500. Graduate students get an increase to annual limits of $8,000 and $60,000 lifetime, a maximum that includes any previous undergraduate loans. Despite the large amounts of money students can borrow, the interest rate is set at 5% and fixed. Student borrowers have a full ten years to repay their loans. The repayment period begins nine months after students graduate with their degree, though it also begins if students allow their schedule to fall under half time or if they withdraw from school entirely.
Stafford Loans are another well-known student loan offered to assist with financial aid and are actually divided into two programs. One is called the Federal Family Education Loan program (FFEL); the other is called the William D. Ford Direct Loan program. Both programs have definite differences, as well as similarities, but the important basic fact is that both programs provide financial aid to students who are looking for ways to pay for college.
In fact, the FFEL loans are unusual because they represent a bond between private lenders and the federal government. These private lenders, who receive subsidies from the government in exchange for the funds, offer FFEL loans. Because of these subsidies, student borrowers benefit in the form of lower interest rates.
In contrast, the William D. Ford Federal Direct Loan Program (FLDP, FDSLP or Direct Loan Program, for short) offers students loans with the money borrowed directly from the U.S. Department of Education. The U.S. Treasury provides these funds, and students must qualify after filling out their FAFSA and demonstrating financial need. The difference in the lender of the capital for the loan is the major differentiation between the FFEL and the FLDP programs.
Stafford loans as a whole are further broken down into two different groups: subsidized and unsubsidized loans. Subsidized loans are, as usual, offered to students based on demonstrated financial need. When you have a subsidized loan, the interest is paid by the federal government while you’re still in school, during the grace period and even during authorized deferment. Unsubsidized student loans mean that the borrower is responsible for all the accrued interest while enrolled in school.
Students who feel overwhelmed by the bill at the beginning of a traditional or online degree education program semester don’t need to stress about relying on a shoestring budget to pay for school. Student loans are an accessible solution, when educational scholarships and grants for college just aren’t enough, and available in a variety of forms. With low interest and programs geared specifically towards those who have a true financial need, student loans are an affordable and functional solution to the cost of college.
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