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Student Loan Consolidation
Direct Student Loans College Funding Straight from the Federal Government Paying for college places extraordinary financial burdens on families; especially in light of continually rising higher education costs. Scholarships, grants and loans are funding staples for university students, who use them to pay for tuition, books , housing and other college fees. While each form of aid tackles school expenses, there are important distinctions to be made between the types of available assistance. Grants and scholarships provide assistance that is not repaid. Generally, grants help those with the highest levels of financial need, while scholarships cover college expenses for students who exhibit high standards in academics and athletics. Student Loan Options College-aged individuals are not exemplary credit risks. The problem for most college students is not a history of bad credit , but rather a credit history that simply does not include enough entries. Without a long history of repayment successes, your ability to secure funds from traditional independent lenders may be limited to risky high-interest loans. Loans with unmanageable credit terms lead to subsequent defaults, and should be avoided. If your college financial aid package requires a loan from a private bank or credit union, your best bet is to apply with the help of a creditworthy cosigner. By adding another credit reference to your loan, your interest rate and repayment terms are improved. Historically, campus financial aid offices worked to provide college financial aid packages that included guaranteed Stafford Loan awards. As part of the Health Care and Education Reconciliation Act of , Barack Obama and the th Congress cut out the middlemen and ended the private lender subsidy arrangement. Government-backed lending program, and leaves the Federal Government as the sole administrator for Federal Direct Student Loans. Family size, and the number of members who are attending college influence federal financial aid awards. Independent students are not claimed, so applications are limited to student data. Expected Family Contribution EFC is an important reference number that is submitted along with your Student Aid Report to each of the colleges you are considering attending. Campus financial aid offices match your FAFSA status with available student aid, until your college financing needs are met. Direct Subsidized and Direct Unsubsidized Loans An important distinction exists between federally issued student loans: Some are subsidized, while others are not. Direct subsidized loan participants do not pay interest on student loans: While they are enrolled in college During a six-month grace period after leaving school During any approved loan deferment period Important change to subsidized loan repayment policy: For loans issued after July 1st, , the Department of Education will not pay interest due during the six-month grace period following school. Interest that is not paid by students during this period will be capitalized and added to the principle balance of the loan. Unsubsidized loans are granted to undergraduates and graduate students without a financial hardship requirement. Fixed interest rates provide payment planning possibilities, currently at 3. Filing status, as dependant or independent, influences the maximum annual loan disbursed to each qualified borrower. The scale continues upward until graduate school, when eligible participants qualify for over twenty-thousand dollars worth of annual educational funding. On one hand, if you are struggling to make monthly student loan payments , consolidating your student debt creates a repayment structure you can meet. Under Direct Consolidation, multiple student loan payments are replaced by a single monthly obligation, but changes are irreversible. Once you sign-up to consolidate, your original loans are wiped from existence. Before you proceed, make sure your current student loan terms will not be negatively impacted by consolidation; rebates and other benefits are sometimes lost during the transition.
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