Bofa Student Loans

I have been carrying this loan around since 2011. I paid it off December 2016. BofA was nice enough to give me $45 back out of my account (they don’t do that). No interest charges ever again!

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Bofa Student Loans

What do you need?

*A laptop or desktop computer (preferably without Windows)

*Internet access

*A printer/scanner

*Paper and pencils

*Pencil sharpener

*A note-book or journal

*Eraser

*A calculator

*A tape measure

*Scissors

*Glue

*Markers

*An eraser

Bofa Student Loans

BofA – $24,346

Sallie Mae – $26,835

CitiBank – $23,096

Nelnet – $31,944

SoFi – $27,859

Discover Bank – $18,828

Capital One – $22,333

Chase – $23,845

AmazonMortgage – $19,913

US Bank – $25,112

Wells Fargo – $24,064

Ally Bank – $21,836

Quicken Loans – $20,097

E*Trade – $24,621

Bofa Student Loans

Description: If you need financial aid, check out BofA’s student loans page!

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Bofa Student Loans

BofA Student loans are great if you are going to school full time or even attending school part-time while working full time. If you have been accepted at a university, then applying for student loans should be your top priority. The Federal government offers a variety of different types of loans, including private student loans, federal Stafford loans, PLUS loans, and Perkins loans. You need to carefully consider how much money you want to borrow before deciding what type of loan would work best for your needs.

Private Student Loans

Private student loans are offered by banks and credit unions. These are not guaranteed by the United States government, and they require good credit history. Your monthly payment on these loans could range anywhere between $0 and $100 depending on your income level. You can get approved for a student loan without having a co-signer. If your parents have bad credit or no credit, then you might be able to still get a private student loan. Your interest rate will be higher than a government loan, and your repayment period could be 10 years or longer.

Federal Stafford Loan

The Federal government offers two types of Stafford Loans. One is the subsidized loan, and the other is the unsubsidized loan. Government students who do not qualify for a grant or scholarship may be eligible for a subsidized Stafford loan. In order for you to receive this type of loan, you must meet certain eligibility requirements. You will need to submit FAFSA (Free Application for Federal Student Aid) forms that will determine whether or not you qualify for financial aid. Even though the application is free, you must complete and send off these applications prior to being considered for a loan. Once you have received the approval letter, you can begin making payments towards your college tuition.

PLUS Loan

PLUS loans are offered only to parent borrowers and co-borrowers. You must be enrolled as a dependent on someone else’s tax return in order to apply for this loan. Your monthly payment will depend on your annual adjusted gross income, and you’ll pay back a fixed amount over a set period of time. If you have no income, then you cannot take out a PLUS loan.

Perkins Loan

Perkins loans are offered only to students receiving grants and scholarships, and you must be enrolled as a full-time student. Your monthly repayments are based on your expected family contribution and your cost of attendance, which will vary depending on the number of credits you take each semester. Perkins loans are considered non-dischargeable in bankruptcy.

Interest Rates

Interest rates on student loans range from around 4% to 6%, but some private lenders might charge as high as 12%. There can be additional fees associated with private student loans.

Paying Off Student Loans

You don’t have to pay back your student loans until you graduate. However, if you default on any of your payments, you will end up paying penalties along with accruing interest on the unpaid balance. Most student loans offer grace periods where you won’t be charged extra interest. It is always smart to make sure you are on track financially before starting college.

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