Student Loans How Much Can I Get

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Check out this video where I talk about Student Loans and how much money I save at 1 point with my current credit card issuer.

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Student Loans How Much Can I Get

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A few days ago, I shared my thoughts per usual but this time they were about student loans…

As we begin our final week of classes, students across the country are preparing themselves for graduation day — if you’re in college, you know how stressful school can be at times; especially now once again around the corner in just a few short weeks! We’ve seen many students graduate but then find themselves struggling to get their first job after graduating from college — however, there’s great news for those looking to further their education and start their career over again…

Federal Government Student Loans

These loans cover education costs including tuition, fees, room and board, books, supplies and equipment. In order to receive them, you need to apply online at www.studentloans.gov. You then have the option to choose between subsidized or unsubsidized loans. Subsidized loans allow undergraduate students who meet certain requirements to pay interest rates as low as 2%. Unsubsidized loans do not offer those low-interest rates; however they also provide less financial aid. Your monthly payment will depend on your income, the cost of attending school, how many years you plan to attend college and whether you are taking out federal student loans or private ones. You will pay back these loans over 10 years; however, if you start repaying early, you could save money. If you graduate before the loan is paid off, you may have to begin repaying them immediately. Most often, payments only continue past graduation until after the grace period has passed. It’s best to consult with a professional about your specific situation.

Private Student Loans

Private student loans are offered by banks and credit unions, and are generally easier to obtain than federal loans. Many schools offer their own private loans and you may want to check with your lender first to determine if they offer any additional scholarship funds. These loans carry higher interest rates, ranging from 5% to 18%, and require repayment over longer periods – 20 to 25 years. Repayment begins once you complete university and begin working. As with federal loans, you should contact a professional about your specific circumstances.

Work Study

Work study is a program where employers partially subsidize your educational expenses. You don’t pay anything upfront, but rather repay your employer with what you earn. However, keep in mind that work study programs are limited to certain fields and jobs. Check with your career counselor or guidance counselor to find out if you qualify.

Parental Loans

Parents can borrow against the value of their homes or retirement accounts to help cover educational costs. Both parents must sign the same documents, and each parent must also make the same amount of weekly payments. Parents who co-sign for a child may end up paying more if they default on the loan because they take responsibility for the debt.

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