Student Loans With The Lowest Interest Rates

Student Loan Consolidation

If you have existing student loans, then you may want to consolidate them into a single loan; this makes managing payments much easier. You may qualify to consolidate based on the amount of debt owed. Once you consolidate, you can only get one monthly payment instead of many. If you would like to learn how we can help you save money on your student loans, contact us today.

Federal Stafford Loan Refinance Program

The federal government offers student loan refinance options for those who need to lower their interest rate. This program is great if you have outstanding federal student loans because they pay off your current loans at a lower interest rate. The benefit of this option is that you still keep your same repayment plan, and your new loan will have a longer term. To find out more about our student loan refinancing services, call us today!

Private Student Loan Forgiveness Programs

Some private lenders offer forgiveness programs if you go back to school or work in certain professions. Before applying, make sure you know what type of loan you have. There are different types of private student loans and each one requires a different application. Contact us today to determine if any of our lenders offer financing assistance.

Student Loans With The Lowest Interest Rates

Federal Direct Loan (Subsidized)

The federal government provides a loan program specifically for students enrolled at public colleges and universities. The student loans offered under this program are called Subsidized Loans. These loans are created and backed by the U.S. Department of Education. They offer a fixed interest rate of 3.86% per year plus a subsidized interest rate if the borrower falls below a certain income threshold.

FAFSA-Free Student Loans

These types of loans are not federally insured. However, they help eligible borrowers pay for school without having to file the Free Application for Federal Student Aid (FAFSA). Eligible applicants may apply for this type of loan at any time throughout the academic year and the interest rates vary based on factors affecting the market and current interest rates.

Perkins Loan

This loan is designed for students who attend private nonprofit schools, including accredited proprietary schools. Students applying for this type of loan must have exceptional financial need, meet certain criteria in terms of their family’s annual adjusted gross income, and complete the Free Application for Federal Financial Aid (FAFSA) before receiving approval. Borrowers also need to maintain satisfactory academic progress while attending school, which could result in nonpayment of the principal and/or interest.

Grad PLUS Loan

A graduate PLUS loan is perfect for those pursuing master’s degrees. The interest rate begins at 6.31% and rises to 8.41% over three years. The amount borrowed is based on the cost of attendance at the school attended.

Parent PLUS Loan

Parents who are co-borrowers of their child’s education loans can receive a parent PLUS loan, which starts out at 5.84%, goes up to 9.59% over four years, and is subject to change each year depending on market conditions and the interest rate set in the previous year. The maximum loan amount allowed is $23,000. Parents must be U.S. citizens or legal permanent residents of the United States.

Stafford Loan

Students borrowing through the Federal Family Educational Loan (FFEL) Program are required to begin repaying their loans once they start earning above the minimum repayment threshold. Those making less than $50,500 annually and those who are full-time students should expect to repay between five and six percent of their discretionary income, which is about $750 to $900 per month.

Income Based Repayment (IBR)

Under IBR, the monthly payment remains constant regardless of how much debt is incurred. Undergraduate students with no more than $30,550 in educational debt can choose to make payments based on their disposable income instead of paying back the entire balance every single month.

Student Loans With The Lowest Interest Rates

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No matter how hard your job may seem, if you’re currently unable to make ends meet you’ll want to find some extra cash as soon as possible. Having trouble paying back student loans? Use our personal finance blog to help you work out a budget plan. Whether you’re just starting out or already have a few bills to pay, we’ve got tips and advice for managing your finances better.

Do you know what’s the

Student Loans With The Lowest Interest Rates

Federal Direct Student Loans

The federal direct student loans offer lower rates than private banks, they have no credit checks, and they are only offered to eligible students. These loans allow the student to take out loans directly from the government without borrowing money first from a bank. There’s a catch though; these loans are granted based on financial need and don’t require repayment until after graduation, however if the borrower defaults on their payments, the government ends up taking over as the loan provider. Private lenders typically charge higher interest rates and may require credit checks before making any type of loan offer.

Stafford Loans

Stafford loans are a combination of federal and private funding that are issued directly to college students and cover tuition, fees, room and board, books, and supplies. You can borrow between $500-$20,000 per year for educational purposes depending on how much school you attend and your financial situation.

Parent PLUS Loan Program

This loan program grants parents of a dependent undergraduate student access to low-interest loans at the same rate as federal direct loans, although the parent borrower still has to pay back the loan with interest at a variable APR. Parents receive an annual benefit amount equal to 1/12th of their student’s income while enrolled in school. If your child drops out of school, the benefit period ends upon completion of the grace period.

Perkins Loans

These loans provide funds for education expenses including the cost of tuition, fees, room, board, books and supplies. Unlike Stafford Loans, you can borrow a maximum of $5,500 annually to help cover the costs associated with attending school. Perkins loans are non-repayable, meaning the student does not have to repay them once he or she graduates. You can get approved for a Perkins loan anytime during the school year. However, you must apply early enough to ensure that you do not miss out on the opportunity to borrow.

Federal Work Study

Federal work study programs are designed to assist students who do not qualify for Pell Grants or Stafford Loans. Students with dependents can receive up to 4% of their monthly gross wages to be applied towards their tuition and related expenses. These loans are repaid on a minimum of 150 hours per academic quarter basis, and are considered taxable income.

6 & 7. Grad Plus Loans

Grad plus loans are offered to graduate students with a bachelor degree, master’s degrees, or doctorate degrees. Graduate Plus loans can be accessed immediately following graduation, but you cannot borrow more than $20,500 for the duration of the program. You must meet certain requirements and pass a series of exams to receive approval. Once you are accepted into a graduate program, you must complete 12 quarters of full time enrollment. After the initial 12 quarter period, Grad Plus loans are disbursed according to your enrollment status.

Student Loans With The Lowest Interest Rates

In this video we show you how to apply for student loans at the fastest rate ever. Up until now, the record holder was actually linked to credit card peer-to-peer lending program and they have interest rates over 10%. But today we have the lowest interest rates offered around and the best thing about them is they are completely free! So if you wish to apply for loans today, check out StudentLoansForever.com.

Are you looking for fast cash? Want to get rid of those credit cards along with some extra cash? This video may just change your mind. If you enjoy my videos and want to see more please visit my channel. Also, don’t forget to Like, Comment, Share and Subscribe 😀

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