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For these reasons, more than 90% of student debt today is in the form of federal loans.Direct Subsidized and Direct Unsubsidized Loans (sometimes referred to as Stafford Loans) Direct Subsidized Loans are need-based and dependent on EFC to determine loan amount.Before estimating, it may be helpful to first consult our College Cost Calculator to get a rough idea of how much college may cost.* The "Grace Period" is the period between the date of graduation and the date that repayment of a student loan must begin.Discover Card is serious about safeguarding your personal information online.When you access your account and perform transactions on the Discover site we use 128-bit-Secure Sockets Layer (SSL) encryption technology-the most widely used method of securing internet transactions available today.Borrowers should have favorable credit histories, and the maximum possible loan amount is the difference between the cost of attendance for attending a particular school and any other financial aid received, such as scholarships.The interest rate on Direct PLUS loans (7.21%) tends to be higher than Stafford (4.66%).
As a matter of fact, federal student loans have some of the lowest interest rates around, and do not require cosignatories, simply proof of acceptance to an educational institution.The fifty states have a wide variety of loan offers that differ immensely from state to state, usually offered by state agencies or state-chartered non-profit organizations. The list of available student loans offered by all fifty states is extensive; students should consult their state's department of post-secondary education for details about state-specific aid that is available.Similar to some federal student loans, certain state student loans may also contain forgiveness programs, though only if the student remains in the state after graduation.Grants and scholarships do not require repayment like loans do, and some of these can cover the entirety of a student's education costs, preempting the need for a loan.Work-study programs exist for students who have financial need and are able to work part-time.