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Extended repayment—available only if the student did not have a balance on a federal student loan as of October 7, 1998. Loan consolidation—allows a student to bundle all of their federal education loans into one convenient single monthly loan payment at a fixed interest rate. Depending on the student’s total outstanding loan balance, students may also be able to extend the repayment period and lower their monthly payments. Federal PLUS Loans made to graduate or professional students. Direct PLUS Loans made to graduate or professional students. Borrowers may qualify for loan forgiveness after 20 years of repayment for loans, or after 25 years of repayment for graduate study.
If applicant have not repaid their loan in full after making the equivalent of 25 years of qualifying monthly payments, any outstanding balance on their loan will be forgiven. Most students default because they are unaware of their options or they have not kept their information up-to-date with their Federal Loan Servicer, so they miss important information. University of Arkansas-Fort Smith offers several options that can help keep their loans in good standing, even if their finances are tight. If applicant have multiple student loans, simplify the repayment process with a Direct Consolidation Loan—allowing applicant to combine all their federal student loans into one loan for one monthly payment.
Historical Private Loan Lender Resource
Each lender loan programs may have different requirements, so be sure to review with their lender regarding their loan programs that applicant qualify for to best suit their need. This is not an exhaustive list of private loan lenders and SNHU does not guarantee the student satisfaction with the services and products provided by these or any other lenders. Under the Federal Truth in Lending Act , their private education loan lender is required to provide disclosure of loan terms and features at the time of application, a second disclosure after the initial application reaches an approval status and a final disclosure once the loan is accepted.
Entrance Exit Counseling
Loan counseling is required by the federal government for all Federal student loan programs. There are two types of loan counseling and they take place at different stages of the loan process. Entrance counseling helps students understand the rights and responsibilities of their loans before they incur the loan debt. Entrance loan counseling for direct loans is only needed once during a student's academic career at Saint Mary's College. Exit Counseling helps students to understand their rights and responsibilities as a student loan borrower, and also provides useful tips and repayment information to help students manage their loans. Propose solutions to discrepancies in loan balances and payments,.
Loan Repayment Plans
Example, if applicant have $35,000 in outstanding FFEL Program loans and $10,000 in outstanding Direct Loans, applicant can choose the extended repayment plan for their FFEL Program loans, but not for their Direct Loans. Loans applicant received under the Federal Family Education Loan Program, the Federal Perkins Loan Program, or any other student loan program are not eligible for PSLF. Step 6 — If their employment qualifies and some or all of their federally held loans are not serviced by FedLoan Servicing , those loans will be transferred to FedLoan Servicing so applicant will have a single federal loan servicer for all of their federally held loans.
Loan Repayment and Debt Management
Remember, student loans are real loans, just like car loans or mortgages. The the students.S. Education may grant a deferment on the Graduate Plus loan payment to align with the Direct Loan payment deadline. Federal student loans provide a variety of repayment options to suit their needs. Loan Repayment Estimator Direct Loan Program IBR calculator helps applicant determine their projected payment based on their loan debt and income information. NSLDS The National Student Loan Data System for Students gives applicant access to the current status of their federal student loans. The information includes loan balances, loan holders, and payments due.
Federal Loan programs offer a secure, government-regulated and reasonably affordable way to invest in yourself and their goal of a higher education. Even though some loans are based on financial need, there are programs available to all federally eligible students regardless of income. The Federal Direct Student Loan is available from the the students.S. Education. ASU disburses the loans after they have been approved and processed and classes have begun. Plus loan eligibility is not based on financial need, so these loans are made regardless of income level. The university’s first priority in conducting business with student loan providers is to ensure they have services that provide for the best interests of student and parent borrowers.
Direct Subsidized Unsubsidized Loan
Direct Student Loans are loans available to and graduate students with the US Education acting as the lender. There are two types of Direct Student Loans Subsidized and Unsubsidized. Independent loan limits also to students whose parents are unable to borrow through the PLUS program because of a credit denial. Aggregate loan limits for graduate students include loans received for course work.
Loan Repayment Information
Know their loan types and grace period 6 months for Subsidized, Unsubsidized and Grad PLUS, 9 months for Perkins loans. Applicant will receive information repayment and their loan servicer will notify applicant of the date repayment will begin, usually November for May graduates. It is important to make full and on-time payments each month in order to avoid defaulting on their student loans. Defaulting on their student loans DOES affect their credit! Loan Consolidation Consolidation is the process of combining multiple student loans into one new loan with a new repayment term, interest rate and monthly payment. There are loan forgiveness programs for teachers and other public service jobs, so don't miss out on any of these that applicant might qualify for.
If applicant have an Direct Unsubsidized loan, no payment is required while the students are enrolled at least half-time, but interest accrues from the time the loan is first disbursed. Applicant have a choice of repayment plans if applicant received a FFEL or a Federal Direct Loan. Student loans are real loans-just as real as real as car loans or mortgages. Applicant have to pay back their student loans. The the students.S. Education National Student Loan Data System allows applicant to access information on loan and or federal grant amounts, their loan status , and disbursements made.