student loan program

The Direct student loan program started approximately 15 years ago and was intended to cut out the middle man so that, instead of involving banks, credit unions and other private lenders, the Federal government loans the money directly to students and parents.

Direct loan programs overlap the alternative which is called the FFELP, or Federal Family Education Loan Program, which is a program designed to work through a network of private lenders. Since direct loan programs duplicate in many ways the FFEL programs, it is important to decide which program you want. Both programs offer both Stafford and PLUS loans.

The criteria for eligibility on both programs is the same and they follow identical need based guidelines, or have identical credit check requirements as those for non need based programs. Since both programs essentially provide the same loan funding this raises the natural question of how to choose between them.

To some degree the decision involves choosing which of two providers you will have to deal with. For example, although both will provide customer service personnel to answer any questions, in some cases you may find that private lenders will be more helpful and flexible while the government will be indifferent or more bureaucratic. This will not always be the case of course and sometimes you will find that just the opposite is true.

One of the best ways to get a feel for the service you are likely to receive from different lenders is to read some of the Internet forums dealing with the subject of student loans. Also with the tremendous growth of social networks in recent years it has become much easier to find a diverse set of opinions. Of course you do have to be careful as many of the views expressed are based more on personal taste than objective criteria, but reading the posts will quickly show you which side the poster favors.

There are however some more concrete differences between the two types of loan. For example, because FFELP loans are both funded and serviced by private financial institutions the organization with which you sign a promissory note might not be the organization to which you make repayments. It is a common practice these days for lenders to ’sell’ loans on to other companies in much the same as most mortgage companies do.

This is an important consideration because you might have gone to the trouble of finding a lender you like, choosing beyond simply the interest rate on the loan and repayment terms and preferring their customer service, only to find that your loan is sold on and you are dealing with a company which you had previously rejected. In the case of direct loans however, because loans are not sold on by the Federal government, this problem does not arise.

Perhaps the most important difference for the majority of lenders however will be the difference in rates, repayment terms and fees between the two. Here you need to remember that while the interest rates on Stafford and PLUS loans are officially fixed private lenders do enjoy some flexibility in other areas.

They might or might not for example charge both origination and insurance fees, which are currently assessed at 3% and 1%, according to Federal rules. Though these charges will still be applied to your loan, a private lender might agree to absorb these in order to get your business. They might as an example choose to alter the dates on which interest charges are calculated or to either extend a grace period or increase your repayment period.

At the end of the day the only way to discover just what is available is to shop around in much the same way as you would if you were looking for any other kind of loan.

About the Author:

TheStudentLoansCenter.com provides information on all aspects of college financing including obtaining low interest student loans and college loans consolidation

Article Source: ArticlesBase.com – The William D Ford Direct Student Loan Program

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A Counseling Program Development and Accountability Model: For Student
$22.77
A Counseling Program Development and Accountability Model: For Student

Student Audiocassette Program Part B T/A Pasajes
$96.95
Student Audiocassette Program Part B T/A Pasajes

The Student Assistance Program: How It Works (#5170a)
$6.84
The Student Assistance Program: How It Works (#5170a)

The Winston Grammar Program: Advanced Level, Student Workbook
$8.03
The Winston Grammar Program: Advanced Level, Student Workbook

Nachalo: Student Audio Cd Program: Lessons 1-7
$56.89
Nachalo: Student Audio Cd Program: Lessons 1-7

Student CD-ROM Program to Accompany ?Sab?as Que...?
$41.95
Student CD-ROM Program to Accompany ?Sab?as Que...?

Student CD-ROM Program t/a Que tal?
$18.56
Student CD-ROM Program t/a Que tal?

Student Audiocassette Program Part 1 fuw Destinos
$38
Student Audiocassette Program Part 1 fuw Destinos

Village Savings and Loan Associations
$29.48
Village Savings and Loan Associations (VSLAs) provide poor people in remote, rural areas with a safe place to store small amounts, and in doing so to build up a fund from which small, flexible loans can be taken by the members. These independent associations operate in areas that standard microfinance programs cannot reach due to high costs and have proved successful in more than 30 countries worldwide. They work without long-term technical support and injections of donor capital.Thirty years since the start of the microfinance revolution, poor people who live in many rural areas and urban slums still find it difficult to access appropriate microfinance products, even in countries with a well-developed microfinance sector. VSLAs based in the community are complementary to MFIs tending to serve the very poor whose income is less reliable, but also offering useful services to the economically secure.This manual offers a set of tools that will enable any organization, whether or not it has experience with microfinance, to set up and run successful VSLAs. It sets out a one-year program of VSLA formation, training and supervision, and includes guidance on approaches to impact evaluation and the use of a simple Management Information System to analyze field officers and overall program performance.

Home Loan Guaranty Program and Draft Legislation to Enhance This Program; Hearing Before the Subcommittee on Housing and Memorial Affairs of
$20
Title: Home Loan Guaranty Program and Draft Legislation to Enhance This Program: Hearing Before the Subcommittee on Housing and Memorial Affairs of the Committee on Veterans'' Affairs, House of Representatives, One Hundred Third Congress, Second Session, June 30, 1994 Publisher: Washington: U.S. G.P.O.: For sale by the U.S. G.P.O., Supt. of Docs., Congressional Sales Office Publication date: 1994 Subjects: United States. Dept. of Veterans Affairs Veterans -- Loans Law and legislation United States Loans -- Government guaranty Law and legislation United States Veterans -- Legal status, laws, etc. United States Loan sales -- United States Notes: This is an OCR reprint. There may be numerous typos or missing text. There are no illustrations or indexes. When you buy the General Books edition of this book you get free trial access to Million-Books.com where you can select from more than a million books for free. You can also preview the book there.

Proposal to Amend the 7(a) Loan Program; Hearing Before the Committee
$21.88
Title: Proposal to Amend the 7(a) Loan Program: Hearing Before the Committee on Small Business, House of Representatives, One Hundred Third Congress, First Session, Washington, Dc, July 29, 1993 Publisher: Washington: U.S. G.P.O.: For sale by the U.S. G.P.O. Supt. of Docs., Congressional Sales Office Publication date: 1994 Subjects: United States. Small Business Administration Small business -- Finance Law and legislation United States Loans -- Government guaranty Law and legislation United States Notes: This is an OCR reprint. There may be numerous typos or missing text. There are no illustrations or indexes. When you buy the General Books edition of this book you get free trial access to Million-Books.com where you can select from more than a million books for free. You can also preview the book there.

The Student Loan Scam: The Most Oppressive Debt in U.S. History}and Ho
$7.6
DIVDIVDIVAn Indie Next Notable TitleP/PP/PNamed one ofICNNMoney/I’s financial heroesI,/IAlan Michael Collinge argues that student loans have become the most profitable, uncompetitive, and oppressive type of debt in American history. In an unprecedented analysis of this $85-billion industry, Collinge covers the history of student loans, the rise of Sallie Mae, and how universities have profited at students’ expense while telling stories of people whose lives have been shattered as a resultincluding his own.P/P/DIV/DIV/DIVDIVDIVPThink credit-card debt is a problem? Take a look at the lives ruined through the corporate thug tactics, usurious fees and vicious harassment employed by some of the nation’s largest student-loan providers in this shocking exposé. [Collinge] reveals that since lenders make far more money from defaulted loans than they do from borrowers in good standing, they go to extraordinaryand illegallengths to force borrowers into default.[He] urges Congress to restore standard consumer protections to student loans, concluding with a call to arms for progressive changes, refinancing rights and a plethora of practical advice for borrowers. Comprehensive and stirring, this extraordinary book is whistle-blowing at its finest.BRIPublishers Weekly/I, starred review/PDIVThat Collinge writes from personal experience makesIThe Student Loan Scam/Ipassionate and informed.BRRich Barlow,IBoston GlobeP/P/IP/PAlan Collinge has lived through the national student debt crisis, and he has an astonishing tale to tell. Read and be outraged.BRAnya Kamenetz, author ofIGeneration DebtP/PP/P/IStudents and parents planning to borrow money to finance a college or technical school education should read Alan Collinge’s warnings and advice before they sign any loan papers.BRDavid Cay Johnston, author ofIFree Lun@fffffgÿ¾Úð

Nursing Student Black Cap
$15
Nursing Student

The Loan Solution: Nine Steps to Community Express
$6.38
The Loan Solution is written for aspiring and existing business owners who are considering financing through small business loans. It is the only resource available to help businesses to understand, apply for, and use the US Small Business Administration's (SBA) Community Express loan program. The Loan Solution has nine real-world, success-oriented steps that will lead the reader from awareness to loan approval in a short amount of time. The book provides checklists, cost of money calculations, tips for understanding and improving credit, a section for compiling all information required for application, and more. The author has helped hundreds of businesses to understand and benefit from this and other loan programs. She is a former Small Business Development Center director and her company is a current SBA Intermediary. Detailed information and supporting products are also available at www.CXLoan.com.

On Loan For Evolution
$25.99
On Loan For Evolution

Savings Loan
$13.99
Savings Loan

Life On Loan
$14.99
Life On Loan