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A COLLEGE LOAN MAY BE UNNECESSARY IF YOU GET SCHOLARSHIPS OR GOVERNMENT GRANTS
A college loan is often necessary in order to pay for higher education. There are also scholarships and federal government grants that students can get financial aid from. This kind of aid can help keep your college loans from becoming too high...
College Recruiting: a business for experts
Meanwhile quiet seems to be all that is going on the college
football scene most coaches are busy making phone calls and
anxiously writing letters and cards in an effort to woo the
nation's top high-school recruits. However coaches that do...
Enroll in Car College
One of the most overlooked opportunities for learning and personal growth is the time we spend in our cars. There really isn't much we can do safely in our car but drive. I know I see people doing all kinds of things such as curling their hair,...
Paying for College
College Payments
Paying for college is one of the largest expenses a parent will face in their lifetime, other than paying for a house. Because of this, care needs to be taken as well as special planning and allocations of finances in order to...
Students in Private Collegees
Young people don't always get what they expect when they attend Private Colleges. The quality of the education they receive depends on how prepared they were when they first enrolled.
Until recently I have taught technology classes...
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Do You Need A College Loan?
If you or a member of your family is planning to go to college, you probably should consider taking a college loan. There are several ways to put together financing for college and there are also several financial sources you can combine when you need a college or student loan.
The expenses for studying varies from school to school. Some schools might be so expensive that you might have to take out more than one loan. However, college financing is cheap compared with private loans and as a student, you can also take advantage of school based financial aid, scholarships and grants.
If you haven’t already decided which school or schools you are interested in and are going to apply to, you should make a list of
colleges that interest you (Harward, Standford, Johns Hopkins or others) colleges that you are likely to get into.
How much do you need?
Like I said above, since the cost varies between schools, the college that you choose to go to will what determines how much money You’ll need to apply for. Here is what you should do: Add together;
fees
tuition
other school expenses (for example housing, food, transportation, books, lab fees and other relevant expenses)
deduct money you might have saved for college.
This should give you a good estimate of the student loan you’ll need to apply for. Once again as mentioned, college as well as all federal loans are cheap;
Low interest rates, you can wait to start paying them
off until after your graduation.
Some types of student loans
Stafford Loans
These loans are meant for graduates and undergraduates and have a subsidized as well as an unsubsidized variant. The first means that interest doesn’t start to accrue before you begin to pay back your loan. Unsubsidized means that interest takes effect immediately.
Plus Loans - are targeted to parents of undergraduates.
Private college or student loans - Private loans should only be applied for, If you need additional funds.
If you put some time into applying for different scholarships –and there are lots of them – you may be able to finance your college experience without having to take out such big loans, or maybe even no student loans at all.
About the Author: Terje Brooks Ellingsen is a writer and internet publisher. He runs the website http://www.1st-in-loan.net Terje gives advice and helps people with personal financial issues like debt solutions for students and others, see http://www.1st-in-loan.net/debt_help.htm and online mortgage, see http://www.1st-in-loan.net/online_mortgage.htm
Source: www.isnare.com
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