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Wed Jan 14 16:14:25 CET 2015

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You and your family have the primary responsibility of paying for college. However, when those funds aren’t enough, you need to look at other resources. First, you need to make the most of scholarships and grants because the receipt of a Federal Stafford Loan may affect your eligibility for other financial aid. It may be beneficial to contact your school to discuss other types of student assistance that may be available. If you’ve already done that and still need-money, a federal student-loan is your best option. Federal student-loans are the better option compared to private student-loans because they have lower, fixed interest-rates, generous repayment plans, no prepayment penalties and no-credit checks (except for federal PLUS Loans). If you are applying for a student-loan and are unsure about whether it is a federal or private loan, documents for federal student-loans will state somewhere on the form that it is a federal student-loan.