What is a Student Loan? Simply Put..

September 26, 2012 under Student Loan News

In the United States, there’s types of student loans: federal loans sponsored by the federal government and private student loans.The overwhelming majority of student loans are federal loans. Federal loans can be “subsidized” or “unsubsidized“. Interest does not accrue on subsidized loans while the scholars are in school. Student loans may be offered as part of a total financial aid package that may also include grants, scholarships, and/or work study opportunities.


Prior to 2010, federal loans were also divided between direct loans–originated and funded by the federal government–and guaranteed loans, originated and held by private lenders but guaranteed by the government. The guaranteed lending program was eliminated in 2010 because of a widespread perception that the government guarantees boosted student lending companies’ profits but did not benefit students by reducing student loan costs.
Federal Student loans are usually less expensive than private student loans. However, the federal student lending program still generates billions of dollars in profit for the government each year, because the interest payments exceed the government’s own borrowing costs, loan losses, and administrative costs. Losses on student loans are very low, even when students default, in part because these loans cannot be discharged in bankruptcy unless repaying the loan would generate an “undue hardship” for the student borrower and his or her dependents. In 2005, the bankruptcy laws were changed so that private educational loans also could not be readily discharged. Supporters of this alter claimed that it would reduce student loan rates of interest.

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June 19, 2013 under Student Loan Videos


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Disabled In Debt

June 19, 2013 under Student Loan Videos


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Disabled people have lower incomes but often have extra costs associated with their impairment. This situation drives two out of five disabled people to seek…

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Guaranteed 125 Remortgage Loans Even For Bad Credit

June 19, 2013 under Student Loan Videos


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Education Book Review: Writing Fiction For Dummies by Randy Ingermanson, Peter Economy

June 19, 2013 under Student Loan Videos


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http://www.EducationBookMix.com This is the summary of Writing Fiction For Dummies by Randy Ingermanson, Peter Economy.

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June 19, 2013 under Student Loan Videos


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Romney Wishes Pres. Obama A Happy Anniversary – Presidential Debate

June 19, 2013 under Student Loan Videos


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《止杀令》曝李小冉特辑:这个女人不简单

June 19, 2013 under Student Loan Videos


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Cash Advance Loans And Credit Cards Are Not For High Ticket Costs

June 19, 2013 under Student Loan Videos


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Riverbed Technical Lead Steve Riley Q&A on Federal Cloud First Initiative

June 19, 2013 under Student Loan Videos


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Q&A with Riverbed Technical Lead Steve Riley on key areas of consideration for cloud computing for the federal led cloud first initiative.

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