you should know that there are plenty of different loans out there to help you get through it. There are lots of different types of loans with different terms and conditions. Before you start applying, it’s a good idea to know what these loans are so that you can decide on the right types for your needs.

Federal Student Loans

The most common loans for college are federal loans in the name of the student. There are Stafford Loans, which are the most common options. These loans come in subsidized and unsubsidized forms. Subsidized means that the government pays the interest while you’re in school. Unsubsidized means that the interest accrues as soon as you take out the loan.

It’s easy to apply for these loans. You just fill out a FAFSA online. The government and your school with automatically process your financial information and decide how much to give you in loans for your schooling.

Federal PLUS Loans

These are loans for parents of dependent college students. You can only use them if you can still claim your student on your taxes, basically. These loans have some of the features of the Stafford loans, which are lower interest and have long repayment periods. However, they are specifically for parents, and they will be made in the parent’s name rather than the student’s.

Alternative Loans

There are a whole host of alternative loans for college out there, too. They don’t come from the federal government but from individual banks and lending institutions. These loans are often made specifically for students, but they can also be for parents of students who can’t take out PLUS loans to help with education.

You need to be careful when applying for these types of loans because their terms can vary more widely. Different banks will have different rates and conditions for repayment, so looking at several different options before you make your decision can be wise.

All these loans are available to students of different financial backgrounds. Because of this, there’s no reason that any American student should be unable to afford a college education. Just learn how to apply for student loans, and take out what you need to get through school, paying it back as soon as you get done.

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2009 Student’s Toolkit for Federal College Aid: Ultimate Guide to Student Aid Programs including Pell Grants, Loans, Stafford, Perkins, FAFSA, PLUS, SMART, ACG, TEACH, Forms (CD-ROM)
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Demystifies the scholarship selection process Write winning essays and get financial aid Need money for college? This simple, straightforward guide shows you how to find scholarships, grants, and other “free money” to use toward your college expenses. You get expert advice on applying for federal grants, participating in state tuition plans, competing for scholarships from private organizations, and more – with tips on avoiding scams, completing your applications on time, and finding financial aid from unlikely sources. The Dummies Way Explanations in plain English “Get in, get out” information Icons and other navigational aids Tear-out cheat sheet Top ten lists A dash of humor and fun

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Applying for free government grants, loans and scholarships begins with the free FAFSA online application, which helps to determine the estimated family contribution and the government’s contribution. Apply for student financial aid, including the Pell grants, Stafford loans and Perkins loans, with financial advice from a guidance counselor in this free video on student loans. Expert: Cheri Ashwood Contact: www.wearehdtv.com Bio: Cheri Ashwood has a bachelor’s degree in psychology and education, and has been a guidance counselor for nearly a decade. Filmmaker: Christopher Rokosz

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