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Education Financing and Student Loan Questions and Answers FAQ's Q&A's


What is a student loan?

A loan originated by the government or a private bank for educational expenses.

What is a Stafford loan?

Stafford loans are low-interest Federal loans at 3.46% during in school, grace and deferment periods. 

What is a Parent PLUS loan?

"PLUS" means Parents Loan for Undergraduate Students.

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What is A FAFSA Loan?

Federal student loan providers. FAFSA- (FREE Application for Federal Student Aid. Students must complete and submit the Free Application for Federal Student Aid (FAFSA) to the U.S. Department of Education annually. 

What is a Perkins loan?

The Perkins loan is a federal loan with a low interest rate.


What is an unsubsidized loan?
A loan on which the student is responsible for paying the interest that accrues on the loan from the date of disbursement until the loan is paid in full, regardless of enrollment or deferment status.

What is a college grant?

A form of financial aid that does not need to be repaid. A good deal of college grants are given out through federal or state governments.


Can I use a portion of my student loan for off-campus housing?

Yes. you can use your student loans for all school attendants factors related to college.

When can I consolidate my student loan?

You can consolidate now, but many of the lenders that are taking applications will not process the loan until July 1, so borrowers can lock in the lowered rates. The new rates will remain in effect until July 1. Consolidating can take 30 to 60 days; therefore, it may be best to start by April 30. For those struggling with payments, extending your payments up to 30 years can reduce your monthly payments. Consolidating as soon as possible can save you from default.  

I have private loans, can I consolidate them?

No. Private loans are not government backed. Rates on them fluctuate with the market and are usually higher than the government’s rates.

How should I select a loan consolidator?

Make sure you have good choices. If all your loans are with the same lender, and it offers loan consolidation, you must go with that lender. If you have loans with more than one, you can consolidate with any lender. 


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