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Direct Student Loans

Direct Student Loans


A college education is an essential part of anyone’s career, so when it comes to getting money to attend a higher education college or university, direct student loans are your best alternative to check out. Of course, it is advisable to apply for federal aid or tuitions that available through school boards, but you must remember that not every one qualifies for federal student loans and tuition is only granted under specific requirements that you might not meet. Therefore, you may consider it as a viable option just like direct student loans.

Why Direct Student Loans?

No, you do not need to have the top grades in your class or to be your high school football team hero. Direct student loans are money that parents and students can borrow alike. Direct Student Loans are lended by the U.S. Department of Education and are easier to obtain. Depending on what your college needs are, your parents will more than likely qualifying for these types of loans. These loans include Direct Subsidized Loans, Direct Unsubsidized Loans; and Direct PLUS Loans, all of which have low interest rates. Direct PLUS however, are loans expressly designed for parents and both graduate and professional students.

Direct Student Loans in Brief

Direct Subsidized Loans and Direct Unsubsidized Loans are loans that only eligible students can apply for, but the minimum requisite is being enrolled at least part-time in a school that participates in these programs. Direct loans serve to pay for a four-year higher education whether technical school, pursing a trade, career, attending a university, college or community college. Direct PLUS loans are not only aimed to graduate students and professionals, but also parents of dependent undergraduate students, and these loans can help to pay for education expenses that are not covered by other type of financial aid.

Pay Direct Student Loans Later

Direct Student Loans is money that you can borrow before enrolling in a higher education institution. You will receive money to cover college expenses for as long as four years and you are required to pay back the loan after you graduate or leave school. However, you will be required to repay the loan if you drop below a specific amount of hours. However, there is a six-month period of grace after quitting before repayment is required.

Time is Now to Apply

Direct Subsidized Loans available for undergraduate students needing financial aid have better terms than other student loans, so do not hesitate to contact your school to find out how much you can borrow. Direct Unsubsidized Loans for undergraduate and graduate students are available to applicants regardless of their financial situation, so proof of financial need does not apply in this case. Direct PLUS loans, as noted above are available for parents as well, whether biological parents, stepparents, or adoptive parents, but be aware that parents are required to meet the same eligibility requirement that students are asked to meet to get federal aid. Make sure to qualify for a Direct Student Loan by applying today.