Friday, July 11, 2008

Federal Stafford loan

Federal Stafford loans first disbursed July 1, 2006 are fixed-rate, low interest loans available to undergraduate students attending accredited schools at least half time. Stafford loans are the most common source of college loan funds.

Eligibility
You must have submitted a FAFSA to be eligible for a Stafford loan.
For subsidized Stafford loans, you must have financial need as determined by your school.
You must be a U.S. citizen or national, a U.S. permanent resident, or eligible non-citizen.
You must be enrolled or plan to enroll at least half time.
You must be accepted for enrollment or attend a school that participates in the Federal Family Education Loan Program.
You must not be in default on any education loan or owe a refund on an education grant.
Features
Sallie Mae lenders offer borrower benefits on Stafford loans that can save you money in repayment.
Flexible repayment options are available for Stafford loans.
No payments are required while you are in school at least half time.
You can manage your account online 24/7 at www.ManageYourLoans.com.
You get life-of-loan servicing from Sallie Mae.
There is no prepayment penalty.
No credit check is required for a Stafford loan.
Six-month grace period when no payments are required immediately following your graduation or dropping to less-than-half-time status..





(more info: http://www.salliemae.com )

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