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Monthly Archives: May 2008

GoStudentSavings.com: Student credit and student loans

25-May-08

A typical college curriculum is loaded coursework dedicated to history, math, english, science, and whatever classes that support your actual major. The 1 thing that colleges lack in teaching is basic financial education, most notably how to handle debt; including credit cards, bad credit student loans, and finances beyond the college [real world] experience. Your […]

GoStudentSavings.com: Student credit and student loans

25-May-08

A typical college curriculum is loaded coursework dedicated to history, math, english, science, and whatever classes that support your actual major. The 1 thing that colleges lack in teaching is basic financial education, most notably how to handle debt; including credit cards, bad credit student loans, and finances beyond the college [real world] experience. Your […]

Can a PLUS Loan be discharged (canceled)?

25-May-08

Aye, under certain conditions. A discharge (cancellation) releases your parents from all obligation to repay the loan.
Your parents’ PLUS Loan can’t be canceled for these reasons: You, my mate didn’t complete your program of study at your school (unless ya couldn’t complete the program for a valid simple reason—cause the school closed, for example), ya […]

Can a PLUS Loan be discharged (canceled)?

25-May-08

Aye, under certain conditions. A discharge (cancellation) releases your parents from all obligation to repay the loan.
Your parents’ PLUS Loan can’t be canceled for these reasons: You, my mate didn’t complete your program of study at your school (unless ya couldn’t complete the program for a valid simple reason—cause the school closed, for example), ya […]

Is it ever possible to postpone repayment of a PLUS Loan?

25-May-08

Aye, under certain circumstances, your parents can receive a deferment on their loans.
If they temporarily can’t meet the repayment schedule, they can also receive forbearance on their loan, as long as it isn’t in default. During forbearance, their payments are postponed or reduced.
Generally, the conditions for eligibility and procedures for requesting a deferment or forbearance […]

Is it ever possible to postpone repayment of a PLUS Loan?

24-May-08

Aye, under certain circumstances, your parents can receive a deferment on their loans.
If they temporarily can’t meet the repayment schedule, they can also receive forbearance on their loan, as long as it isn’t in default. During forbearance, their payments are postponed or reduced.
Generally, the conditions for eligibility and procedures for requesting a deferment or forbearance […]

How do my parents pay back these loans?

24-May-08

They’ll repay a FFEL PLUS Loan to a private lender or loan servicer. They’ll repay their Direct PLUS Loan to the U.S. Department of Education’s Direct Loan Servicing Center. To read more about repayment options under both programs, read the PLUS Loans section in Funding Education Beyond High School: The Guide to Federal Bad Credit […]

How do my parents pay back these loans?

22-May-08

They’ll repay a FFEL PLUS Loan to a private lender or loan servicer. They’ll repay their Direct PLUS Loan to the U.S. Department of Education’s Direct Loan Servicing Center. To read more about repayment options under both programs, read the PLUS Loans section in Funding Education Beyond High School: The Guide to Federal Bad Credit […]

When do my parents begin repaying the loan?

18-May-08

Generally, the first payment is due within 60 days after the loan is completely disbursed. There is no grace period for these loans. Interest begins to accumulate at the time the first disbursement is made. Your parents must begin repaying both principal and interest while ya’re in school.

Other than interest, is there a charge to get a PLUS Loan?

14-May-08

Your parents will pay a fee of up to 4 percent of the loan, deducted proportionately each time a loan disbursement is made. For a FFEL PLUS Loan, a portion of this fee goes to the fed government, and a portion goes to the guaranty agency (the organization that administers the PLUS Loan Program in […]