what is considered a direct student loan
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Federal Direct Student Loan Program Federal Direct Student Loan Program. The William D. Ford Federal Direct Loan Program (also called FDLP, FDSLP, and Direct Loan Program) provides low-interest loans for students and parents to help pay for the cost of a student's education after high school. The lender is the U.S. Department of Education ...
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Direct Stafford Loans Subsidized Direct Stafford Loans—The government pays the interest at different points during the life of the loan (for example, while you are in school). Unsubsidized Direct Stafford Loans—You, the borrower, pay the interest, from the day your school first receives your loan funds until you pay off the loan in full.
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Direct Subsidized/Unsubsidized Loans Direct Subsidized/Unsubsidized Loans. Federal student loans are made through the William D. Ford Federal Direct Loan Program. Eligible students borrow directly from the U.S. Department of Education at participating schools, like UW-Madison.
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- What is the difference between a Direct Subsidized and a Direct Unsubsidized Loan? The Federal Government pays the interest for Direct Subsidized Loans while the student is in college or while the loan is in deferment. Interest begins accruing for Direct Unsubsidized Loans as soon as the loan is taken out.
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- Direct Subsidized Loans are available to undergraduate students who demonstrate financial need as determined by their completed Free Application for Federal Student Aid (FAFSA). The U.S. Department of Education pays the interest while you attend school at least half time, as long as you complete your program on time.
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Looking for Student Loans Without Cosigners? Read This. ED is your lender rather than a bank or other. financial institution. There are two types of. Direct Loans that graduate and professional. degree students may receive: • Direct Unsubsidized Loans—Eligible. students may borrow up to $20,500 per. school year.
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More Students Qualify for Unsubsidized Student Loans Federal Direct Loans. Government-backed loans are the best bet for college students because they come without formal credit checks that can stymie student borrowing efforts in the private loan sector. Direct Loans are also issued with low, fixed interest-rates that allow students to budget for repayment.
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Stafford Loans Stafford loans are for undergraduate, graduate and professional students enrolled at least half-time. As of July 1, 2010, Federal Stafford Loans are made to students only through the Direct Loan program. Stafford loans may be subsidized or unsubsidized.
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Glossary Only Direct Subsidized/Unsubsidized Loans and Federal Stafford Loans. (subsidized and unsubsidized) made through the Federal Family Education. Loan (FFEL) Program count toward the $138,500 aggregate. 12. Am I eligible for a Direct PLUS Loan if I have reached the $138,500.
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- Direct Stafford Loan. Direct Stafford Loans are student loans that must be repaid and are available to both undergraduate and graduate students. First-year undergraduates are eligible for loans up to $5,500. Amounts increase for subsequent years of study, with higher amounts for graduate students.
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DIRECT CONSOLIDATION LOAN APPLICATION A Direct Consolidation Loan allows you to consolidate (combine) multiple federal education loans into one loan. The result is a single monthly payment instead of multiple payments. There is no application fee to consolidate your federal education loans into a Direct Consolidation Loan.
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What Is An Unsubsidized Loan? Direct Subsidized Loans are loans made to eligible undergraduate students who demonstrate financial need to help cover the costs of higher education at a college or career school. 1  Because they are designed to help students with financial need, subsidized loans have slightly better terms and conditions. Direct Unsubsidized Loans are loans made to eligible undergraduate, graduate, and professional students, but in this case, the student does not have to demonstrate financial need to be eligible for the loan. PLUS, or parent loans, are also unsubsidized.
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Direct, Indirect, and FFEL Student Loans: What's the Difference? Direct and Indirect Loan Types. There are many different loan types, most of which can be either a direct loan or an indirect loan. If you took out your loan after June 30, 2010, however, your loan will be a direct loan. Stafford Loans. This is the most common type of student loan.
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What Is An Unsubsidized Loan? Interest: The U.S. Department of Education pays the interest on a Direct Subsidized Loan while the student is in school at least half-time, for the first six months after leaving school, and during a period of deferment. Students are responsible for paying the interest on a Direct Unsubsidized Loan during all periods.
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Student Loans Federal Direct Subsidized and Unsubsidized Loans™ are low-interest loans borrowed by the student themselves from the federal government. You can access your Direct Loan account information 24/7 at www.studentloans.gov, and work with your loan servicer to choose the repayment plan that works best for you.
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Stafford Loan Students applying for a Stafford Loan or other federal financial aid must first complete a FAFSA. Stafford Loans are available to students directly from the United States Department of Education through the Federal Direct Student Loan Program (FDSLP, also known as Direct). No payments are expected on the loan while the student is enrolled as a full- or half-time student, referred to as in-school deferment.
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Direct Subsidized Stafford Loans: How to Apply Since the federal government pays the interest while you are in school at least half-time, during the grace period, and during periods of authorized deferment, Direct Subsidized Loans are the least expensive federal student loans available.
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- Up until Oct. 13, 2014, Sallie Mae, while generally known as a private lender, worked as a loan servicer for two federal student loans: the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan (FFEL) Program.
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Federal Direct Loans Federal Direct Subsidized Loans are based on financial need. The federal government pays the interest during in-school, grace and deferment periods. Federal Direct Unsubsidized Loans are not based on financial need. The federal government does not pay the interest for Federal Direct Unsubsidized Loans.
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9 Best Student Loan Consolidation and Refinancing Companies in 2018 A Direct Consolidation Loan has a fixed interest rate for the life of the loan. The fixed rate is based on the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of 1%. There is no cap on the interest rate of a Direct Consolidation Loan.
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- READ THIS FIRST. • This is an application for a total and permanent disability dischargeof your William D. Ford Federal Direct Loan (Direct Loan) Program, Federal. Family Education Loan (FFEL) Program, and/or Federal Perkins Loan (Perkins Loan) Program loan(s), and/or your Teacher EducationAssistance for.
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Direct Subsidized Student Loans Repayment on a Direct Unsubsidized Loan starts six (6) months after you graduate or cease to be enrolled at least half-time. You will make your payments to your Federal Direct Loan servicer. All Direct Student Loans can be consolidated into one student loan when you graduate.
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Whatâs the difference between the two federal student loan programs (FFEL and Direct)? Direct loans, offered through the William D. Ford Federal Direct Loan Program, are actually made by the U.S. Department of Education, and the government serves as creditor and collector on the account. The primary differences between the two loans involved the sources of funding, the rates of interest on the loans, which loan consolidation options are available to borrowers, repayment terms and which assistance programs are available to those struggling with repayment.