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Sallie Mae Smart Option Student Loan
Sallie Mae offers students pursuing an online degree a private loan option to supplement federal aid. Short-term loans may receive a lower interest rate for students using a cosigner with good credit or automated payment options. Students make interest-only payments while enrolled at least part-time in an undergraduate or graduate program, and the Upromise option offers cash back for loans in good standing (www.salliemae.com).
Determining Federal Student Loan Amounts
The amount of money that a student can borrow from the federal government is based on the student’s financial need. That amount is determined by calculating the difference between the cost of attendance for an online program and the student’s expected family contribution. The expected family contribution is calculated based on the financial information that the student provides on the FAFSA. The cost of attendance can include many factors for online students, including:
Dependent care expenses
Private Student Loan Options
If federal student loans do not provide sufficient funds to meet all school costs, students and their parents may take advantage of other private loan options. Many federal and private loan alternatives exist to meet the needs of students seeking online degrees, including:
Banks, such as Citibank and Wells Fargo, offer loans for school with lower interest rates or accounts designed for school funding that provide a higher yield of interest.
Credit card companies, like Discover and American Express, include competitive student loans as part of their product offerings.
The Credit Union Student Choice program offers student loans through many credit unions across the nation with low interest rates and versatile payment options.
There are many federal loan options for online students, which are provided based on the student’s financial need. If that does not cover the student’s expenses, students may seek loans from other financial institutions.