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Most popular student loans

Many students heading in to college avail loans to further their studies. Student loans can be used for any college released expenditure, including tuition, room and board, books, computers, and transport costs. Upon completion of the course, many are unable to pay back their loan. It is best to choose the lender and loan most suitable to your requirements, so as to minimize repayment difficulty.

Some of the most famous types of student loans are offered through:

Federal Government – These loans (financial aid) are often the cheapest as they are subsidized. For lower and middle income families, the federal loans are usually the only option. As a student, the first step in applying for a federal loan, is completing the FAFSA (free application for federal student aid). This loan is further classified as subsidized – the government pays the interest while the student is studying and unsubsidized. These loans are made regardless of the borrower’s credit history and approval is automatic if the student meets the program requirements. Federal student loans are also made to parents, where the credit history is looked into and the approval is not automatic.

PNC student loans – This private loan is offered from one of the biggest banks in the country. They provide the flexibility of having a fixed or variable interest rate and they do not charge any application fee or origination fees. The borrowing limits offered are more than their competitors. Another plus point of PNC, is their excellent customer service.

SallieMae – They are one of the biggest and well known private student loan providers. They have been in the business for the past forty years and have a reputation of having served million of Americans. They let the borrower choose an interest rate type and the repayment option that works best for them.

Wells Fargo student loan – Wells Fargo is one of the largest banks in the Country. They do not charge any application, origination or, early repayment fee. The interest rates they offer are competitive (both variable and fixed). A pro to consider “ students need not start repayment until six months after leaving school.

College Ave student loan – The feature that stands out with College Ave is, they provide flexibility to students to save more money. Flexibility is also given to start making repayments immediately, or after you graduate. The application process is swift and there is no penalty for paying early.

Be aware that all private loan providers seek credit qualification and the interest will continue to accrue during any deferment period.

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