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from: Thousands of Dollars to Pay for College Could Be Just a Few
Clicks Away
Jeff Mictabor
If the cost of college and graduate school seems to be rising as
quickly as summer temperatures, it may be time to look into the
funding sources that could help you finance your postsecondary
education. To help families sort through the financial aid maze,
NextStudent, a leading Phoenix-based education funding company,
offers students and parents this quick guide to the types of
financial aid options that are out there.
It starts with financial need.
Financial aid can be classified into two main categories:
need-based and non-need-based. Need-based aid is awarded on the
basis of financial need, a federal determination of a student's
financial situation, using the financial information you provide
each year on the FAFSA (Free Application for Federal Student
Aid). Non-need-based aid is awarded without consideration given
to a student's financial situation. If you meet program
eligibility requirements, you can qualify for non-need-based
aid, regardless of your or your parents' assets or income.
There is such a thing as free money.
Scholarships and grants are a great way to help finance your
college education because they provide money for school that you
won't have to pay back--it's basically free money. Scholarships
and grants can be either need-based or non-need-based.
Federal Pell Grants are an example of need-based grants.
Non-need-based scholarships and grants include merit-based
awards. Some merit-based scholarships may be awarded
automatically with your admission; others require you to
complete an application process and compete against other
applicants.
There are millions of dollars in college scholarships available
every year. You can start looking by raiding the NextStudent
Scholarship Search Engine, a database of over 5.9 million
scholarships worth over $16 billion.
Federal student loans offer low-cost financial help.
After grants and scholarships, federal
students and parents with a smart, economical financing option.
Federal Stafford Loans for undergraduate and graduate students,
Grad PLUS loans for graduate students, and PLUS loans for
parents all feature low, fixed interest rates, flexible
repayment options, no prepayment penalties and no application
fees. Stafford loans don't require a credit check or a
co-signer. PLUS and Grad PLUS loans allow the borrower to take
out up to 100% of the cost of attendance, less other financial
aid received.
These federal student loans are also all eligible for student
loan consolidation. By consolidating your federal
> >student loans, you could cut your monthly student loan
payments almost in half. A Federal Student Loan Consolidation
could also give you up to 20 more years to repay, with the added
convenience of replacing multiple student loans and monthly
bills with one easy-to-manage loan and a single monthly
payment.
NextStudent Private Student Loans can cover what other financial
aid doesn't.
NextStudent's
> >Private Student Loans are unsecured, credit-based student
loans. These private student loans are non-need-based, so as
long as you meet the eligibility requirements, you won't be
disqualified for you or your parents making too much money.
A Private Student Loan can cover the difference between your
cost of attendance (which includes education-related expenses
like textbooks and an allowance for transportation to and from
school) and the amount of other financial aid you received.
NextStudent Private Student Loans are available not only to
undergraduate and graduate students, but also to continuing
education students and the parents of K-12 students.
Keep in mind that federal student loans usually have more
attractive terms than
you should always look into your federal financing options
first.
NextStudent believes that getting an education is the best
investment you can make, and we are dedicated to helping you
pursue your education dreams by making college funding simple.
Learn more about Student Loans, Private Student Loans and
Student Loan Consolidation at NextStudent.com.
About the author:
Jeff Mictabor is an enthusiast on the topic of student loan
issues in the news. He has been writing for the past 10 years
for a variety of education publications. He now offers his
writing services on a freelance basis.
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