Debt Consolidation Made Easy

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You pay less and in a shorter time with Debt Consolidation Programs. These companys provide the free service to help put you back on track and gain the upper hand in what can seem like an endless drowning in debt from various sources in your life. Free with No Obligation.

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Debt Consolidation Made Easy

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Student Loans Eligibility for Student Loans Student Loans Benefits Subsidized Unsubsidized Stafford Federal Perkins Plus Private Lenders Repaying Your Loan Loan Consolidation Loan Deferment Loan Forbearance Credit Cards How Credit Cards Work Credit Card Statistics Credit Card Tips Rates Variable Fixed Introductory Risk Pricing Home Mortgages Home Equity Loans Fixed Rate Mortgages Adjusted Rate Mortgages FHA Mortgages Reasons to Refinance How Much you can Afford Other Debt Management Options Debt Reduction Settlement Credit Counseling Consolidated Loan Title Loan Bankruptcy - Last Resort Management vs. Bankruptcy The Downside of Bankruptcy Process of Filing Chapter 7 Chapter 11 Chapter 13 Consumer Protection Laws Fair Credit Billing Act Fair Credit Reporting Act Fair Debt Collections Practices Act Other More Info From Our Sister Site Resources

Stafford Student Loans       Stafford Loans are a major form of self-help aid for students and can be subsidized or unsubsidized. Depending on the school you attend, your Stafford Loans may be made either through the Direct Loan Program or through the FFEL Program. Generally, schools participate in the Direct Loan Program or the FFEL Program, but not both. Direct and FFEL Stafford Loans have identical eligibility requirement and loan limits. The major difference between the two programs is the source of the loan funds and repayment options. Under the Direct Loan Program, the U.S. government loans you the funds. Under the FFEL Program, the funds for your loan are lent to you from a private lender (a bank, credit union, or other lender that participates in the FFEL Program).      If you're a dependent undergraduate student you can borrow annually up to: • $2,625 if you're a first-year student enrolled in a program of study that is at least a full academic year. • $3,500 if you've completed your first year of study and the remainder of your program is at least a full academic year. • $5,500 if you've completed two years of study and the remainder of your program is at least a full academic year.      If you're an independent undergraduate student or a dependent student whose parents are unable to get a PLUS Loan, you can borrow annually up to: • $6,625 if you're a first-year student enrolled in a program of study that is at least a full academic year (only $2,625 of this amount may be in subsidized loans). • $7,500 if you've completed your first year of study and the remainder of your program is at least a full academic year (only $3,500 of this amount may be in subsidized loans). • $10,500 if you've completed two years of study and the remainder of your program is at least a full academic year (only $5,500 of this amount may be in subsidized loans). Generally, if you're a graduate student, you can borrow up to $18,500 each academic year. (Only $8,500 of this amount may be in subsidized Stafford Loans.)