Direct Loans Cerritos CA

If you're applying to college or currently attending college, you or your parents may be eligible for a direct loan. The following article explains what these loans are and how you can get one.

Local Companies

Firstline Mortgage
562- 425-2700
4531 Montair Ave
Long Beach, CA
A Payday Loan by Phone
714-490-5501
631 S Brookhurst St
Anaheim, CA
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714-396-6713
2113 W Beacon Ave
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MAXIMA HOME LOANS
(714) 635-4149
1777 W. Lincoln
Anaheim, CA
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(714) 765-8040
520 N. Gilbert St.
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Ef Loan DOT Com
714-533-0633
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562- 494-7700
1777 N Bellflower Blvd
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(714) 680-5344
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Area Check Cashing
562- 633-3277
3107 E South St
Long Beach, CA
HOPE UNIVERSITY
(714) 778-4440
P.O. Box 8495
Anaheim, CA

Direct Loans

If you're applying to college or currently attending college, you or your parents may be eligible for a Direct Loan. These are government loans that will help defray the cost of your education. They must be repaid, but they can help people afford an education which would otherwise be unaffordable. If you're considering applying for a Direct Loan, here are some steps to take in the process:

  1. Get to know what a Direct Loan is. A Direct Loan is a loan for students wherein the college gets money directly (no pun intended) from the federal government. Not all colleges participate in this program. Direct Loans for students are usually called Stafford Loans. When the parent of the student takes out the loan, it's called a PLUS Loan. (Note: there's another similar loan called the FFEL Stafford Loan.)

  2. Differentiate between a subsidized or unsubsidized loan. There are two categories of these loans: subsidized loans and unsubsidized loans.

    A subsidized loan means you aren't charged interest until it comes time to pay the loan back. You get a subsidized loan if you qualify on the basis of need. The government calculates "need" as what your family can contribute, plus other sources of payment (scholarships, etc) plus Pell Grant Eligibility all subtracted from what it will cost you to attend.

    Unsubsidized loans, on the other hand, will cost you interest right from the start until you pay it off in full. You don't need to qualify on a need basis for an unsubsidized loan, rather, you just need to be a regular student (in school to earn a degree or certificate) in an "eligible program" (school that is in the Direct Loan Program) and meet some other eligibility requirements and things like "dependent" vs. "independent" student status.

    ...

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Author: B. Danesco

Featured Local Company

Firstline Mortgage

562- 425-2700
4531 Montair Ave
Long Beach, CA

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