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Direct Loans Massachusetts

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

New York Mortgage Company Llcc
(508) 790-2010
1550 Falmouth Rd
Centerville, MA

Independent Mortgage Services Inc
(508) 339-8800
96 N Main St
Mansfield, MA

Metro Mortgage Co
(978) 459-9388
1 Courthouse Ln
Chelmsford, MA

New England National Mortgage Inc
(508) 752-9299
400 Grove St
Worcester, MA

Countrywide Home Loans
(781) 829-8548
156 Church St
Pembroke, MA

Peoples Community Credit Union
(978) 537-1064
319 N Main St
Leominster, MA

Dukes County Savings Bank
(508) 693-3232
State Rd
West Tisbury, MA

Hunneman Coldwell Banker
(617) 479-2600
60 Adams St Ste 1
Milton, MA

Slade Mortgage Group
(508) 255-7513
Orleans, MA

National City Mortgage
(413) 684-3140
399 Main St
Dalton, MA

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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:

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.)
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

Read more about Direct Loans

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