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Direct Loans New York

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

Anderson Center for Autism
(845) 889-9226
4885 Rt. 9
Staatsburg, NY
American General Finance
(585) 865-1130
1600 E Ridge Rd
Rochester, NY
Beacon of Light Mortgage Co
(585) 621-3313
3205 Mount Read Blvd
Rochester, NY
Enterprise Mortgage
(585) 225-1542
1800 English Rd
Rochester, NY
Campus Auxiliary Services, Inc.
(845) 257-3371
Hasbrouck Dining Hall, SUNY New Paltz
New Paltz, NY
SUNY New Paltz School of Fine & Performing Arts
(845) 257-3860
Dean's Office CT 118
New Paltz, NY
Mountain Laurel Waldorf School
(845) 255-0033
PO Box 939
New Paltz, NY
New Paltz Central School District
(845) 256-4020
1 Henry W. Dubois Drive
New Paltz, NY
SUNY New Paltz
(845) 257-7869
HAB 901
New Paltz, NY
SUNY New Paltz Center for Research
(845) 257-2901
1 Hawk Drive
New Paltz, NY

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.

    ...

Click here to read the rest of the article at HowToDoThings.com

Author: B. Danesco

Featured Local Company

Anderson Center for Autism

(845) 889-9226
4885 Rt. 9
Staatsburg, NY
http://www.andersoncenterforautism.org
Read more about Direct Loans

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