Disclaimer: The information obtained throughout the Nitro site is intended to be used for educational purposes only. All product names, logos, and other trademarks displayed within the Nitro site are the property of their respective owners. Here at Nitro we strive to provide you with accurate, up-to-date information, but suggest checking the source directly.
We recommend consulting a licensed financial professional before making any financial decisions. This site may be compensated through our partner relationships. Department of Education. Financial Aid. Other Resources. Other Calculators. Online Degrees. Online Colleges. Private student loans offer flexibility, since they can be taken out by a student often with a cosigner , parent, or creditworthy individual e.
This chart highlights the differences between federal loans vs private loans. Differences between federal loans vs private loans 1. Requires applying directly with bank or credit union.
Often allows borrowing up to cost of attendance COA less financial aid received. Cosigners may help increase chances of approval. Made to students based on financial need. Allows change in repayment plan after borrowing. Free money tip Want to pay less for college? Private student loans You can apply for private student loans when you need to, as long as you plan enough time for the lender to process your loan and disburse send money to the school.
Terms and conditions of federal loans vs private loans All student loans—federal and private—include terms and conditions. Here are the most important items you should understand when taking out a loan for college: Is this a federal student loan or private student loan? Who is the servicer? Is there a cosigner on the loan?
What is the interest rate? Is the interest rate fixed or variable? Enroll Today. Financial Aid Officers Resources. Account Access Notifications. Username: Your Username: must be 6 to 12 characters can only contain numbers, letters, and underscores. Your password must be 8 to characters and contain at least 3 of the following 4 criteria: an uppercase letter: A-Z a lowercase letter: a-z a number: any of these special characters:! Frequently Asked Questions We can assist you with your questions.
View FAQ. Who We Are Learn more about us, such as, how we were established and how we can help you with your student loans. Office of Consumer Advocacy Contact our Office of Consumer Advocacy if you need assistance with problems and concerns related to your student loans. What does the Office of Consumer Advocacy expect from you? Be transparent about your concerns and your situation so that we may best serve your needs. Understand that our ability to address your concerns will be based upon—and in some cases limited by—applicable federal and state laws and regulations, the terms of your loan agreement or promissory note, and lender policies and guidelines.
Communications Provided in Electronic Format. Your consent to electronic delivery of Communications remains in effect unless and until withdrawn by you. By providing consent, you expressly forfeit any right to object to the validity of any Communication based on the fact that it was provided in electronic rather than in paper form.
Based on your electronic delivery preferences, your consent to electronic delivery may include any and all Communications, including but not limited to: Legal and regulatory disclosures and communications associated with your Account or any product or service available through Account Access; Notices or disclosures concerning changes to any of our products or services, the terms of your Account, payments and responses to claims; Privacy policies and notices; Deferment and forbearance forms and other applications for products or services; Periodic billing or account statements for your Account; and Tax statements, such as IRS Forms E and C.
We will provide or make available to you electronic Communications in either plain text, HTML or Portable Document Format PDF by: Email; Posting them to a website designated in an e-mail notice sent to you when the Communication becomes available; or To the extent permissible by law, access to a secure website that we designate for such purpose. How to Withdraw Consent. You may withdraw consent at no charge by changing your electronic delivery preferences in Account Access or by contacting us at , accountinfo myfedloan.
Box , Harrisburg, PA If your loans are owned by the United States Government, you may also withdraw your consent by updating your profile on the StudentAid. At our option, we may discontinue electronic delivery of Communications if an email we send to you is returned undeliverable and we do not receive your updated and verified email address within thirty 30 days, or if we cannot otherwise reach you at the email address you provide.
Withdrawal of consent will be effective only after we have a reasonable period of time to process your request, after which future Communications will be provided or made available in paper form. See our private student loans. These loans are available through the Federal Direct Loan Program. Since federal loans offer different benefits than private student loans, you should always explore them first.
Applying for a federal student loan is free. In addition to federal student loans, the FAFSA also determines your eligibility for other federal student aid like grants and work-study. Want to pay less for college?
Sallie Mae and our partner Frank make applying easy with a faster, simplified process and step-by-step guidance—and it's free. Clicking this button on this page takes you away from salliemae.
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