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The Canada Student Loan Program (sometimes referred to as the National Student Loan) is administered by National Student Loan Service Centre [6] a part of Human Resources and Social (Skills) Development Canada (HRSDC). Students have the choice of opting for a fixed interest rate of prime interest rate, or a floating interest rate.
For the first 6 months after graduation, finishing studies, or no longer being a full-time college or university student: no loan payments are needed; interest is charged on the Ontario portion of the student loan; interest will not accrue on the Canada portion of the student loan [25] This is a 6-month grace period.
Because the interest rates are established by Congress, interest rates are a political decision. In 2010, the federal student loan program ran a multibillion-dollar "negative subsidy", or profit, for the federal government. Loans to graduate and professional students are especially profitable because of high-interest rates and low default rates ...
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Canadian students attending colleges in the US may obtain loans through the Canadian government's Ministry of Skills, Training, and Labour. Alternative loans Canadian international students may apply for are the Canadian Higher Education Loan Program, [26] Global Student Loan Corporation (GLSC), [27] and International Student Loan Program (ISLP).
Student loan refinancing involves applying for a new loan to repay your current student loans. Ideally, taking this step results in obtaining a lower interest rate or extending your repayment ...
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