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The William D. Ford Federal Direct Loan Program (also called FDLP, FDSLP, and Direct Loan Program) provides "low-interest loans for students and parents to help pay for the cost of a student's education after high school. The lender is the U.S. Department of Education ... rather than a bank or other financial institution." [1]
Federal student loan interest rates are fixed for the life of the loan; however, the rates for new loans will change annually, based on the current market. The interest rates for the 2013–2014 academic year are as follows: 3.86% for undergraduate Stafford Loans (both subsidized and unsubsidized) 5.41% for graduate Stafford Loans [6]
Understanding the difference between subsidized vs. unsubsidized student loans could help you save a bundle in student loan debt. But considering how much they have in common, it’s ...
To qualify for SAVE, you must have a federally held student loan. All direct loans, whether subsidized, unsubsidized or consolidated, are covered under the program, including PLUS loans made to ...
Unsubsidized Federal Stafford Loans (aka Direct Unsubsidized Loans) Federal Direct Consolidation Loans You’ll also need to be employed as a full-time teacher at a low-income school for five ...
Any loan made under the Direct Loan Program can qualify for PSLF. In particular, Subsidized and Unsubsidized Stafford Loans, PLUS Loans, and Federal Direct Consolidation Loans qualify for PSLF. Loans in the FFEL program or Federal Perkins Loans can be consolidated into a Direct Consolidation Loan to become eligible for the program. [5]
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