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Aes Student Loans: Is It Befitting Me? If you've been asking about student loans for any time at all you've probably heard about AES student loans. AES is the abbreviation for American Educational Services which is really a division of PHEAA The Pennsylvania Degree Assistance Agency. This agency has held it's place in existence se 1964. It is a with the major full-service school funding institutions in America. AES student education loans that are still available lude Stafford loans Parent PLUS loans Graduate PLUS loans as well as other Alternative loans. Of every one of the AES student loans the Stafford loan program seems to be the most popular and it offers these features: * All federal Stafford loans disbursed between July 1 2009 and July 1 2010 are fixed at 6.8% except for that undergraduate subsidized Stafford loan which carries a fixed interest rate of 5.6%. * No co-signer required * No credit asseent is done * No payments during some time you attend school the absolute minimum of half-time * Subsidized interest payments for people who qualify * 6-month grace period when you leave school * No penalties for paying your loan off early * Take as long as 10 years to repay – longer with flexible repayment options To assist parents wanting to cover their child's education there is the Parent PLUS program which features: * Fixed interest rate of 8.5% * Borrow the main difference between your child’s cost of attendance and educational funding award * No ome requirements * Poor credit? May still qualify with credit-ready endorser * Payments on interest may be tax deductible * No penalties for paying the loan off early * Flexible repayment options And you will find AES student loans for graduate students having to fill the space between financial aid and school costs. This program is known as the Graduate PLUS loan and yes it features: * Interest rate fixed at 8.5% * Borrow the real difference relating to the price of attendance and school funding award * No payments required when you attend school a minimum of half-time * No ome requirements * Bad credit? May still qualify with credit-ready endorser * Payments on interest could be tax deductible * No penalties for paying your loan off early * Flexible repayment options After you might have looked into and applied for grants and scholarships received a federal Stafford andor PLUS loan and still are coming up short to hide costs for college AES offers Alternative loans that may supplement federal student aid to round out of the college funding. AES now offers federal loan consolidation. With Federal student loan consolidation it is achievable to combine one or higher existing student education loans into a single new loan. If you're having difficulty making your monthly student loan payments then consolidation could be the best option for you. If you're an undergraduate or even a graduate student with a good credit score or poor credit you'll probably find that particular with the AES student education loans fits your situation. - loans 75000
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