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All About Federal Perkins Loans Posted By : Gen Wright
12/12/2008 - By Admin
To qualify for a Perkins loan your expected family contribution as determined by the government's free application for federal student aid must demonstrate the greatest level of financial needs. It is known that recipient of federal grants receive priority for Perkins loans. It is also known that it is a good idea to apply for your Perkins student loan early. When you are applying for financial aid, it is important to note schools will distribute Perkins loans on behalf of the government and when the funds are gone they are no longer available. This then means that even if you qualify for a Perkins loan you may not actually get it. So it is in your best interest to submit your FAFSA on January 1st or as close to that date as possible. This will help to ensure that you will get the maximum amount of Perkins loan funds that you are entitled too. You can be entitled to up to $4,000 per year for undergraduate schooling for a total of $20,000 over the course of the undergraduate program. Graduate students get up to $6,000 per year and $40,000 over the course of their graduate studies.
Paying back your student loans may seem intimidating but there are resources out there to help you pay it back, so dont delay when you seriously need the money to get through school. The best advice is to get loans now and worry about them after you graduate and once you are on a clear cut career path. To qualify for a Perkins loan you must be a United States Citizen or an eligible non-citizen with a valid social security number, demonstrate exceptional financial need, be working toward a degree or certificate in an eligible program, have a high school diploma, GED, or pass an approved ability-to-benefit test, register with the selective service if you are a male between eighteen and twenty-five and you need to maintain satisfactory academic progress.
The benefits of a Perkins loan are incredible every year billions of dollars are awarded to students in federal student aid, you dont need a cosigner, you can have bad credit or no credit, and the government pays your interest until you graduate. It is for these reasons that a Perkins loan may be your best choice in student loans.
Article Source http://www.articlesfeed.com/Article/All-About-Federal-Perkins-Loans/221993