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Perkins Loan repayment starts 9 months following graduation, witha fixed 5% interest rate.

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Interest rates are higher than federal student loans, but still fall below most other types of private financing (home, car, etc.) The Federal Family Education Loan program (FFEL) is a now-defunct lending program designed to provide American college students and their families with federally backed student loans. Perkins Loans Perkins loans are federally funded loans administered directly by your institution of higher education (IHE).

Consolidation Loans For students holding multiple federal loans, this program facilitates combining them into a single loan.

A single monthly payment replaces the need to pay each loan individually, and the repayment terms of the loan can be extended for up to 30 years.

Most students rely on a variety of funding sources to pay for college.

Personal savings and family contributions are one of the first places students turn, but often these resources don’t cover higher- education costs.

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