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A Stafford loan is a loan issued by the government to college students at rates that are much lower than other traditional loans. Unlike a number of other student loans in Herrin, a Stafford loan does not require you to have flawless credit or supply collateral. If you stay in school at least part-time, you will not need to make payments on your loan until after you receive your degree. With the rising costs of tuition and a slow economy, Stafford student loans in Herrin are a great option for starving students. Credit cards are a good way to build your credit history, but you should be careful that you don't overspend. A few mistakes can get you into a mountain of debt. Many students use their credit cards too much particularly when they first get them. In Herrin, it is simple to get into a lot of credit card debt. Typically, Herrin student loans should cover the majority of your expenses, so if you get a credit card, be cautious about how much you spend. Call our associates to locate student loans in Herrin so that you can stay out of credit card debt. In Illinois, it is possible to submit an application for student loans for bad credit. Even if your credit rating is poor, it is possible to still manage to go to college. The federal government provides several different types of non-credit based loans and grants. Federal Stafford Loans, Perkins, Loans, and Pell Grants are only a few. By the same token, you should not ever forget about the possibility of a Herrin student loan or scholarship grant as well. Due to the current recession happening in the United States, many parents struggling to send their kids to college. Many families do not have enough money to pay their monthly bills and therefore do not have the money to pay high educational expenses. Do not let lack of funds hold you back. Let your son or daughter get the education they deserve and pay for it by getting student loans. There are many student loans in Herrin that have low interest rates and are created specifically for parents. Call our associates today to locate a lender in Herrin. Consolidating your Herrin student loan enables you to lock in low interest rates, bundle your federal student loans into one low monthly payment, and put more money into the bank. In addition, Herrin education loan consolidation programs do not usually charge prepayment fines, origination fees or application fees. In most cases, you can complete a simple, online application to get a loan consolidation, making it a simple, affordable way to lower your student loan payments. Phone our representatives today for more information on student loans and consolidation in Herrin.