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A Federal Stafford loan is a loan issued by the government to college students at rates much lower than other conventional loans. Unlike other Spencer student loans, a Stafford loan does not require credit rating checks or collateral that other loans require. If you stay in school at least half time, you will not be required to make payments until after you graduate. With the rising costs of tuition and a slow economy, Stafford student loans in Spencer are an ideal option for struggling students. If you are a student in Spencer who has returned to college following a significant absence, you might be unclear about new rules pertaining to financial aid and student loans. In the past few years, student loans have changed and the qualification and application process is now quite different than it has been in the past. Don't be left in the dark when it comes to student loans in Spencer. Call our representatives today to get all your questions regarding college loans answered. Subsidized and unsubsidized financial loans are two different alternatives when obtaining a Federal Stafford loan for school. In Spencer, each kind of loan applies to most college students, regardless of credit rating. Subsidized Stafford financial loans are given to college students who are financially needy. Using this type of loan, the US government pays the interest while you are still in college. Unsubsidized student loans are also available to college students in need of assistance. Many Indiana college students have unsibsidized Stafford loans to assist them to finance their education. You can cover your graduate school educational expenses conveniently and quickly by applying for a federal Grad PLUS loan. In Spencer, you can pay for your textbooks, housing, tuition and other living expenses by applying for a Grad PLUS Loan. Currently, student loans for Spencer grad students are extremely affordable. Not just are interest levels low, but for Grad PLUS Loans, interest rates are fixed. This means that your interest rate can never increase. Call our pleasant reps for more info and to discuss your options. Educational institutions in Spencer are raising tuition prices nearly every semester to compensate for education budget cuts. Because the government came up short, students are left footing the bill. Don't give up on your dream of getting a college degree because you cannot pay tuition. You can receive the money you need now for books and tuition by applying for Spencer student loans. Most loans have low interest rates and do not need to be paid back until after you have received your degree. Call our experienced representatives right now for more information.