Parent Loans or Student Loans - What is Going to be Best for My Child?

Parent Loans or Student Loans - what is going to be best for my child?

At least 20% of college students need some type of loan to help pay for their college education. Such a statistic can lead to students graduating with an unmanageable debt load. An alternative is for parents to help out by taking out loans themselves. But which is the better option - student loans or parent loans? Each has distinct advantages and uses.

Federal student loans

Federal student loans have the lowest interest rates and best repayment options. If you need to take out loans and you qualify for federal loans, this is your best choice. Just be sure to accept only the funds you need, even if you are offered much more. Parents can always help their children pay off these loans once repayment begins after graduation.

Federal parent loans

PLUS Loans (Parent Loan for Undergraduate Students) are another loan option that comes with low interest rates. If you are a parent with dependent students attending college at least part-time and you have a good credit history, you are eligible to receive a PLUS Loan. These loans are not needs-based. You can borrow up to the total cost of undergraduate education expenses, minus other financial aid already received. Unlike federal student loans, payment is not deferred until after graduation; instead, your first loan payment will be due about 60 days after the loan is disbursed. Also unlike federal student loans, PLUS Loans require an application fee.

Private loans

Both students and parents can take out private loans to cover funding gaps. Terms are basically the same for these loans, although students may be able to have their repayment deferred until after graduation. Another consideration is that students may wish to take out small loans to begin to establish a credit history. You may need to cosign for private student loans.

Other options

Parents do have some additional options for college funding, such as home equity loans. These often have rates as good as private loans.

So which type of loan should I get?

This really comes down to a personal decision. Ask yourself these questions as you are trying to decide:

- What level of debt do you feel is manageable for your child to graduate with?

- How important is it to you that your child takes responsibility for paying student loans?

- Will you and your child work out a repayment plan to repay PLUS Loans and other parent loans?

This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we're dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about Parent Loans or Student Loans at http://www.NextStudent.com.

My goal is to help every student succeed - education is one of hte most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from SD.

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Greenberg Urges Altering AIG Loans - Insurance Networking News

Russia power firms seek state loans to fund capex - Reuters

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/8i-0fd=Rurl=http://www.reuters.com/article/ousiv/idUSTRE49E96820081015cid=1255135356ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNHDyGx3tF3sVb6ijgQLO6sk0kk71wimg src=http://news.google.com/news?imgefp=mY4370ovW9UJimgurl=www.reuters.com/resources/r/%3Fm%3D02%26d%3D20081015%26t%3D2%26i%3D6397180%26w%3D192%26r%3D2008-10-15T194837Z_01_BTRE49E1J1700_RTROPTP_0_BUSINESSPRO-US-CITIGROUP-RESEARCH width=80 height=54 alt= border=1brfont size=-2Reuters/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/8-0fd=Rurl=http://www.reuters.com/article/rbssEnergyNews/idUSLF4857120081015cid=1255135356ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNGKzOaxD1tFlWCxJN4gUK_1RMdZhwRussia power firms seek state bloans/b to fund capex/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr18 hours ago/nobr/fontbrfont size=-1MOSCOW, Oct 15 (Reuters) - Russian electricity companies are appealing to the government for cheap bloans/b as the credit crisis pushes lending rates to 25-30 b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-1fd=Rurl=http://www.guardian.co.uk/business/feedarticle/7878936cid=1255135356ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNHhHUDiYPBiYctKEUrD-QNnCeC3rwCrisis stresses in-house lending of US companies/a font size=-1 color=#6f6f6fnobrguardian.co.uk/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-2fd=Rurl=http://www.reuters.com/article/fundsFundsNews/idUSBNG30317820081016cid=1255135356ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNHjBj4EtoygnS4fRyFUHCXkURKYAAPRESS DIGEST - Wall Street Journal - Oct 16/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-3fd=Rurl=http://www.reuters.com/article/bondsNews/idUSBNG14847820081010cid=1255135356ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNFEIZjcrV_t_zJCRdaOfLRvKWsgngUPDATE 1-FX Energy gets $14 million more in bloans/b/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/8-4fd=Rurl=http://www.reuters.com/article/vcCandidateFeed7/idUSTRE49C87B20081016cid=1255135356ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNGT-PISnvsUD-xNBgS-P-nVitoBcAnobrReuters/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/8-5fd=Rurl=http://www.reuters.com/article/marketsNews/idUSN1347380620081013cid=1255135356ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNGtdFxBHfq-peA1RPXzl2-m45pS-QnobrReuters/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255135356hl=ennobrall 1,823 news articles/nobr/a/font/div/font/td/tr/table

Bad loans drag down Chase in 3Q - Bizjournals.com

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/9i-0fd=Rurl=http://www.reuters.com/article/ousiv/idUSTRE49E5XL20081015cid=1258078993ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNFW44go-QwjjefRsJMrw7I3wrJ6Wwimg src=http://news.google.com/news?imgefp=VB8m8BENKxAJimgurl=www.reuters.com/resources/r/%3Fm%3D02%26d%3D20081015%26t%3D2%26i%3D6392601%26w%3D192%26r%3D2008-10-15T144226Z_01_BTRE49E14UZ00_RTROPTP_0_FINANCIAL-WAMU width=80 height=54 alt= border=1brfont size=-2Reuters/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/9-0fd=Rurl=http://www.bizjournals.com/louisville/stories/2008/10/13/daily29.htmlcid=1258078993ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNGFnDrxeXi3vqmBkpCLzc4l2gc4SgBad bloans/b drag down Chase in 3Q/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1The latest results include $1.2 billion in bloan/b loss reserves and a $581 million gain connected with its acquisition of Washington Mutual’s banking b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-1fd=Rurl=http://www.usnews.com/blogs/the-home-front/2008/10/15/jpmorgan-earnings-down-credit-costs-way-up.htmlcid=1258078993ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNG-oNe4miTHdEJFP_TtS2eRGRD6sgJPMorgan: Earnings Down, Credit Costs Way Up/a font size=-1 color=#6f6f6fnobrU.S. News World Report/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-2fd=Rurl=http://www.timesgazette.com/main.asp%3FSectionID%3D1%26SubSectionID%3D1%26ArticleID%3D157960%26TM%3D34135.61cid=1258078993ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNHdC1DEc0GykK5_W30zVLsJg4IDEgWaMu can withdraw its offer/a font size=-1 color=#6f6f6fnobrHillsboro Times Gazette/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-3fd=Rurl=http://business.theage.com.au/business/jpmorgan-profit-slumps-20081016-51pb.htmlcid=1258078993ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNHwyydmWEqazNXhkqbNtjVVQ91bOAJPMorgan profit slumps/a font size=-1 color=#6f6f6fnobrThe Age/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/9-4fd=Rurl=http://www.nytimes.com/2008/10/16/business/16bank.html%3Fhpcid=1258078993ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNEc_XtV8lZ9ldD1oPLYW4Rn4lLYpQnobrNew York Times/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/9-5fd=Rurl=http://money.cnn.com/2008/10/15/news/companies/jpmorgan_chase/%3Fpostversion%3D2008101509cid=1258078993ei=Mej2SJjyM4SKgAOL_uSPCQusg=AFQjCNGVP5iwuaBPmAhvx1FuVqHI4AWlIgnobrCNNMoney.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1258078993hl=ennobrall 421 news articles/nobr/a/font/div/font/td/tr/table

Loans - Google News

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