What is a Student Loan?

Not everyone is aware of what is a student loan? Student loans, as the name implies, are available to students who require help with living costs while studying.

Student loans are part of the government's financial support package for degree only students embarking on a course of higher education. For most students, a student loan is their largest single source of income. So unless you have very generous parents, you will need to apply.

Regardless of where you are studying, if you are from England and Wales you will apply to your Local Education Authority using an HE1 form. They will then calculate how much you're entitled to receiving - as well as working out whether you need to pay tuition fees.

They will then send you back a form that you need to forward to the Student Loans Company (the government organisation that administers your student loan) who will process your application. This usually takes a month, so make sure you get the paperwork done well in advance of the start of term.

Although it is only a loan, you'll never be able to borrow money more cheaply, so it's the most cost-effective way of borrowing money while you're studying to pay for all those bills. The interest charged is only equal to the rate of inflation.

Unlike support towards tuition fees, you have to repay any loans. The Student Loan is repaid after you graduate (or after you leave the course, should you leave before completing). Repayments are calculated on a sliding scale and are repaid monthly directly to the Student Loan Company.

Should your salary fall below Ł10,000 payments are suspended until you earn above this figure again whereupon you will recommence payments. Interest on the Student Loan is calculated at a preferential rate which is far lower than any commercial bank loan rates.

Loans have the unfortunate tendency to mount up your debt. If you take the full Ł4,000 a year for three years that means you'll be Ł12,000 in debt by the end of your course - and if you're on a longer degree programme, that total could be even higher.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

MORE RESOURCES:

GM Likely to Seek Direct Loan From Fed - Barron's

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Get loans to automakers quickly, Engler says - Detroit Free Press

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Rescued by Fannie Mae? - Washington Post

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Home loan numbers at record low - BBC News

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UPDATE: GMAC Tightens Lending To Borrowers Of Auto Loans - CNNMoney.com

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Local lenders are making money and loans the old-fashioned way - Minneapolis Star Tribune

Sanchez#39;s column: Don#39;t blame minorities for economic meltdown - Kansas City Star

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/6i-0fd=Rurl=http://www.familysecuritymatters.org/publications/id.1455/pub_detail.aspcid=1255326638ei=2Xj0SPH1ApLgyQS5tYGTDQusg=AFQjCNEvv3VkrxXsDIGkY5VNs2j8u7LQHQimg src=http://news.google.com/news?imgefp=cA_QCcoUYUgJimgurl=www.familysecuritymatters.org/imgLib/20081014_acorn_yelling.jpg width=80 height=53 alt= border=1brfont size=-2Family Security Matters/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/6-0fd=Rurl=http://voices.kansascity.com/node/2406cid=1255326638ei=2Xj0SPH1ApLgyQS5tYGTDQusg=AFQjCNEahId31ALno10rBqkuevD3whW2MASanchez#39;s column: Don#39;t blame minorities for economic meltdown/abrfont size=-1font color=#6f6f6fKansas City Star,nbsp;MOnbsp;-/font nobr13 hours ago/nobr/fontbrfont size=-1Those people who never should have qualified for home bloans/b in the first place. The uncredit-worthy defaulters of all those nasty subprime bloans/b that caused b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-1fd=Rurl=http://www.chron.com/disp/story.mpl/business/buggs/6052705.htmlcid=1255326638ei=2Xj0SPH1ApLgyQS5tYGTDQusg=AFQjCNHLHr-mguTIXUk9D99WHf1xDAsuXACrisis has nothing to do with Reinvestment Act/a font size=-1 color=#6f6f6fnobrHouston Chronicle/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-2fd=Rurl=http://www.talkingpointsmemo.com/talk/blogs/kgoff74/2008/10/why-republicans-want-to-blame.phpcid=1255326638ei=2Xj0SPH1ApLgyQS5tYGTDQusg=AFQjCNHCCOTAepFaGRGDf2Kt-Fo38LCSzQWhy Republicans Want To Blame Fannie, Freddie and Community b.../b/a font size=-1 color=#6f6f6fnobrTPM/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-3fd=Rurl=http://www.indystar.com/apps/pbcs.dll/article%3FAID%3D/20081011/OPINION01/810110392/1002/OPINIONcid=1255326638ei=2Xj0SPH1ApLgyQS5tYGTDQusg=AFQjCNGQvLJuLfMlbbyQqbQ0HdIYGsUANwbLoans/b to low-income led to current crisis/a font size=-1 color=#6f6f6fnobrIndianapolis Star/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/6-4fd=Rurl=http://www.powerlineblog.com/archives2/2008/10/021764.phpcid=1255326638ei=2Xj0SPH1ApLgyQS5tYGTDQusg=AFQjCNFG59A-HqR6LuHCnAuu4TQN3-jWYAnobrPower Line/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/6-5fd=Rurl=http://www.newwest.net/topic/article/breaking_financial_crisis_not_the_fault_of_the_people_in_charge_of_everythi/C564/L564/cid=1255326638ei=2Xj0SPH1ApLgyQS5tYGTDQusg=AFQjCNHHmfpWZ1KCwj3SKdethPo83WTaZAnobrNew West/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=1255326638hl=ennobrall 58 news articles/nobr/a/font/div/font/td/tr/table

Mercantile Bank Corporation Announces 2008 Third Quarter Results - MarketWatch

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd 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/7-0fd=Rurl=http://www.marketwatch.com/news/story/mercantile-bank-corporation-announces-2008/story.aspx%3Fguid%3D%257BFFB39969-A595-466B-A72E-1C4276381E09%257D%26dist%3Dhpprcid=1257254212ei=2Xj0SPH1ApLgyQS5tYGTDQusg=AFQjCNGb5xm9Avy1JTfIjClUFrwWlWHABwMercantile Bank Corporation Announces 2008 Third Quarter Results/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr37 minutes ago/nobr/fontbrfont size=-1The early identification of problem bloans/b has provided us the opportunity to closely work with our distressed borrowers, and during the third quarter we saw b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-1fd=Rurl=http://www.earthtimes.org/articles/show/ameriserv-financial-reports-increased-earnings,576214.shtmlcid=1257254212ei=2Xj0SPH1ApLgyQS5tYGTDQusg=AFQjCNGpW3NfjqZKlIRPzoZrQfKXJm8vfwAmeriServ Financial Reports Increased Earnings for the Third b.../b/a font size=-1 color=#6f6f6fnobrEarthtimes (press release)/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-2fd=Rurl=http://www.marketwatch.com/news/story/townebank-reports-third-quarter-2008/story.aspx%3Fguid%3D%257BC096EF4E-05E5-482D-A354-CCEFABDC7953%257D%26dist%3Dhpprcid=1257254212ei=2Xj0SPH1ApLgyQS5tYGTDQusg=AFQjCNGD0qwgsPoDartnScZKXbd78JT-mATowneBank Reports Third Quarter 2008 Financial Results and b.../b/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-3fd=Rurl=http://www.marketwatch.com/news/story/sovereign-bancorp-inc-pre-announces-third/story.aspx%3Fguid%3D%257B4D2CF47D-63FC-409B-9DE7-DB384F314772%257D%26dist%3Dhpprcid=1257254212ei=2Xj0SPH1ApLgyQS5tYGTDQusg=AFQjCNGEF61ESilG3vTD1BDSotiWBsPfZQSovereign Bancorp, Inc. Pre-Announces Third Quarter 2008 Results/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1257254212hl=ennobrall 27 news articles/nobr/a/font/div/font/td/tr/table

Icelanders Sink Under Foreign-Currency Loans as Krona Plunges - Bloomberg

International Groups Offer Latin America More Loans - Wall Street Journal

Loans - Google News

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