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But know that while a loan is easier to get than a grant or scholarship, it has to be repaid, oftentimes with interest. There are two different kinds of student loans: federal and private.
In 2010, the U.S. Department of Education announced stricter eligibility rules for federal financing of loans to student at for-profit schools, which were experiencing higher default rates. [45] Student loans totaled more than $1.3 trillion, averaging $25,000 each for 40 million debtors. The debtors average age was 33.
UC Berkeley, for instance, provided no-loan financial aid packages of grants, scholarships and work-study opportunities for the first time to 776 first-year students and 329 transfer students last ...
The more scholarships you apply for, the easier it will be to find the money for school and help reduce the amount of federal or private student loans you take out, so try to apply for as many as ...
Scholarships come from state, educational institutions, and private agencies. Scholarships can be awarded based on merit, financial need, student characteristics (such as gender, race, religion, family and medical history, and the like), creativity, career field, college, and athletic ability, among other categories.
In the U.S., a grant is given on the basis of economic need, determined by the amount to which the college's Cost of Attendance (COA) [6] [7] exceeds the Expected Family Contribution (EFC), [8] calculated by the U.S. Department of Education from information submitted on the Free Application for Federal Student Aid following formulas set by the United States Congress.
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