Stafford Loans, Federal Stafford Student Loan, Unsubsidized Stafford Loans, Subsidized Stafford Loans, Needs Based Student Loans

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Stafford Loans: Low-Interest Stafford Student Loans
backed by the U.S. Government

If you're an undergraduate or graduate student looking for a low-interest education loan, be sure to consider a Stafford loan, including subsidized Federal Stafford Loans and unsubsidized Federal Stafford Loans. If you're attending a vocational school instead of college, you may qualify for Stafford loans as long as that institution accepts Title IV funding.

OneSimpleLoan offers Stafford student loans. Even if you have bad credit or poor credit, you may still qualify for a student loan. Apply now for your student loan.

One of the most popular forms of student loans, Stafford loans are made directly to students. Because they're guaranteed by the government, Stafford loan rates are kept low. Perhaps best of all, no loan repayments are due until after you leave school or graduate!

Students can receive subsidized and unsubsidized Stafford loans for the same period:

Federal Subsidized Stafford Loan, need based financial aid:
Student loan awarded to students with financial need. The government pays the interest loan while you are in school at least half-time and during grace and deferment periods.

You don't have to start repayment until six (6) months after leaving school, with the government paying the interest during the interim ("grace period").

Federal Unsubsidized Stafford Loan:
Student loan available to all students regardless of need or income. The terms are similar to the Subsidized Stafford except you, as the borrower, are responsible for paying all of the interest.

Students may elect to defer interest and principal payments until they leave school. In fact, you don't have to start repayment until six (6) months after leaving school. However, you'll be responsible for the accrued interest.

	Low interest rates Stafford Loan interest rate is fixed at 6.8%.
	0% Guaranty Fee This loan fee has been waived for OSL Stafford Loan customers to lower your cost of borrowing.
	Tax benefits Interest may be tax-deductible
	No collateral required Even if you have bad credit, you may still qualify for a Stafford loan.
	No prepayment penalty
	No payments while you're still in school Payments are "deferred" until you graduate or leave school
	Convenient repayment terms Have more control over your cash flow, especially when you leave school
	Simple eligibility requirements You must be (1) enrolled at least half time in an approved two-year or four-year college or university and (2) a U.S. citizen or permanent resident
	Stafford Loans are eligible for Federal loan consolidation Helps you manage your education debt even after graduation

Fees
Stafford loans may be subject to an origination fee which is deducted from the original loan amount.

How Much in Stafford Loans Can You Borrow?
The federal government places loan limits on the maximum amount students may borrow through federally funded student financial assistance programs. Undergraduate students can borrow along the following guidelines:

Academic Level	Dependent	Independent
Freshman	$5,500 (up to $3,500 subsidized)	$9,500 (up to $3,500 subsidized)
Sophomore	$6,500 (up to $4,500 subsidized)	$10,500 (up to $4,500 subsidized)
Junior & Senior	$7,500 (up to $5,500 subsidized)	$12,500 (up to $5,500 subsidized)
Certification Programs	$11,500 (up to $5,500 subsidized)	$11,500 (up to $5,500 subsidized)

Graduate students can borrow up to a total of $20,500, with a maximum of $8,500 in subsidized Stafford Loans.

PLUS and Graduate PLUS student loan limits for each year are the annual cost of education (the "budget") minus other financial assistance.

It's Easy to Apply!
Our student loan specialists are ready to help you with your Stafford Loans. Please give us a call at
1-877-663-7467, or fill out our simple pre-qualification application form today. There's no obligation and no application fees!

By the way, to take full advantage of not only the Stafford Loan but also other student aid programs, you're encouraged to complete the Free Application for Federal Student Aid (FAFSA) form. This federal application is used to determine eligibility for most forms of education-related financial aid, including federal loans. (If you haven't, don't worry... we'll be happy to help you complete this form.)