Student loans were hard to come by when I graduated high school and there was little in the way of
student loan information, but today they have become a necessity for the millions of high school grads
who are planning on going to college.
The cost of tuition, along with on and off campus room and board, books, and well ... everthing, is
rising. Having been a student myself, there are a lot of things that you need money for.
At the same time there is an increased competition for scholarship, and scholarship funds are limited
anyway.
Fortunately, I sure wish I had access to it when I was in school, potential applicants can use the
Internet for student loan information.
The average cost for four years of in-state college tuition, these days, is over $40,000, with out-of-
state tuition often climbing towards the $60,000 to $80,000 range.
Ouch!
Many students don't have parents who are wealthy, or parents who are willing or able to pay out such
large amounts of money.
Why should parents have to refinance their mortgage or stick on their credit cards? Student loans
typically have a lower interest rate than a home mortgage and they are diffinitly lower, much lower,
than credit cards.
Students should not see loans as the solution to the financial problems of school.
Expenes include tuition, room and board, books, clothes, going out, and, of course, miscellaneous
items, and they can add up fast.
If a students only source of income is their student loan, they are going to be heavily in debt upon
graduation.
Students need to consider having a number of sources for their expenses while in college, including
part time employment, working during the summer and smaller scholarships to keep student debt low.
Student loans offered by the federal government allow low interest rates for students while they are in
college so that interest does not accumulate before graduation and often have a six to nine month grace
period after graduation allows students some breathing room while they find their first job.
They also do not run your credit report, as most 18, 19 or 20 year olds haven't established credit yet.
While they will ask for your social security number, it is to verify your repayment of the loan after
graduation.
As they are offered by the federal government, they are very secure and have low interest rates.
There are private, non-federal, loans, however they tend to be more expense.
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