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Best Student Loan Lenders
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Wanda Said:Best Student Loan lenders?
We Answered:Since stafford is a federal student loan, all lenders will offer the same interest rate. You should look for a large, reputable company to work with that has a lot of experience in student loans, such as Sallie Mae, Citibank, Bank of America, Chase.
Billie Said:What lender is best for getting a student loan?
Take a deep breath, and make sure that you understand the obstacles that you're setting yourself up for.
Let's start with the simple question - have you completed the Free Application for Federal Student Aid, the aid application better known as the FAFSA?
If you haven't, then that's probably the answer of your dreams, right there. Complete the FAFSA, and you will become eligible to borrow up to $7500 from the government-backed Stafford lending program. The Stafford is designed to provide a cheap and easy source of borrowed funds for US college students - the interest rate on a Stafford is low and fixed, and the lender won't ask you any questions about your income, your credit history or your debts. You don't need a cosigner, and your repayment doesn't begin until you've been out of school for 6 months.
If $7500 solves your problem, get that FAFSA application filled out at http://fafsa.ed.gov and you won't have any trouble getting a $7500 loan.
Now, earlier, you might remember that I mentioned "obstacles". If that $7500 is not going to solve your problem, or if you already receive that $7500 and you're looking to supplement that - well - then you have a problem.
I can understand that you're asking about a private loan so "innocently" as if it's just a matter of picking which of 40 lenders might give you the best deal, but that's only because you haven't done this before.
Yes, a few years ago, that is pretty much how it worked. There were a lot of student lenders, and they competed with each other to attract borrowers.
That's not how it is any more. I know you're read about the worldwide banking and lending crisis - well, welcome to "How does that affect me?". It affects you because there are now, literally, a tiny handful of lenders who even accept student loan applications - and they are ALL ultra-conservative in their lending practices. There are no legitimate lenders who will lend you $10 or $15 or $20,000 a year despite the fact that you have no job, no assets, and no credit history.
If you want a loan like that, you'll need to offer the lender a very highly credit worthy cosigner - someone who does have a great income and a well-established credit history, lots of assets, and not a lot of debts. Because you sound so determined to declare independence from your parents, I'm guessing that you won't be looking to them to become your cosigners.
So - long answer short - if you need $7500 and you're not already taking advantage of the government's Stafford program - complete the FAFSA and you're all set. If you need more than what the Stafford program will offer you - then you're asking the wrong question, in terms of "who's the best?". There is no "best" in that situation, because it's unlikely that you'll find a lender who will approve you for an educational loan - unless you have a cosigner.
Good luck to you!
Justin Said:What is the best student loan lender I should choose?
We Answered:Loans for students help the student to deal with all the expenses that are to be incurred during his education phase like it includes entire cost of the student’s education from tuition fees, accommodation, books, and computers to transportation and many more.
Many Banks, financial institutions, online lenders etc are ready to offer the loans for students. But students considering their precious time and finds easy to via online as it provides easy access than other source. There are a large number of requirements other than college or course fees.
Some of the most crucial are computer expense, hostel charges, and books and so on. The best college student loans are one which comprises all such expenses. But, to qualify for any such one, you have to give it your best shot as far search is concerned. Such purpose can be accomplished by exploring World Wide Web. You will find an innumerable number of lenders offering college student loans.
Nathaniel Said:Who is the best lender for a student loan?
We Answered:The answer is: the one that offers you the best terms.
Assuming you are talking about a Federal Stafford loan, much of the terms will be the same no matter who your lender is.
However, in an effort to be competitive, some lenders are offering incentives like reduction of interest points in repayment for auto debit, 36 consecutive ontime payments, etc. Talk with your school's aid office and ask for more information.
Lenders publish all the details in brochures and online.
Do your homework and you'll not be sorry!
Jordan Said:What is THE BEST private student loan lender you know of?
We Answered:You only have about 2 choices for private Student loans right now. Wells Fargo and Sallie Mae.
Sherri Said:Best private student loan lender today?
We Answered:careers.scienceontheweb.net - it provides some tips about applying to US federal and state grants for college students.
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