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What is the best student loan if i want to go to optometry school?

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How do i find the best student loan?

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scholarships.onlinewebshop.net - it provides some tips about applying to US federal and state grants for college students.

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Sandra Said:

What is the best student loan?

We Answered:

{The good news is that, next year when you are a Junior, you will probably be eligible for more Stafford Loan funding than you were this year, since loan limits increase as you progress in school.]

Unlike with Federal Stafford and Perkins loans, private loan interest rates are credit-based. Lenders give the best interest rates to students who have good credit and/or have co-signers who do (even if you already have good and could be approved on your own, having a creditworthy co-signer usually helps lower your rate).

The Sallie Mae Signature Loan is the most popular private loan out there. If your credit (and/or your cosigner's) credit is excellent, you should be able to get a rate that's pretty close to Prime, if not lower. Citibank offers similar rates with their CitiAssist Loan.

Of course, if your credit isn't great and you don't have a co-signer, don't expect a very good rate. Generally, students in this position are thankful to be approved at all. Fortunately, more and more lenders are offering "private consolidation," so it's possible that, if you get a high-rate loan now, you will be able to pay it off using a lower-rate loan later. (Maybe.) Still, do your research as best you can and borrow only what you need.

Other options...

Where do you go to school? Some states have their own lending agencies that offer specialized loans to students who either reside or attend school in that state. Vermont (VSAC), Alaska (Alaska Commission on Postsecondary Education), and Massachusetts (MEFA), are examples of states that have lenders offering low-rate loans for their residents. Ask your Financial Aid Office if they know of any such loans that might apply to you.