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A Federal Stafford loan is available in two different kinds: subsidized and unsubsidized. In Congress, each kind of loan applies to all students, irrespective of credit. Subsidized Stafford loans are for students which are of low income or in need. Using this type of loan, the federal government will pay the interest while you're attending school. Unsubsidized student loans are also available to students in need of assistance. Many Arizona individuals have unsibsidized Stafford loans to assist them to pay for their education. Congress student loans can be acquired through a variety of ways. It's not uncommon that students have a cosigner on the loan. In case you no longer need that cosigner you are able to have them sign a release. In this situation, you are able to take over the full obligation of the loan, thus liberating your cosigner from his/her responsibilities. After you've made several on-time payments, you then become the sole owner of the loan. Student loan consolidation allows you to benefit from today's lower interest rates and spend less money over time. Some student loan consolidation organizations allow you to take up to 30 years to repay your loan in addition to greatly reducing your monthly payments. Consolidating Congress students loans is a great option for students who have a few loans with high interest rates. Student loan consolidation organizations in Congress offer low introductory rates and no collateral, no-hassle loans for individuals who wish to lower their monthly student loan payments. Contact our representatives right now for additional information on consolidation options available in your area. A student loan consolidation program in Congress enables you to lock in low interest rates, bundle your federal student loans into one low monthly payment, and put more money into your pocket. In addition, Congress education loan consolidation programs do not usually charge prepayment penalties, origination fees or application fees. In most cases, all you'll have to do to consolidate your loans is fill out a simple application. Contact our associates today for additional info on student loans and consolidation in Congress. If you are a student in Congress who has returned to college after a significant absence, you might be unclear about new rules regarding financial aid and student loans. In the last few years, student loans have changed significantly and the application and qualification process is now quite different than it has been in the past. Don't be left in the dark when it comes to student loans in Congress. Call our representatives today to get all of your questions regarding college loans answered.