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A Stafford loan is a government-secured student loan offered to graduate and undergraduate college students at rates that are much lower than other traditional loans. Unlike other Columbia student loans, a Stafford loan doesn't require credit report checks or collateral that other loans require. If you stay in college at least part-time, you will not have to make payments on the loan until after you receive your diploma. With rising tuition costs and a sluggish economy, Stafford student loans in Columbia are a great option for poor students. A Federal Stafford bank loan comes in two different types: subsidized and unsubsidized. Regardless of your credit score, the two types of loans are available to you in Columbia. Subsidized Stafford loans are given to students that are financially needy. The US government will pay any interest while you attend college. Unsubsidized student education loans are also available to students in need of assistance. Several students have multiple Illinois unsubsidized Stafford loans to take care of their school costs. A student loan consolidation program in Columbia allows you to lock in a low interest rate, combine several student loans with high interest rates into one low monthly payment, and put more money into the bank. Additionally, Columbia education loan consolidation programs do not usually charge prepayment fines, origination fees or application fees. In most cases, all you will have to do to consolidate your loans is fill out a simple application. Phone our representatives now for more information on student loans and consolidation in Columbia. With a federal Grad PLUS Loan, you can pay for your grad school tuition much easier. In Columbia, applying for a Grad PLUS Loan allows you to pay for all your educational expenses, including books, tuition, room and board, transportation, and other living expenses. Currently, student loans for Columbia graduate students are extremely affordable. Not only are interest rates low, but for Grad PLUS Loans, they are fixed. This means that your interest rate can never increase. Contact our helpful representatives for additional information and to talk about your options. If you've returned to university in Columbia after a long period of time, you might be confused about new regulations pertaining to financial aid and student loans. In the past few years, student loans have changed significantly and the qualification and application process is now quite different than it has been in the past. Do not be left in the dark when it comes to student loans in Columbia. Get your questions answered by calling our helpful representatives right now.