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Understanding Direct Loans
For the 2007-2008 academic year, 65.6 percent of al undergraduates received some form of financial aid. Of the 65.6 percent, nearly 40 percent received student loans. Although students may receive grants, which do not have to be paid back, they might not be enough to cover tuition costs, books, housing, and day-to-day living expenses. Student loan programs, such as the William D. Ford Federal Direct Loan Program , can help fill the gap.
Direct Loans are low-interest loans for students and parents. Direct Subsidized Loans for undergraduates with a first disbursement date between July 1, 2010 and June 30, 2011 have an interest rate of 4.5 percent. For graduate students Direct Subsidized Loans (no interest payments until after the grace period ends) have an interest rate of 6.8 percent and Direct Unsubsidized Loans (interest must be paid while enrolled) for all students have an interest rate of 6.8 percent. Direct Plus Loans have an interest rate of 7.9 percent.
Although the U.S. Department of Education is the Direct Loan Lender, the loan servicer is usually a private entity that is responsible for collecting, monitoring, and reporting loan payments. One such entity is American Education Services (AES) which was established by the Pennsylvania Higher Education Assistance Agency (PHEAA) to guarantee and service student loans for millions of borrowers across the U.S.
Direct Loans have loan limits and the limit depends on the year of study and whether the student is a graduate, undergraduate, dependent or independent. Direct Loan limits are as follows:
UST Executive Conference on the Future of Health Care
Dates: 11/5/2020 – 11/5/2020
University of St.Thomas Saint Paul
2260 Summit Avenue
Discover how you can play an active role in shaping the future by what you do within your organization and network with other health care leaders who are dealing with similar issues. The pace of change in health care has increased exponentially since our inaugural health care conference. And by the time the second annual conference convenes, Congress will have passed its bill for health care reform. We’ll have officially begun a new journey.Fortunately, visionary leaders have been helping to shape this next phase of health care. Investments in innovation and quality have led to some very effective – and often surprising – ways to cut costs, reduce errors, increase service and satisfaction, and improve access and outcomes. Bold initiatives such as these should be shared – especially during this transformative time, when we are all looking for fresh models of excellence. The University of St. Thomas and its partners invite you to participate in an inspiring day of learning, sharing and strategizing about how we can leverage innovation and quality to thrive in the new health care environment. Book Club:November 4, 2010Thursday, 5:00 p.m. - 9:00 p.m.Conference:November 5, 2010Friday, 8:00 p.m. - 4:00 p.m.Please visit the University of St. Thomas Executive Health Care Conference website for more information or copy and paste the following URL: http://ustfutureofhealthcare.com