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Your financial aid office is best equipped to outline specific programs offered by your school.Student loans now have the potential to cost the federal government an estimated 0 billion as more borrowers opt for lower income-based payments and eventual loan forgiveness.Perkins Loan repayment starts 9 months following graduation, witha fixed 5% interest rate.

Interest rates are fixed at 7.9%, and borrowing limits are determined by subtracting all other financial aid award amounts from the total cost of attending school.Long-term and short-term institutional loans are used to pay for books, room and board, and other student expenses.Institutional loans are by definition campus-specific, so interest rates and repayment terms are determined by each educator.The loans are extended to students who have the greatest financial need.In general, families with annual incomes below ,000 are eligible for Perkins Loans.In Minnesota, for example, students are eligible for loans, under a program called SELF.

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