Student Loans: Federal vs. Private Borrowing

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	Not all loans are created equal Unless you're the world's youngest oil baron or you got lucky with slots and scratch tickets, you're probably still looking for ways to pay your tuition bill. But act quickly! If it hasn't arrived already, it's probably on the way. And an unpaid tuition bill is a huge obstacle between you and your future, so compare your private student loan options now and remember: education is progress only if you have a way to pay for it. But navigating how and what to borrow can be a pain. Luckily SimpleTuition has been there, done that, and survived. Here's what we learned: Always max out your federal loans first. Not all federal loans are need-based, so fill out the FAFSA. Federal loans have fixed rates, flexible repayment terms, and deferment plans. Parents can even get in on the action with Direct PLUS Loans for parents of dependent students. But Federal loans have borrowing limits, so if you've already maxed out, it's tough-luck until next year. Consider a private loan, because borrowing privately can help fill the gap between what you have and what you owe when you've already reached your federal borrowing limit. The key is to compare your private student loan options because rates and borrowing terms depend on your credit, whether you have a cosigner, the lender, and the specific loan you apply for-and the difference in cost over the life of the loan can be substantial. A few clicks can save you thousands. Forward to a friend! View Custom Student Loan Options Your Student Loan Options Helpful Tips Student Loan FAQs Compare Loan Options You Could Win an iPad! Like us on Facebook for a chance to get an iPad! We'll give one away as soon as we hit 5,000 fans.
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