Granite State College: University System of New Hampshire

Educational Loans

Educational loans are loans originated by the government or a private bank to help students and parents pay for college expenses such as tuition, fees, living expenses, books and other educational-related expenses. Federal student loans offer a lower interest rate and will save you money through the course of repayment.

Federal DirectLoans

Direct Loans are low-interest loans for students and parents to help pay for the cost of a student's education after high school. The lender is the U.S. Department of Education (the Department), though the entity you deal with, your loan servicer, can be a private business.

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Federal PLUS Loans

PLUS Loans are unsubsidized loans based on credit history for the parents of dependent students and graduate students. PLUS loans assist with the cost of your education expenses up to the cost of attendance minus all other financial assistance.

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Alternative (Private) Student Loans

A private student loan is a financing option for higher education that can supplement federally guaranteed loans. These student loans are credit-based with a variable interest rate.

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