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Direct Loans



There are four types of Direct Loans:

Federal Direct Stafford/Ford Loans (Direct Subsidized Loans)
Students must  explain the financial need to receive this type of loan. The federal government pays the interest on these types of loans while students are in school for  at least half time and during certain periods.

Federal Direct Consolidation Loans
These loans combine one or more federal education loans in one new Direct Loan. Only one monthly payment is made to the U.S. Department of Education. In some cases students who have loans under the Federal Family Education Loan Program may consolidate them into Direct Loans.

Federal Direct Unsubsidized Stafford/Ford Loans (Direct Unsubsidized Loans)
Students can get these loans but they don't have to show their  financial need but will have to pay all interest charges themselfs.

Federal Direct PLUS Loans
Parents of dependent students can get these loans to pay for their children's education. In this case student's parents are responsible for all interest charges.

Graduated Repayment Plan
Standard Repayment Plan
Income Contingent Repayment Plan
Extended Repayment Plan

These are the four ways by which a direct subsidized loan or direct unsubsidized loan can be repaid. To repay a direct plus loan above three options are available.


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Home Equity Loans and Second Mortgage Rates Direct
Offers quotes for second mortgages, debt consolidation, and home improvements. Fill out an application to get started.



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