Aes trainee Loans - Are They the Best Choice?

Student Loans Aes - Aes trainee Loans - Are They the Best Choice?

If you have been asking about student financing for any time at all, you maybe have seen or heard Aes student loans mentioned. Aes stands for American Educational Services, which is a group of Pheaa, The Pennsylvania Higher education assistance Agency. This group has been in existence since 1964. It is one of the pre-eminent full-service financial aid organizations in America.

Student Loans Aes

Aes student loans that are currently available include Parent Plus loans, Graduate Plus loans, Stafford loans, and varied Alternative loans.

Perhaps the most popular of the Aes student loans is the Stafford loan program, and it offers these features:

• All federal Stafford loans disbursed in the middle of July 1, 2009, and July 1, 2010, are fixed at 6.8% except for the undergraduate subsidized Stafford loan, which carries a fixed rate of 5.6%.
• No co-signer is needed
• No reputation check is done
• No payments as long as you attend school a minimum of half-time
• Subsidized interest payments for those who qualify
• 6-month grace period when you leave school
• No penalties for paying your loan off early
• Take as long as 10 years to repay - longer with flexible refund options

For parents who wish to pay for their child's education, there is the Parent Plus program, which features:

• Fixed interest rate of 8.5%
• Borrow the distinction in the middle of your child's cost of attendance and financial aid award
• No wage requirements
• Poor credit? May still qualify with credit-ready endorser
• Payments on interest can be tax deductible
• No pre-payment penalties
• Flexible refund options

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