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Student College Loans

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Paying for college is a daunting task for both new and returning students. There are many types of student college loans, including federal college loans and private college loans. Each of these student loan types has different benefits for students.

Federal Student Loans

Federal student loans have the best rates and are insured by the U.S. Government. All students who are applying for federal student loans need to fill out the FAFSA form and must have the form submitted by strict deadline dates. Based on the student’s financial situation, the government may subsidize the interest while the student is in college.

Private Student Loans

Private loans have higher rates but offer other benefits for students. Private student loan applicants do not have to fill out the FAFSA, nor do they have specific deadline requirements. Those applying for a Think Student Loan – a private student college loan - can borrow up to $250,000 lifetime maximum aggregate and defer payments while in school.1

1 Interest will continue to accrue while your payments are deferred, and it will be capitalized (added to your principal loan balance) when repayment begins.