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Loans must be repaid once you graduate or if you withdraw or drop to less than half-time enrollment. Each academic year, you’ll need to submit the FAFSA to Earlham to be eligible for federal loans. Since program cost and other aid you receive affect your eligibility for any Federal Direct Loan, your eligibility for loans is individually determined by Earlham’s Office of Financial Aid. The federal government offers two loans for students enrolled at least half-time: the Stafford Subsidized and the Stafford Unsubsidized. The difference between the two is that the government pays the interest on the subsidized loan (as long as you are enrolled at least half-time), while you are responsible for the interest on the unsubsidized loan.

Federal Loans

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Under the U.S. Department of Education’s federal student loan program, you may borrow funds from the federal government to help pay for your education. A federal student loan must be repaid along with accrued interest. There are five types of loans available:

Federal Subsidized Stafford Loan

Earlham College uses federal funds to offer Federal Direct Stafford Loans directly to students as borrowers. Annual maximums are listed below.

• $3,500 for first-year students (students with fewer than 29 semester credits)
• $4,500 for second-year students (students with at least 29 but fewer than 59 semester credits)
• $5,500 for third-and fourth-year students (students with 59 credits or more)

The interest rate for the Federal Subsidized Stafford Loan can vary depending on the date of the first disbursement of the loan. All interest rates for this loan are fixed for the life of the loan. (más…)

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Viele traditionelle Gerichte Kasachstan that is aus schmecken gut und die Rezepte werden von Generation zu Generation gegeben. Gastfreundlichkeit ist eine der wichtigsten Eigenschaften. Auch in Familien, in denen nicht viel Geld oder Eigentum vorhanden ist, findet sich immer Platz fur einen Gast, der mit warmen Armen empfangen und bewirtet wird. (más…)

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