Gradplus loans are becoming a huge hit among those students who are looking for cheap student loans.
Since these loans are unrelated to income or financial needs, a student seeking a loan cannot be turned down for making too much or too little money. This makes these loans a smart option for graduate students. So students, quickly avail of this loan and reap the benefits.
The federal GradPlus loans are one of the most widely-used low-cost educational loans for graduates and are ideal for getting that extra financial aid to cover your entire expenses. They have some unique features which make them very attractive for low income groups.
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A low, fixed rate of interest is set by the federal government for these loans. The current interest rate is 8.5% for loans given on/after July1st 2006. Grad-Plus loans can be repaid over 10 years under the Standard Repayment plan. The repayment can also be deferred if you are unemployed or are still enrolled in-school or are experiencing a medical or financial problem.
Extra benefits to be reaped form these loans are:
1. The federal GradPlus loan can be consolidated to facilitate one convenient payment while simultaneously lowering the monthly payments.
2. Pre payment penalty is nil.
3. The interest may be tax-deductible.
In terms of educational loans, Grad-Plus loan is one of the best. They help you finance your education even if you are in deep financial crisis. Thus if you are looking for a cheap student loan you possibly can't miss out this option.
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