STAFFORD

BORROWER: Student
MAXIMUM AMOUNT (PER YEAR): $5,500 (freshman)
CURRENT INTEREST RATE:  3.76% or 5.31% (fixed)
CREDIT CHECK REQUIRED?: No
INITIAL FEES:  1.1% (estimated)

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PERKINS

BORROWER:  Student, with remaining need after full Stafford
MAXIMUM AMOUNT (PER YEAR):  $3,000
CURRENT INTEREST RATE:  5.0% (fixed)
CREDIT CHECK REQUIRED?: No
INITIAL FEES:  None

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PLUS

BORROWER:  Parent
MAXIMUM AMOUNT (PER YEAR):  Up to full cost of school
CURRENT INTEREST RATE:  6.31% (fixed)
CREDIT CHECK REQUIRED?: Yes
INITIAL FEES:  4.3% (estimated)

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ALTERNATIVE

BORROWER:  Student, usually with cosigner
MAXIMUM AMOUNT (PER YEAR):  Up to full cost of school
CURRENT INTEREST RATE:  Based upon credit (variable)
CREDIT CHECK REQUIRED?: Yes
INITIAL FEES:  Varies

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