Student Loans Help!

My estimated cost for my classes alone is $1,701.71. The total amount of Grant I received is $5930.00 and I also have the choice to either accept or decline the Subsidized Loan of $3500.00. I was planning on declining the loan, but I realized the Grant includes the entire Fall and Spring semester, therefore my class fee for the whole year will most likely be around $3403.00. I know that My grant would still cover my classes, but I also need some supplies such as a computer (Which unfortunately my old one broke) and books ( which are always $$$) and other supplies. Should I still just decline the Loan or accept a partial amount of it??? Please Help!
Asked Jul 23, 2014
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Answered Mar 02, 2018
Student loans: First you will need to show proof that you are enrolled at an eligible school or college to qualify for a student loan and you must be a U.S. citizen or permanent resident. And student loans are depend on you are school student or college student. Lenders consider student loans as unsecured debt, but this doesn’t mean that it will hurt your credit score if you pay them on time.

Since they take years to pay off, the loans can help your score. The maximum amount you can borrow depends on factors. Undergraduates can borrow up to approx $12,500 annually.

Usually, your student loan figures into your overall debt-to-income ratio. So, if you’ve got a huge debt, it may affect your ability to qualify or afford a mortgage.

You should visit here for more information :
Answered Jul 11, 2019
Hi, rate of interest depends up person to person that bank there selecting whether or not there are applied education loan public bank or private bank depends up on the rate of interest.There are several banks are their high rate of interest, and low rate of interest.

Bank Education Loan Interest Rates in India

Avanse DHFL Education Loan 11.50%

Axis Bank Education Loan 13.70%

Bank of Baroda Education Loan 10.50%

Bank of India 9.85%

Bank of Maharashtra 10.25%

Canara Bank 9.95%

Central Bank of India 10.10%

Corporation Bank 10.90%

Federal Bank 10.85%

IDBI Bank 9.50%

Indian Bank 8.60%

Indian Overseas Bank 10.65%

Karnataka Bank 10.90%

Karur Vysya Bank 11.35%

OBC 10.40%

PNB 8.45%

SBI 8.85%

UCO Bank 10.65%

Union Bank of India 10.20%

United Bank of India 10.50%
Answered Sep 20, 2019

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