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ACCOUNT ANALYZER

	Federal Stafford Loan (unsubsidized)ii		Federal PLUS Loan iii	Federal Stafford Loan (subsidized)i
	Dependent	Independent	Federal PLUS Loan iii	Federal Stafford Loan (subsidized)i
Interest Rate	Variable Adjusted Annually	Variable Adjusted Annually	Variable Adjusted Annually	Variable Adjusted Annually Regulated by the Federal Government
Maximum annual loan limits (undergraduate)	$3,500 (First Year) $4,500 (Second Year) $5,500 (Third Year & Beyond)	$3,500 (First Year) $4,500 (Second Year) $5,500 (Third Year & Beyond)	Cost of attendance less other financial aid	$8,500
Maximum annual loan limits (graduate)	N/A	$20,500	N/A	$3,500 (First Year) $4,500 (Second Year) $5,500 (Third Year & Beyond)
Cumulative Loan Limits	$23,000 Undergraduate$65,500 Graduate/Professional	$46,000 Undergraduate$138,500 Graduate/Professional	N/A	$23,000 Undergraduate $65,000 Graduate & Professional
Borrower Fee	0% fee to Federal Government	0% fee to Federal Government	0% fee to Federal Government	0% fee to Federal Government

i Subsidized interest is paid by the Federal Government during in-school, grace, and deferment periods. Maximum variable rate is 8.5% on variable rate loans disbursed prior to 7/1/06.

ii Unsubsidized interest is paid by the borrower during the in-school grace and deferment periods. Interest can be billed to the borrower or capitalized by the lender. Maximum variable rate is 8.5% and regulated by the Federal Government.

iii Federal PLUS loans go into repayment immediately unless borrower has an outstanding loan prior to 07/01/93. Maximum variable rate is 8.5% and regulated by the Federal Government.

STUDENT LOANS

TYPES OF STUDENT LOANS

HOW TO APPLY FOR A STUDENT LOAN