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But unlike some other resources, loans must be paid back.

Loans, and associated interestcosts, typically keep graduates in debt for 10 years or more.

Your high-school guidance counselor and college financial aid office are equipped to sort out the specifics for your state.

You can also find valuable information on state higher education websites.

The loans are extended to students who have the greatest financial need.

In general, families with annual incomes below ,000 are eligible for Perkins Loans.

Interest rates are fixed at 7.9%, and borrowing limits are determined by subtracting all other financial aid award amounts from the total cost of attending school.Most students rely on a variety of funding sources to pay for college.Personal savings and family contributions are one of the first places students turn, but often these resources don’t cover higher- education costs.State-specific funding varies – some have none, while others have a great deal.Your FAFSA places you in contention for some state loans, but other programs require separate enrollment.Scholarships and grants are windfalls for college funding, because they do not require repayment.

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