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Federal Student Aid
In the U.S., your first application is to fill out a Free Application for Federal Student Aid (FASFA). Please note that as the title suggests, this form is available for free. You can get assistance completing it by calling a toll-free number. Don't fall for scammers who promise to teach you the "secrets" to getting government money. I used to work at the federal student aid hotline, and I can tell you that EVERYTHING you need to know is available at no charge to you.
Different kinds of loans available include Stafford Loans for students and PLUS loans for parents. Different schools may also offer their own private loan programs for students and parents.
If you get a direct loan, you borrow money directly from the government. If you get a Federal Family Education Loan, the money will come from an entity like a bank or a credit union, but they will still need to follow all federal guidelines.
For more info, contact the financial aid office at your school!
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