Please see Stafford Student Loan Master Promissory Note Packet. Low Rates and Fee Interest rates on a Federal Stafford Student Loan are lower than rates on personal loans. There is a loan origination fee which will be deducted from the loan amount. No Payments Until You Leave School Monthly payments begin six months after you graduate or cease to be enrolled at least half-time. To Start You may start the Financial Aid process as early as your Junior year in high school.
Applications are also available at our community offices during lobby hours.
An application is only for one academic year. You must reapply each year to be considered for another loan. A Federal PLUS loan is a variable interest rate installment loan to help parents or legal guardians pay for their dependent students' post-secondary education. If You Need Additional Funds You may also qualify for a personal loan or one of our lines of credit. Any one of our loan officers will be glad to discuss these options with you.