| As a graduate or professional degree student, | | | | and Easy There's no credit check with a |
| even with your student grants and T.A.'s | | | | Stafford loan. To qualify, you just need to |
| salary, you may find you still have | | | | complete your FAFSA (Free Application for |
| school-related expenses to cover. To help you | | | | Federal Student Aid) and meet the Stafford |
| meet the costs of your degree program, | | | | eligibility requirements:  Enrolled or |
| NextStudent, a leading Phoenix-based | | | | accepted in an eligible graduate or |
| education funding company, offers graduate | | | | professional degree program, attending at |
| Federal Stafford Loans, which carry a low, | | | | least half-time  Maintaining |
| fixed 6.8% interest rate. And as long as | | | | satisfactory academic progress, as determined |
| you're enrolled at least half-time, you don't | | | | by your school  U.S. citizen or |
| have to start repaying your Stafford loan | | | | permanent resident  Not in default on |
| until you've finished your degree. Graduate | | | | any federal student loans  Registered |
| Stafford Loans Can Provide up to $20,500 a | | | | with the Selective Service if you're male and |
| Year The Stafford Loan Program offers two | | | | between the ages of 18 and 25 Once you're |
| types of student loans ( subsidized Stafford | | | | approved for your Federal Stafford Loan, a |
| loans (awarded on the basis of financial | | | | check will be sent to your school. After your |
| need) and unsubsidized Stafford loans | | | | tuition and other school-billed fees are |
| (non-need-based). You may qualify for either | | | | paid, you can use any remaining Stafford |
| type of Stafford loan or a combination of | | | | funds for your books, materials and other |
| both. With a subsidized student loan, the | | | | school-related expenses. After you've left |
| government will pay for any interest that | | | | school, you can choose to consolidate both |
| accrues while you're still in school, when | | | | your unsubsidized and subsidized Stafford |
| you're in deferment and throughout your grace | | | | loans with a Federal Student Loan |
| period. With an unsubsidized student loan, | | | | Consolidation ( . You get more time to repay, |
| you're responsible for all interest that | | | | and you could substantially lower your |
| accrues, even when you're not making student | | | | monthly payment. So when your T.A. salary |
| loan payments. Any interest that accrues | | | | doesn't stretch quite far enough, let |
| while you're postponing repayment-whether | | | | NextStudent help with a graduate Stafford |
| you're in school, in deferment, or in a grace | | | | loan. Apply for your Federal Stafford Loan |
| period-will be added to your principal | | | | today and get the affordable financing you |
| student loan amount for you to repay once | | | | need for graduate school, that lets you stay |
| your repayment period begins. As a graduate | | | | focused on getting your degree instead of on |
| or professional degree student, you can | | | | making student loan payments while you're |
| borrow up to $20,500 a year in Stafford loans | | | | still in school. NextStudent believes that |
| ( (of which no more than $8,500 may be in | | | | getting an education is the best investment |
| subsidized loans), up to a maximum cumulative | | | | you can make, and we're dedicated to helping |
| Stafford debt of $138,500 between your | | | | you pursue your education dreams by making |
| graduate and undergraduate Stafford loans. | | | | college funding simple. |
| Applying for a Graduate Stafford Loan Is Fast | | | | |