Get More From Your Zero Fee Federal Stafford Loans in 2007-2008!
Beginning July 1, 2007, a change in federal regulations will increase the borrowing limits for National Education's low-cost Zero Fee Federal Stafford Loans. The annual maximums for Stafford Loans disbursed on or after July 1, 2007 increases to $3,500 (from $2,625) for first year students and to $4,500 (from $3,500) for second year students. All other annual maximums are unchanged.
Maximum Annual Loan Limits for Subsidized and Unsubsidized Federal Stafford Loans
| Years | Dependent Undergraduate Student | Independent Undergraduate Student | Graduate and Professional Degree Student |
|---|---|---|---|
| First Year | $3,500 | $7,500--No more than $3,500 of this amount may be in subsidized loans. | $20,500--No more than $8,500 of this amount may be in subsized loans. |
| Second Year | $4,500 | $8,500--No more than $4,500 of this amount may be in subsidized loans. | |
| Third Year and beyond (each year) | $5,500 | $10,500--No more than $5,500 of this amount may be in subsidized loans. | |
| Maximum Total Debt from Stafford Loans When You Graduate | $23,000 | $46,000--No more than $23,000 of this amount may be in subsidized loans. | $138,500--No more than $65,500 of this amount may be in subsidized loans. The graduate debt limit includes Stafford Loans received for undergraduate study. |
Zero Fees = More Funds
With National Education, Stafford Loan borrowers never pay the federal origination fee or federal default fee. That’s more money in your pocket to pay for college expenses.
Reduce Your Interest Rate to as low as 4.55%
Our WINNING COMBINATION SM borrower benefits lower your loan costs.
- 1% interest rate reduction after making your first 24 scheduled on-time payments, increasing to a
- 2% interest rate reduction after making your first 48 scheduled on-time payments
- .25% interest rate reduction for auto debit
We reserve the right to modify or discontinue benefit programs at any time without notice. Any termination or modification of the program will not affect the terms of loans previously made. Specific terms and conditions may apply, please call us if you have any questions.
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