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k. You may be eligible to have some portion of your loans forgiven if you work in public service.

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k. You may be eligible to have some portion of your loans forgiven if you work in public service.

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10. It is unlikely that your lender will offer a loan forgiveness program.

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10. It is unlikely that your lender will offer a loan forgiveness program.

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9. You need to make sure there are no prepayment penalty fees.

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9. You need to make sure there are no prepayment penalty fees.

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i. There are several repayment plans, including an option to tie your monthly payment to your income.

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i. There are several repayment plans, including an option to tie your monthly payment to your income.

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h. If you are having trouble repaying your loan, you may be able to temporarily postpone or lower your payments.

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h. If you are having trouble repaying your loan, you may be able to temporarily postpone or lower your payments.

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8. Private student loans may not offer forbearance or deferment options.

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8. Private student loans may not offer forbearance or deferment options.

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7. Private student loans cannot be consolidated into a Direct Consolidation Loan.

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7. Private student loans cannot be consolidated into a Direct Consolidation Loan.

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g. Loans can be consolidated into a Direct Consolidation Loan.

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g. Loans can be consolidated into a Direct Consolidation Loan.

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4. Private student loans may require an established credit record. The cost of a private student loan will depend on your credit score and other factors.

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4. Private student loans may require an established credit record. The cost of a private student loan will depend on your credit score and other factors.

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3. Private student loans are not subsidized. No one pays the interest on your loan but you.

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3. Private student loans are not subsidized. No one pays the interest on your loan but you.

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2. Private student loans can have variable interest rates, some greater than 18%. A variable rate may substantially increase the total amount you repay.

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2. Private student loans can have variable interest rates, some greater than 18%. A variable rate may substantially increase the total amount you repay.

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e. You won’t need a cosigner to get a federal student loan in most cases.

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e. You won’t need a cosigner to get a federal student loan in most cases.

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d. You don’t need to get a credit check for most federal student loans (except for PLUS loans). Federal student loans can help you establish a good credit record.

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d. You don’t need to get a credit check for most federal student loans (except for PLUS loans). Federal student loans can help you establish a good credit record.

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1. Many private student loans require payments while you are still in school.

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1. Many private student loans require payments while you are still in school.

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c. Undergraduate students with financial need will likely qualify for subsidized loans where the government pays the interest while you are in school on at least a half-time basis.

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c. Undergraduate students with financial need will likely qualify for subsidized loans where the government pays the interest while you are in school on at least a half-time basis.

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B. The interest rate is fixed and is often lower than private loans—and much lower than some credit card interest rates. 

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B. The interest rate is fixed and is often lower than private loans—and much lower than some credit card interest rates. 

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1. Click below your assigned topic.
2.TITLE: Put both of your names in the title line (can't give you points unless you do this!)
3. WRITE SOMETHING: Translate your topic into normal, everyday English so simple a 4th grader could understand it.

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A. You will not have to start repaying your federal students loans until you graduate, leave school, or change your enrollment status

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A. You will not have to start repaying your federal students loans until you graduate, leave school, or change your enrollment status