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If you are approved, the rate you qualify for will be provided within the stated range.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"Does the interest rate change during the loan term?",{"text":68,"@type":64},"No. The interest rate is fixed and remains fixed for the life of the loan, so it will not change after your rate is determined.",{"name":70,"@type":61,"acceptedAnswer":71},"What loan fees and charges may apply?",{"text":72,"@type":64},"The disclosure lists an origination fee of 0% and late charges of 5.00% of the past due amount or $5.00, whichever is less. 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rate willbe between  \n6.490%and12.990%After the starting rate is set,yourrate will be fixed.  \n# Loan Fees\n\nLoan Cost Examples  \nschool.  \nAbout this example  \n# Your Interest Rate(upon approval)\n\nThe interest rate you will pay will be determined after youapply.The rate willbe established based on your credit history(and your cosigner's if applicable).If approved,we will notifyyou of the rate you qualify for within the stated range.  \n# Your Interest Rate during the life of the loan\n\nYour rate is fixed and willremain fixed for the life of theloan.This means that once your rate is determined,the ratewill not change.For more information on this rate,seeReference Notes.  \nThe rate will be fixed for the life of the loan.  \nOrigination Fee:0%Late charges:5.00 %of the past due amount or$5.00,whichever isless.Collection and Default Charges:In the event of a default,the borrower may incur additionalcollection charges as permitted under applicable law.  \nThe total amount you will pay for this loan will vary depending upon when you start to repay it.Thisexample provides estimates based upon three(3)repayment options available to you while enrolled in  \n\n| Repayment Option  \u003Cbr>(while enrolled in school)   | Amount  \u003Cbr>Provided  \u003Cbr>(amount provided  \u003Cbr>directly to you oryour  \u003Cbr>school)   | Interest Rate  \u003Cbr>(highest possible  \u003Cbr>starting rate)   | Loan Term  \u003Cbr>(how long you have  \u003Cbr>to pay off the loan)   | Total Paid  \u003Cbr>over 180  \u003Cbr>months  \u003Cbr>(includes  \u003Cbr>associated fees)   |\n| --- | --- | --- | --- | --- |\n| 1.DEFER PAYMENTS  \u003Cbr>Make no payments while  \u003Cbr>enrolled in school.Interest  \u003Cbr>will accrue and unpaid  \u003Cbr>accrued interest will be  \u003Cbr>added to your principal  \u003Cbr>balance when you enter  \u003Cbr>repayment.   | $10,000.00   | 12.990%   | 180 months  \u003Cbr>starting after the  \u003Cbr>deferment  \u003Cbr>period   | $27,579.60   |\n| 2.PAY ONLY THE  \u003Cbr>INTEREST  \u003Cbr>Make interest payments but  \u003Cbr>defer payments on the  \u003Cbr>principal amount while  \u003Cbr>enrolled in school.   | $10,000.00   | 12.990 %   | 180 months  \u003Cbr>starting after the  \u003Cbr>deferment  \u003Cbr>period   | $24,438.96   |\n| 3.MAKE FULL PAYMENTS  \u003Cbr>Make principal and interest  \u003Cbr>payments while enrolled in  \u003Cbr>school.   | $10,000.00   | 12.990%   | 180 months  \u003Cbr>starting after the  \u003Cbr>final  \u003Cbr>disbursement   | $23,126.40   |\n\nThe repayment example assumes you remain in school for twelve(12)months and have a six(6)monthgrace period prior to entering repayment.The repayment example is based on the rate provided above.SEE BACK OF PAGE  \n# Federal Loan Alternatives\n\n\n| Loan Program   | Current Interest Rates by Program  \u003Cbr>Type   |\n| --- | --- |\n| PERKINS  \u003Cbr>for Students   | 5.000%fixed   |\n| STAFFORD  \u003Cbr>for Students   | 4.660%fixed Undergraduate subsidized  \u003Cbr>&unsubsidized   |\n|  | 6.210%fixed Graduate   |\n| PLUS  \u003Cbr>for Parents and  \u003Cbr>Graduate/  \u003Cbr>Professional  \u003Cbr>Students   | 7.210%fixed   |\n\nYou may qualify for Federal  \neducation loans.For additional  \ninformation,contact your  \nschool's financial aid office or  \nthe Department of Education  \nat:  \nwww.federalstudentaid.ed.gov  \n# Next Steps\n\n## 1.Find Out About Other Loan Options.\n\nSome schools have school-specific student loan benefits and terms not detailed on this form.Contact your school's financial aid office or visit the Department of Education's website at:www.federalstudentaid.ed.gov for more information about other loans  \n2.To Apply for this Loan,Complete the Application and the Self-Certification Form.You may get the certification form from your school's financial aid office.If you are approved for thisloan,the loan terms will be available for 30 days (terms willnot change during this period,except aspermitted by law.The interest rate on this loan is fixed and willnot change).  \n# REFERENCE NOTES\n\nFixed Interest Rate  \n·This loan has a fixed interest rate.  \n# Eligibility Criteria\n\n·Borrower and cosigner,if applicable,must be US citizens or p","cbCaito9QKoSUPCp","https://ap.wps.com/l/cbCaito9QKoSUPCp","pdf",532090,"English","# Loan Interest Rate & Fees\n## Loan Fees\n## Your Interest Rate(upon approval)\n## Your Interest Rate during the life of the loan\n## Federal Loan Alternatives\n## Next Steps\n## REFERENCE NOTES\n## Eligibility Criteria\n## Bankruptcy Limitations","[{\"question\":\"How is my interest rate determined after approval?\",\"answer\":\"Your interest rate is determined after you apply and is established based on your credit history (and your cosigner's if applicable). If you are approved, the rate you qualify for will be provided within the stated range.\"},{\"question\":\"Does the interest rate change during the loan term?\",\"answer\":\"No. The interest rate is fixed and remains fixed for the life of the loan, so it will not change after your rate is determined.\"},{\"question\":\"What loan fees and charges may apply?\",\"answer\":\"The disclosure lists an origination fee of 0% and late charges of 5.00% of the past due amount or $5.00, whichever is less. It also notes that default may result in additional collection charges as permitted by applicable law.\"}]","Loan Interest Rate & Fees - Fixed Interest Rate | PDF",1790532474]