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Federal Student Aid

Complete the Free Application for Federal Student Aid (FAFSA) form, apply for financial aid before the deadline, and renew your FAFSA form each school year.

Here's How Much of Your Income Should Go to Student Loans Each Month

Experts often recommend that students not borrow more than 8% to 10% of their projected monthly gross income or 20% of their “discretionary income.” On the other hand, the Consumer Financial Protection Bureau (CFPB) says students should not borrow more than their expected starting salary ... Adam’s work has also appeared in Business Insider, Forbes, Nasdaq, The Penny Hoarder, Yahoo! Finance and many other outlets. ... Ask financial experts how much of your monthly income should go toward, say, housing, and you’re likely to get a quick response: 30% or less. Try asking them the same question, except about student loan payments, and you'll likely hear "well, it depends." So how much of your income should you actually be putting toward student loans each month in an ideal budget?Experts often recommend that students not borrow more than 8% to 10% of their projected monthly gross income or 20% of their “discretionary income.” On the other hand, the Consumer Financial Protection Bureau (CFPB) says students should not borrow more than their expected starting salary one year after graduation. Ads by Money. We may be compensated if you click this ad.Ad · Take control of your student loans today! Refinancing your Student Loans could save you money on interest, help pay off your loan faster and even free up extra cash in your budget. Why wait? Click on your state to get started today! ... For example, if the starting annual salary for a chemical engineer is $62,000, your total student loan amount should not exceed that number.Whether you’re a student trying to figure out how much you can afford to borrow, or you graduated years ago and are simply trying to get a handle on your loans, some basic budgeting fundamentals can help you balance student debt with other financial needs and goals. Here’s what financial planners say you should know about budgeting for student loan payments.Instead of forcing your budget into the 50/30/20 breakdown, some financial planners instead tweak the rule to better reflect the reality that millions of Americans owe five- or six-figure student debt. Hughes, for example, uses a 60/20/20 breakdown to create a budget: 60% fixed needs (includes monthly student loan payment and credit card payment if used for fixed expenses)

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6 Best Budgeting Apps for College Students and How to Choose One for You - College Finance

Keeping track of spending habits ... personal finances and teach you how to budget. CollegeFinance.com has curated a list of the best budgeting apps out there to help you figure out which one you should use. A key component to budgeting is organization. Budgeting apps can help you manage things like bank account statements, due dates for credit cards, savings account balances and student loan ... Keeping track of spending habits and how to save money is not always the easiest thing to do, but thankfully, there are many great apps that make it super convenient to manage personal finances and teach you how to budget. CollegeFinance.com has curated a list of the best budgeting apps out there to help you figure out which one you should use. A key component to budgeting is organization. Budgeting apps can help you manage things like bank account statements, due dates for credit cards, savings account balances and student loan repayment.Use this list of the best budgeting apps for college students as a guide to help you decide which one to use. Overview: Mint allows you to manage all of your finances, including checking and savings accounts, credit cards and student loans in one space.Keeping track of personal finances can be overwhelming for college students. With help from these budgeting apps, it becomes much more manageable.Some load up on extracurriculars and others work part-time jobs. As a college student, you are tackling the kinds of challenges that come with adulthood, and you are probably tackling them for the very first time. This can prove overwhelming, especially when it comes to finances and budgeting.

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College Ave Student Loans: Our Independent Review

Get an in-depth analysis of College Ave Student Loans, from interest rates and loan options to repayment flexibility and customer service. Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate student loans to write unbiased product reviews. Business Insider's personal finance team compared College Ave to the best private student loans and found it to be an industry leader.College Ave is a private student loan lender offering a wide variety of undergraduate, graduate, career, and parent loans that can help finance your educational goals. · The lender boasts multiple repayment term lengths and competitive interest rates, as well as strong customer support. It's one of our picks for the best student loan refinance companies.College Ave is best for borrowers who want a competitive APR and want to avoid origination fees. The company also has a variety of degrees it will finance. · You should think about your federal student loan options before applying for any private student loan, including one with College Ave, as you can usually get more favorable terms and protections through the government.College Ave may require certain financial documents including proof of income and residency. · Accept your loan offer. After you get all your documents in order, College Ave will send you a formal loan agreement. It will fund your loan after you sign on the dotted line. College Ave student loans come with many notable benefits.

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Student Loan Interest Rates 2024: Federal and Private Loan Rates Explained

You should also explore your options for student loan forgiveness, though you'll have to meet specific requirements to be eligible. · Another option is to make biweekly payments instead of paying once a month, but you'll need to assess whether this fits with your budget. As mentioned above, opting for a fixed-rate student loan can protect you against rate hikes in the future. But even a fixed student loan interest rate can put a large dent in your budget.Stay updated on the latest student loan interest rates for 2024. Learn about federal and private loan rates, factors that influence them, and tips to secure the best rates.Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate student loans to write unbiased product reviews. Student loans can help bridge the gap between the total cost of going to college and the amount of financial aid your school offers.If you take out a federal student loan, it will likely be either a Direct Subsidized or a Direct Unsubsidized loan. The main difference between the two is that subsidized loans are harder to qualify for than unsubsidized loans; applicants need to demonstrate financial need.

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Best Budgeting Apps for January 2025: Top Picks, Features, and Benefits

Discover the best budgeting apps for January 2025. Our picks are free or have low subscription fees, as well as other standout features. The primary benefit of using a budgeting app is that it gives you a big-picture view of your financial situation. Many budgeting apps let you link different types of bank accounts, investment accounts, credit cards, and loans.Budgeting apps also connect investment accounts, credit cards, and loans, so you'll be able to see everything in one place. Also, if you are currently unbanked because you don't have a U.S. ID, know that you have options. The top banks for immigrants and non-U.S. citizens allow you to provide a foreign passport or Matricula Consular to open a bank account. ... A budgeting app is beneficial for tracking expenses and sticking to a budget. It can also help you save for financial goals and prevent lifestyle creep.Quicken Simplifi is a great budgeting tool if you want to create a detailed monthly spending and savings plan and don't mind paying for a subscription. If you would rather get a budgeting app that doesn't have a subscription fee, you'll have to consider other options. Quicken Simplifi review ... Stay on top of your finances in under 5 minutes per week.Honeydue is a budgeting app designed specifically for couples and it's also a free budgeting app. The sign-up process is short and simple — you'll create an account by setting up your email, then invite your partner to Honeydue. Honeydue allows you to see both your individual and shared finances in one place.

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The Best Personal Finance and Budgeting Apps for 2025 | PCMag

Need a replacement for Mint? Make sense of your budget, get a grasp on your household spending, or check your credit score with the best apps we've tested for managing your personal finances. PCMag has been covering apps for budgeting and managing personal finances for more than 15 years. If you commit to using a personal finance app, it can help you stay up to date with everything you need to know about your money, including how to get out of debt.We recommend three apps above all others: Simplifi if you want the best balance between features and ease of use, Quicken Classic if you want to manage your money in more detail, and YNAB if you've struggled with budgeting before. Read on for more about why these are the best personal finance apps, along with recommendations for other services that might work even better for you.Quicken Classic is desktop software with a companion app that shows you the financial information you need while away from your computer. The software earns its annual subscription fee by supporting every element of personal finance, including detailed account management, budgeting, bills, and investing.YNAB, which stands for You Need a Budget, is a unique personal finance app with a singular focus: to teach you smarter ways to spend your money so you can save more. It has a steep learning curve and requires regular attention, but the eventual reward is a flexible monthly spending plan that’s tailored to meet your goals.

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Best Budgeting Apps For December 2024 – Forbes Advisor Canada

Looking for the best budgeting apps? Doing more banking from your phone? Here are the three best budgeting apps to help you manage your personal finances. Connecting your bank accounts to your favorite budgeting app is the easiest way to do this, but you can also do it manually with a pen and paper or spreadsheet program. Next, separate your fixed expenses from your variable expenses. Fixed expenses are those that don’t change from month to month, such as housing, utilities, insurance, child care, and loan payments, including automobiles, student loans, or credit card payments.To determine how much you should spend on rent, use the 28/36 rule. This budgeting principle says that you should spend no more than 28% of your total pre-tax income on housing or 36% of your total income on debt in general—which can include housing and a car payment or student loans.PocketGuard: Best Budgeting App For Tracking Spending · For the purposes of this list, Forbes Advisor focused on apps that are available to Canadian consumers. The apps shown on this list offer a variety of useful features and tools that can meet varied personal finance and money management needs.YNAB, short for You Need A Budget, is an award-winning budgeting program that specializes in helping consumers to save money and get out of debt. YNAB prides itself not on looking into past financial insights, but rather on focusing on your present situation and future possibilities.

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Best Graduate School Loans of 2025: Reviews, Fees, & Comparisons

Discover the best graduate school loans available in 2025. Explore options, rates, and tips for financing your advanced degree. Earnest variable interest rate student loan origination loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada.Custom Choice also offers a 0.25% interest rate discount when you sign up for autopay. This reduction can help you save money by paying less in interest over time. ... SoFi® is a reputable online lender that offers graduate student loans with flexible terms. Graduate students can choose between five-, seven-, 10-, and 15-year term lengths, with four repayment options ranging from deferred to immediate. These options allow you to pay off your loan on a schedule that matches your financial situation and goals.Unlike many lenders, Citizens Bank offers graduate student loans to international students — as long as they have a creditworthy cosigner who's a U.S. citizen or permanent resident. · Interest rates from Citizens Bank are also competitive. Keep in mind that to qualify for the lowest rates, you or a cosigner must have good or excellent credit. ... A graduate school loan can help you meet your financial needs while you focus on furthering your education.Graduate students can apply for federal student loans (which are often the best option) and private student loans. Choosing the right loan can majorly impact your finances during and after your time as a student.

How to budget at university - Save the Student

Cut out non-essential purchases – Stop buying the everyday money-draining habits (we’re talking coffees, cigarettes, takeaways…) that eat into your finances. Get as much Student Finance support as possible – Make sure you’re getting all the Student Finance that you’re entitled to, ... Worried about getting through university on next to no income, or just keen to learn how to make your Student Loan stretch further? You're in the right place. Credit: Borysevych.com, studioworkstock – Shutterstock · 74% of students in our National Student Money Survey 2024 said they wished they'd had a better financial education before coming to uni. So if you don't have a clue how to budget, you're definitely not alone.Planning a budget at university is essential for students hoping to graduate without massive debt. Set up your student budget using our free spreadsheet.Find out more about creating a budget in this video: Here are a few practical savings steps to help you manage your money: Ask yourself if you want or need things – Spend your money on the stuff you need first, and save the ‘wants’ for special occasions. Cut out non-essential purchases – Stop buying the everyday money-draining habits (we’re talking coffees, cigarettes, takeaways…) that eat into your finances. Get as much Student Finance support as possible – Make sure you’re getting all the Student Finance that you’re entitled to, including any grants, bursaries or scholarships up for grabs.Wish you’d been taught how to budget in school? Here are the vital money lessons you might want to swot up on. Owen is the founder of Save the Student, the leading student money website he started in 2007. He's passionate about educating young people about personal finance and ways to make extra money. Owen has appeared on BBC News and writes for major publications including The Guardian, Entrepreneur and HuffPost.

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Budgeting | Federal Student Aid

Complete the Free Application for Federal Student Aid (FAFSA) form, apply for financial aid before the deadline, and renew your FAFSA form each school year.

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Average Student Loan Debt in 2025: Trends and Statistics

Discover the average student loan debt in 2025. Learn about trends, statistics, and how student debt impacts borrowers nationwide. Federal student loans for undergraduate students disbursed after July 1, 2024 and before July 1, 2025 carry a 6.53% interest rate, while graduate loans are higher at 8.08%. · Student loans have a disproportionate impact on Black borrowers and their families. According to 2022 data from the Survey of Consumer Finances (the most recent year for which data broken down by race is available), Black borrowers face significantly more student loan debt than white or Hispanic borrowers.To reduce your student loan debt, explore avenues like loan forgiveness programs, income-driven repayment plans, and refinancing options. What are the long-term effects of student loan debt? The long-term effects of student loan debt include delayed homeownership, reduced retirement savings, and potential impacts on mental health. ... Liz was a personal finance reporter at Insider.Before joining Insider, she wrote about financial and automotive topics as a freelancer for brands like LendingTree and Credit Karma. She earned her bachelor's degree in writing from The Savannah College of Art and Design. She lives and works in Cincinnati, Ohio. Find her on Twitter at @lizknueven. Read more Read less ... Ryan Wangman was a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans.Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate student loans to write unbiased product reviews.

Student budgeting tips - Calculate your budget

Get expensive software for free! ... Household income details needed! ... Find out how to budget and save money while studying, to help your student loan go further. It's easy to feel quite flush in the first couple of weeks of the semester once the student loan has landed, but it's worth thinking about ways to make your money last, because it certainly won't be around forever. Here MoneyHelper gives some top tips on how to save money, or avoid spending it: ... Budgeting can be key when it comes to keeping tabs on your money, so you know exactly what's coming in and going out.Making your money last across the year can be hard, especially with all the added costs like books and social groups. Learn here how to budget effectively with great advice from the Money Advice Service.Here, we list things to add up in your budget. Then you can see if you're on track or if you need to cut down on anything. ... Avoid cash machines that charge you. Some charge you for withdrawals, but there's probably a free one nearby you can use instead to save money. There may be burglaries in your area. There's often a risk of this in student areas, so it's best to get insurance – whether just for specific contents like your phone, for your whole room, or for outside your room as well.You can also get medical prescriptions for free. Prescriptions are free to all residents of Scotland, Northern Ireland and Wales, but in England everyone still has to pay. However, students aged 16-18 don't have to pay, and once you hit 19 you might be eligible to apply to the NHS Low Income Scheme.

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How to Create a College Student Budget | Discover Student Loans

Here’s our step-by-step guide and a monthly budget sheet to help you through the process: 1. Make a list of all of your expenses, including necessities like food, housing, tuition, and gas, as well as discretionary items like dinners out and entertainment. Divide the list into three categories, and put each one in order of importance: School expenses. This includes anything you’re responsible for that isn’t directly paid by your parents, financial aid, or student loans... Some of these are expected like plane tickets home for a holiday, and some are unexpected, but still important to budget for, like your computer breaking or car needing major repairs. 2. Then, make a list of your sources of income, their amounts after taxes have been taken out, and when in the month or year you can expect to get paid. You’ll also need to find out when funds from student loans and other financial aid will come in and how they’ll be disbursed.Budgeting in college doesn't have to be complicated. Learn how to create a college student budget that works for you with these tips from Discover Student Loans.If you realize that you don't have money for something you really want to do, look at your budget and figure out which items are holding you back. When you order your expenses by importance, you can quickly make the decision to cut the least important items from your spending, giving you the flexibility to pursue the things you want. ... Learn how to make the most of your summer after high school. Discover Student Loans outlines what to do the summer before college to set yourself up to succeed.Going to college comes with a lot of firsts. For many, it’s the first time living away from your parents, the first time having choices about what to study, and the first time managing your own finances. To help you stay on top of your money you’ll need a plan, also known as a budget.

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Student Budgeting And Money Management Tips | UCAS

Our guide on what to do if your student loan isn’t enough has some suggestions. Our regional finance guides can give a rough idea of what your key income and outgoings might look like:. ... As you gradually narrow down your UCAS choices, and learn how much you’ll need to live on, you can update your budget to reflect this. At the same time, you’ll get a clearer idea of your income (once you receive your student finance confirmation, applied for ... Our guide on what to do if your student loan isn’t enough has some suggestions. Our regional finance guides can give a rough idea of what your key income and outgoings might look like:. ... As you gradually narrow down your UCAS choices, and learn how much you’ll need to live on, you can update your budget to reflect this. At the same time, you’ll get a clearer idea of your income (once you receive your student finance confirmation, applied for extra funding, saved up money from part-time/summer jobs etc).Track your spending: Almost nine in ten students said they used their bank’s mobile app to manage their finances, while nearly a fifth used an online only bank app to do the same (UCAS ‘Freshers Experience 2019’ Survey – January 2020). Set up alerts for weekly balance updates, every time you use your card, or when your balance falls below a certain amount. This way, you can see exactly where your money is going, and if you’re on track until your next student loan or payday. If you’re not, you can amend your budget.Check out our full guides to the cost of university and what to do if your student finance isn’t enough. Advertisement. Why the ads? Advertisement. Why the ads? ... Find out how to budget and save money while studying, to help your student loan go further. ... As long as it doesn’t take up too much study time, finding a part-time job is a great way to gain more money, less debt, and new skills for your CV.They can give you trusted, confidential advice around hardship funds, emergency loans, and extra funding, as well as advise you on other financial matters, such as scams. They can also put you in touch with other appropriate individuals or departments, including legal, wellbeing and jobs services, should you need them. Whatever your situation, they’ve probably come across it before, having dealt with so many students in the past. So don’t be afraid to reach out. Need help budgeting?

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How to Budget as a College Student - Buy Side from WSJ

In other words, you need to write ... contribute to your overall budget. Student loans and grants are two of the most common income sources for first-time undergraduate students. Nearly 90% of full-time students relied on some kind of financial aid between 2020 and 2021 according ... In other words, you need to write out potential sources of income and determine how much cash each source will contribute to your overall budget. Student loans and grants are two of the most common income sources for first-time undergraduate students. Nearly 90% of full-time students relied on some kind of financial aid between 2020 and 2021 according to the National Center for Education Statistics.Follow these 4 steps for how to budget and save money as a college student, including budgeting tips for low income students and how to manage your finances.Learning good habits now—and avoiding unnecessary debt—will pay dividends when you graduate.Learning to budget as a college student can help manage financial stress now and help you avoid problems when you are older, such as graduating with unmanageable credit card debt. By creating good financial habits, you’ll benefit for years to come.

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Best Budgeting Apps to Master Your 2025 Budget - CNET Money - CNET

Take the headache out of money management with these top budgeting apps. Take the headache out of money management with these top budgeting apps. ... Liliana Hall is a writer for CNET Money covering banking, credit cards and mortgages. Previously, she wrote about personal credit for Bankrate and CreditCards.com. She is passionate about providing accessible content to enhance financial literacy.Kelly is an editor for CNET Money focusing on banking. She has over 10 years of experience in personal finance and previously wrote for CBS MoneyWatch covering banking, investing, insurance and home equity products. She is passionate about arming consumers with the tools they need to take control of their financial lives.In her free time, she enjoys binging podcasts, scouring thrift stores for unique home décor and spoiling the heck out of her dogs. See full bio ... Courtney Johnston is a senior editor leading the CNET Money team. Passionate about financial literacy and inclusion, she has a decade of experience as a freelance journalist covering policy, financial news, real estate and investing.Liliana Hall is a writer for CNET Money covering banking, credit cards and mortgages. Previously, she wrote about personal credit for Bankrate and CreditCards.com. She is passionate about providing accessible content to enhance financial literacy. She graduated from the University of Texas at Austin with a bachelor's degree in journalism, and has worked in the newsrooms of KUT and the Austin Chronicle.

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How to Budget: Tips, Tools, and Techniques

That means you use all your income ... and financial goals. Under this strategy, if you were to find yourself with an unspent $300 at the end of the month, you'd put that money in savings, make an extra loan payment, or make some other use of it. The advantage of a zero-based budget is that it accounts for every dollar, ... That means you use all your income each month — first, toward your essentials, and then, toward your wants and financial goals. Under this strategy, if you were to find yourself with an unspent $300 at the end of the month, you'd put that money in savings, make an extra loan payment, or make some other use of it. The advantage of a zero-based budget is that it accounts for every dollar, ensuring you make the absolute most of your earnings.Refinance any loans to get lower rates: You'll be surprised how much interest adds up on any loans you have. Refinancing your mortgage, car loan, and sometimes even your student loans could reduce your interest rate, monthly payment, or both, freeing up cash flow that you can put toward your budget for other, more important, expenses.Learn how to budget effectively with expert tips and strategies. Take control of your finances and achieve your financial goals with our comprehensive budgeting guide.Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews. A budget can help you stay on top of expenses, pay off debts, and achieve your financial goals.

Eight Tips For Budgeting While Struggling With Student Loan Payments

Student loans are a common hindrance on smart budgeting, but these eight members of Forbes Finance Council are sharing their top tips for making it work. Better than a budget, the 20-30-50 plan is a fun and flexible way to account for your spending. First, devote 20% of your take-home pay towards financial betterment. In this case, you could direct it toward paying off your student loans every month. Then, allot 30% toward fun/wants, such as nights out with your friends.Forbes Finance Council members discuss how to handle budgeting and saving with heavy student loan...Unsurprisingly, a significant number of borrowers have a hard time repaying their loans, with 11% of debt being more than 90 days in default or delinquency. The only way to reverse this worrying trend is to enforce a clear and strict financial strategy that will allow college graduates to get out of debt sooner rather than later. Here are eight efficient budgeting tips to from Forbes Finance Council experts that can help you make your payments without giving up a fairly comfortable lifestyle.It’s easy to spend money when you aren’t tracking your finances closely. Track every expense, even those paid in cash. There are now many banking and online auto save features that make it easier to have money deducted monthly to help you save. Try to pay off your student loans, but also try and save monthly towards a future goal, such as a down payment on a home, retirement and a rainy day fund.

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Navigating Student Loan Repayment: Smart Budgeting Strategies as Payments Resume

Just note that, once your student ... for loan forgiveness. While the SAVE plan is being debated in the courts, it's a good idea to consider what your next steps might be. If SAVE is ultimately struck down, you'll need to figure out another way to repay your student debt. This would likely involve choosing another repayment plan and potentially refinancing or consolidating your debts. By comparing options now and taking stock of where you're at financially, you'll be ... Just note that, once your student loans are refinanced with a private company, they will no longer be eligible for loan forgiveness. While the SAVE plan is being debated in the courts, it's a good idea to consider what your next steps might be. If SAVE is ultimately struck down, you'll need to figure out another way to repay your student debt. This would likely involve choosing another repayment plan and potentially refinancing or consolidating your debts. By comparing options now and taking stock of where you're at financially, you'll be in a better position to handle student loan payments when they resume in the future.The White House. "Fact Sheet: The Biden-⁠Harris Administration Launches the SAVE Plan, the Most Affordable Student Loan Repayment Plan Ever to Lower Monthly Payments for Millions of Borrowers." National Association of Student Financial Aid Administrators.The Federal Direct Loan Program is a government-backed program that provides low-interest loans with fixed interest rates to students and their parents. more · The Higher Education Act of 1965 (HEA): Definition and Provisions · The Higher Education Act of 1965 is a federal law that created financial assistance programs for post-secondary school students and strengthened educational resources.With the Education Department's fate uncertain, now's the time to cut expenses and explore other options to make your future student loan payments more affordable.