Direct Loan Signature Forms: Fill & Download for Free

My philosophy is that, for an bachelors degree, in the USA, one should Only plan (prior to starting college) to borrow $27,000 maximum over the four year period.That is obtained at ($5,500, $6,500, and $7,500 for the last two years) from the Federal Direct Loan program. All you have to do, is for you and All of your parents to fill out the FAFSA forms: FAFSA - Free Application for Federal Student AidIndeed, there are no co-signers for a Federal Direct Loan, only your signature.Follow the guidance at the FAFSA site.If you are an international student (non-US), then sorry, I have no idea how to apply for a student loan in your country.NOTE: later, as a junior or senior, if you need some more money than the $27,000 through the federal direct loan program, then you can borrow a small amount of money from a bank. You may need a co-signer for that. However, your college’s financial aid office can provide guidance.If you follow that philosophy, above, and only attend colleges that align with that philosophy, you will do fine.Plan on no more than $27,000 over four years, or find another college.

It's common with all the private banks and insurance companies these days to scam their customers for profit.I had a harrowing experience with XXxx bank foreclosing a personal loan. As per the terms and conditions, I couldn't process the foreclosure before the end of 1st year. After the 1st year, I decided to foreclose the loan. I went to the home branch of XXxx and from there they directed me to their head office. After visiting the head office, people there did not cooperate. The person who attended me started blabbering all sorts problems with my loan. Dictated various documents and procedures needed to foreclose. I was patient and submitted all of them since I had everything with me. Now after seeing me complete with all the documents, he started citing date issues for foreclose. You can only foreclose on the 7th day of the month (it was 9th that day). I decided to wait up for another month and another month meant paying up another EMI.Next month, I went on 6th instead of 7th to foreclose my loan. This time another lady attended me. She told I have to send an email with a notification that I am going to foreclose before proceeding. I did that promptly right there in front of her. She asked me to come again the next day with all the documents since 7th was the closing date.I went and they made me fill up all forms here and there. Signs here and there. Issued a cheque on the balance amount. Got a notification via email that my foreclosure is under process.Next month, on 6th I get the same EMI debit message on my number. This meant that the loan was not closed.I immediately sent an email. They replied that my loan foreclosure could not be processed due to technical error, asked me to visit their head office branch. I went again to their head office. This time, another guy attended me. He looked into my case and told that your signature on the foreclosure form and what they have on record does not tally. So it was rejected. I asked him to show me what they have on their records but he denies showing it due to security reasons. I have only one signature and it's on everything right from my 10th admit card to all documents. Under no circumstances it will be different.He asks me to again send another email with the notification and come next month.Next month, again another debit message for EMI. This time I was very furious. Same repeat situation like the last month. I send them an email and I visit the head office. This time another lady attended me. She told technical reasons my foreclosure could not be processed. This time, it wasn't signature. It was my address. They could not find and verify my address! How on Earth they gave me the loan in the first place! I threatened that lady that my next visit will be with a lawyer with a case filed against them. I told them that all these goof up with all the mumbo and jumbo will be now decided in a court if my loan is not closed. She asks me to again fill some stupid form. I shouted and told her that the only document which I will fill now is filing a case.Fortunately the threat worked and the loan got closed immediately.They are trained to try every trick to deter and discourage you from closing any loan so that they may benefit from it.EDIT 1. Due to security reasons, had to censor the name of the bank. This particular bank is still my banker.:p

Yes and No. Yes, the school will take the FAFSA and use it to determine what aid package will be offered to the student and communicate that package to the student prior to the May 1st decision day. The sooner the better, generally on a first come -first serve basis by acceptance date. If the FAFSA was selected for verification, the school is responsible for collecting the supporting documents to complete the verification. After the verification is complete the school offer of aid has to be accepted by the student. Any part or all of the aid may be accepted or rejected. The aid amount is for the academic year and distributed over two semesters or per academic term. The federal loans have an entrance exam and master promissory note that must be completed online, as well as some electronic signature forms to permit the school to apply the aid against your student account and to refund to you electronically any remaining balance. The entrance exam also covers the terms in which one needs to meet to be eligible for aid and repayment information.The aid is used against all charges on the student account and the school sets the format and refund policy. This is why it is important to understand how much aid is available and what charges are on your account. The Cost of Attendance is the maximum amount of aid that an be posted to one's account, but all charges th thet constitute the Cost of Attendance are directly charged by the school. Generally, only tuition and fees; residence hall of applicable and meal plan if applicable are the only direct expenses. Books, travel, miscellaneous expenses are real, but are not mandated to be collected by the school. I hope this helps.Good luck!