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Reply to "Anyone else preparing to take our parent loans for 2023-2024? If so, how much"
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[quote=Anonymous] Here is the application for Sallie Mae private undergrad student loans. If you are going to do this, choose fixed interest rate instead of variable. It says that their most creditworthy borrowers can get a 4.50% interest rate. That is lower than the interest rate for Parent Plus Loans. However, private loans do not let you have income based repayment, PSLF, income driven repayment, teacher loan forgiveness etc. In extreme, rare circumstances it is easier to get private loans discharged in bankruptcy than it is with federal loans. There is no chance Sallie Mae loans will ever be forgiven. Make of those that you will. https://www.salliemae.com/student-loans/smart-option-student-loan/?lnkid=SM-PSL-body-loanoptions-undergrad[/quote]
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