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Student Loan Programs


Sending a child to college is very expensive these days. More and more families are struggling to plan and save to help pay for their college educations. Debt Free Like Me will help you find out more about what you can do to prepare financially and how to help your college hopefuls get important financial assistance in the form of loans and scholarships. The Student Loan Programs provide parents, college students, and college graduates with the best funding options available for Federal and Private education loans.


Stafford Loans are the most affordable way to pay for school and are lower than other forms of private consumer financing.

  • No collateral / No credit check
  • No payments while in school
  • 2.00% off after 48 on-time payments
  • 25% off for auto pay
  • Eligible for federal consolidation
  • No guarantee fees*
  • No cosigners
  • Tax deductible

*1% guarantee fee may be waived by guarantor

Stafford Loans are the most affordable way to pay for school and are lower than other forms of private consumer financing.


The Federal Parent Loan for Undergraduate Students (PLUS) is a low-interest rate solution for financing your child's education. Many parents choose PLUS Loans because they offer many advantages over home equity loans, credit cards and other types of private loans.

Supplements Student's Financial Aid

  • 2.00% off after 48 on-time payments
  • .25% off for auto debit payment
  • Eligible for federal consolidation
  • May be tax deductible
  • Easy credit requirements
  • Loan forgiveness in the event of death/disability
  • Forbearance/Deferment Available
  • Can be used retroactively
  • Already paid? - Apply for reimbursement
  • No collateral

A Plus loan fill the gap when it comes to tuition cost. Allowing you to borrow up to the full amount of your child's cost of attendance. (Less other student financial aid and scholarships.)

Federal Plus loans have a 3.00% government origination fee and a 1.00% guarantee fee (which may be waived by guarantor). Fees from proceeds of loan, so no out of pocket cost to obtain loan.


When Scholarships and Federal Loans are not enough, the P.E.I.R. PRIVATE LOANS student loan is here to bridge the gap of the cost of your education.

This is what sets the P.E.I.R. PRIVATE LOANS loan apart from the rest of the pack:

  • Fast online approvals
  • Low interest rates and fees
  • High approval rating
  • High annual maximums
  • A variety of repayment options; immediate, interest only or wait until you leave college
  • No application fee or out of pocket expenses

The loan can be used to cover any education related expense including:

  • Transportation
  • Computers
  • Books
  • Room and Board

Specific loans for specific needs:

  • Undergraduate
  • Graduate
  • MBA
  • Engineering
  • Law
  • Law Bar Exam
  • Medical school, including Dental, Chiropractic, Veterinarian, etc. Internship and Board Exam loans

24/7 access to check your loan status online


Federal student loan consolidation is a loan you can borrow to combine your existing eligible federal student loans into a single loan. When you apply for a Federal Consolidation Loan, you are taking out a new loan to pay off all or a portion of your original eligible federal student loans. The Federal Consolidation Loan has a fixed interest rate and a repayment term of up to 30 years - depending on the total amount of your student loan debt.

Fixed Rates

  • Reduce monthly payment by as much as 58%
  • 1.00% off after only 24 on-time payments
  • .50% off for auto-pay
  • No credit checks
  • No fees
  • No prepayment penalties
  • Tax deductible for many borrowers
  • Spousal consolidation available
  • Deferment/forbearance benefits apply

Already consolidated? You may still qualify for discounts!

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