in Delaware, where a number of student loans can be obtained in order to fund your college education above and beyond any federal aid you've received.

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Because almost every individual aspiring to attend college and reach their educational potential will need assistance to pay for such an achievement, and there are by no means enough scholarships and grants to pay for everyone's college education, many federal and state loans are available to help fund the cause. There is no exception in Delaware, where a number of student loans can be obtained in order to fund your college education above and beyond any federal aid you've received.

As the managing and regulating agency for student aid in Delaware, the Higher Education Commission provides resources that explain the aid available, including state funded grants and loans and career-specific loan forgiveness programs for jobs that are critically in need within the state.

Because states can use bonds that are tax-exempt to fund student loans, obtaining your Stafford or PLUS loans through Delaware student loans can pass on a lot of savings to your pocketbook with lower interest rates and incentives for on-time payments (such as further cuts to interest rates). AES (American Education Services) offers cost-cutting FFELP loans, as well as an alternative loan program, known as aesBest. These are some of the lowest cost loans in the country and especially in Delaware, offering reductions on interest rates for on-time payment or direct withdrawal payments. The program offers even further cuts as an incentive to finish a degree program.

Access Group is a not-for-profit agency providing student loans for Delaware students and specializes in low-cost alternative loan opportunities for graduate, law, and medical students, though some funding is also available for undergrads. Federal loans provided through this group to Delaware students will most likely be at a reduced interest rate compared to funds received directly from a federal government-lending agent. Academic Management Services, a subsidiary of Sallie Mae, partners with Delaware State University to provide easy alternative and federal student loans, such as the private Signature Student Loan, which waives interest payments until after graduation, cuts associated lending fees, and doesn't require students or borrowers to be employed to obtain funding. Many of these loans are provided through private sources, including commercial banks, and are directly related to chosen fields of study that require long term enrollment in college programs.