Congress made major changes to the interest rates on the federal loan programs in July 2013. Various other changes to the terms of some loans during the grace period and the total period of time for which loans can have subsidized interest have also been made recently. Student and parent borrowers may have loans with different terms. For a detailed explanation of the terms of your loans, you must contact your loan servicer. Your loan will be assigned to a servicer after your first disbursement is made. Your servicer’s contact information will always be available to you through the National Student Loan Data System website, NSLDS – Student Access.
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