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CitiAssist Loans - Understanding Citibank Student Loans
from:Most of the larger banks and some of the smaller private lending
institutions offer various forms and options of both federal and
private student loans. Citibank student loans are available
under the CitiAssist Loan program, which provides a wide range
of student loans for undergraduate, graduate, law and health
professions and residency loans. Each of these Citibank student
loans is designed to provide funding to students in different
types of academic settings with qualifying requirements and
either a co-signer or a good, solid credit score.
Understanding the different options with Citibank student loans
requires both a good understanding of your future academic and
career goals as well as a knowledge of you projected current and
future income for setting realistic repayment options and
deferment dates for the loan. The different Citibank student
loans include:
1. Undergraduate loans to qualify for an
undergraduate loan the student must be eligible for enrollment
at least part-time at a fully accredited college or university
as well as be at least 18 years of age and have a United States
citizen as a co-signer if necessary. The co-signer as well as
the student must have a valid US social security number. There
are no minimum loan amounts and no maximum loan amounts,
although the school will provide the cost of tuition, then any
other financial aid already granted will be subtracted, leaving
the total maximum amount of the loan.
2. Graduate Loans graduate Citibank student loans have the
same requirements as the undergraduate loans as well as the same
freedom of minimum and maximum amounts to borrow. Since many
graduate students will already have established a credit rating
and score a co-signer is less common on a graduate loan. The
loan payments do not start until 6 months from graduation
provided you are still enrolled as at least a part-time student.
3. Law and Bar Study Loans these loans are designed
specifically for law students that are attending a fully
accredited law school in the United States. There are some
limits on these loans such as a lifetime $15,000 limit on the
bar study loan option. In addition the grace period before the
loan repayment starts is extended to 9 months.
4. Health Professions and Residency these loans are designed
for students that are enrolled or are planning to enroll in any
of the following courses of study: allopathic, dentistry,
optometry, osteopathic, pharmacy, podiatry or veterinary.
Residency students will need to be in at least their second
year. There is also a nine month grace period for this loan
option.
Choosing Citibank student loans offers flexibility and options
that other lenders may not provide. Talking to a Citibank
financial advisor can help in deciding which one of the loans
most closely meets your educational finance needs.
More useful informations about loans visit http://Loans-Online-Guides.info/blog
About the author: Thomas Iturriaga
Are you interested in being prepared before meeting with your bank manager or loan officer? Your best bet is to read 'The World of Loans Explained' and go in there prepared to: get approved and get a great interest rate! Get more information regarding loans - http://Loans-Online-Guides.info
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