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KeystoneBESTSM Stafford Loans

FMFCU offers both subsidized and unsubsidized Stafford loans. Both loans are available to graduate and undergraduate students and are government guaranteed. The difference between these loans is how the interest is paid. "Subsidized" loans are loans where the federal government pays the interest while you are in school, during your grace period or during any deferment period.

Both are great ways to help pay for a college education! FMFCU offers members KeystoneBEST Stafford Loans for extra savings opportunities!

Who Pays:

  • The student repays the loan.
  • No payments are required while you attend school at least half-time.

Interest Rates:

  • The KeystoneBEST rate is the current Stafford loan rate minus all AES benefits.
  • Your rate* could be:
    • Current Stafford Loan (fixed): 6.8%
    • Automatic direct debit payments: -0.25%
    • KeystoneBEST Interest Rate (fixed): 6.55%

*Subject to change at any time.

 

Dependent Undergraduates
(Exclusive of students whose parents are unable to borrow under the PLUS program)
Subsidized
Total (Subsidized and Unsubsidized)
First Year
$3,500
$5,500
Second Year
$4,500
$6,500
Third year and beyond
$5,500
$7,500
Aggregate Limits
$23,000
$31,000


Independent* Undergraduates
(And dependent students whose parents are unable to borrow under the PLUS program)
Subsidized
Total (Subsidized and Unsubsidized)
First Year
$3,500
$9,500
Second Year
$4,500
$10,500
Third year and beyond
$5,500
$12,500
Aggregate Limits
$23,000
$57,000


Independent* Graduate and Professional Students
Subsidized
Total (Subsidized and Unsubsidized)
Graduate and professional students
$8,500
$20,500
Aggregate Limits
$65,500
$138,500

*Find out if you are an independent student.

How to Apply

Apply Now: www.aessuccess.org

Call: 1-800-692-7392

Use our Lender Code: 834156

AES

American Education Services is a division of PHEAA, which has grown from a small student loan guarantor with a volume of only 4,600 student loans in 1964, to one of the largest, full-service financial aid organizations in the nation.

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