What is the difference between a Perkins and a Stafford loan?

Stafford Loans are Title IV Federal debt. They are the most common student financial aid loans-they are GSL's (Guaranteed Student Loans) that are backed up by a federal guarantor. Default will lead to severe penalties and you are subject to Administrative Wage withholding (no judgment needed) and having state & Federal tax interception- SSI & SSID are subject to garnishments as well.

They are non dischargeable through bankruptcy. There are many government programs to assist if default occurs Perkins loans are Federal but are actually backed up by the University. They are granted when additional financial Aid is needed and they are low interest compared to Stafford.

There are similar default penalties however they will not garnish paychecks or take Federal taxes.

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