因为要写一篇论文关于美国教育与其他国家的不同点,要列出不同点,最好超过4点和用英文写.因为是英文论文来的,呵呵.

What is a federal student loan?A federal student loan allows students and their parents to borrow money to help pay for college through loan programs supported by the federal government。They usually have low interest rates and offer attractive repayment terms,benefits and options。Generally,repayment of a federal loan does not begin until after the student leaves school。Federal student loans can be used to pay school expenses such as tuition and fees,room and board,books,supplies and transportation。Federal student loans are delivered to students through two programs:the Direct Loan Program and the Federal Family Education Loan Program。Both programs offer essentially the same type of loans with similar loan terms and borrower benefits。Your school chooses the loan program in which it will participate。In both programs,loan funds are provided to you through your school。What is a private student loan?A private student loan is a nonfederal loan issued by a lender such as a bank or credit union。Private student loans often have variable interest rates,require a credit check and do not provide the benefits of federal student loans。Why are federal student loans a better option for paying for college?Federal student loans offer borrowers many benefits not typically found in private loans。These include low fixed interest rates,income-based repayment plans,loan forgiveness and deferment options,including deferment of loan payments when a student returns to school。For these reasons,students and parents should always exhaust federal student loan options before considering a private loan。How do I get a federal student loan?To get a federal student loan,you must complete the Free Application for Federal Student Aid (FAFSA)。The easiest way to complete the FAFSA is online at www。fafsa。ed。gov。Here,you identify schools that you are interested in attending。When your FAFSA is processed,the schools you have identified will receive your information。The school will then tell you how much financial aid is available,including grants,scholarships,work opportunities and federal student loans。Should you choose a federal student loan,your school will provide you with instructions on next steps,including how to select a lender。How much money can I borrow in federal student loans?Undergraduate student loan limits range from $3,500 to $10,500 per year depending on certain factors,including the student's year in college。Graduate students can borrow up to $20,500 each year。Parents can also get federal student loans to help pay the remainder of college costs that are not covered by their children's other financial aid。These are called PLUS loans。In addition,graduate students may obtain PLUS loans to help pay for their own education。Why should I complete a FAFSA when the private loan applicatio