Answers:
The best loans available are through the federal government. If you haven't applied for the Free Application for Federal Student Aid (FAFSA), that should be your next step. The FAFSA will determine will give you and your family the ability to qualify for federal student loans. The best loans are usually the federally subsidized stafford loans that carry a fixed interest rate and do not accrue interest during your time in college.
First step - go to www.fafsa.ed.gov, complete the FAFSA online. Step two, call your college or university's financial aid office. They will be happy to help, and will guide you in the right direction.
The federal subsidized loans are the only really low interest ones. Typically alternate loans begin at over 8%, which is not what I would call "low".
The best types of loans to get that will last for all 4 years of college are federal government loans.
Here are the steps you need to take to get them:
1) Fill out the FAFSA. This will determine if you are eligible for financial aid. Go here:
http://www.fafsa.ed.gov/
2) Once you are eligible for aid, choose a government-based student loan. The best loan to get is a Federal Perkins Loan. These have low interest rates and the government will help you pay it back as long as you stay enrolled in school. You also don't need a cosigner or good credit for it. For more info go here:
http://www.studentfinancedomain.com/stud...
3) The next best loan to get is a Subsidized Stafford Loan. This has many of the same benefits as a Perkins Loan. Learn more here:
http://www.studentfinancedomain.com/stud...
4) You can also try to get a grant or scholarship, which is free money that you won't have to pay back. Look here:
http://www.fedmoney.org/
http://apps.collegeboard.com/cbsearch_ss...
http://www.freegovmoney.net/
http://www.educationplanner.com/educatio...
http://www.studentawards.com/
http://www.college-scholarships.com/...
Good luck!
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