The federal government really does provide low-interest student loans for qualified students. The information you provide on your financial aid application is used to determine how much financial need you have. In addition, to qualify for a Perkins Loan you must be a high school graduate or GED recipient; be already enrolled or accepted into a degree or certificate program at an accredited institution; maintain status as a U.S. citizen or eligible non-citizen with a social security number; use the loan funds to pay educational expenses only; and, verify that you are not currently in default on any other federal loan.

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