Stafford Loans

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Stafford Loans are Federal Loans for Undergraduate and Graduate students who are enrolled at least half-time.

There are two types of Stafford Loans, which you may be eligible to combine:

Subsidized	Granted on the basis of financial need. The government pays the interest on the loan while you’re in school and during your 6 month grace period as long as you remain in school at least half-time.
Unsubsidized	Available regardless of financial need. Interest accrues while you're in school that you must repay later.

Subsidized Stafford Loans for undergraduate students will be at a fixed interest rate of 5.6%*.
Subsidized Stafford Loans for graduate students and all Unsubsidized Stafford Loans will be at a fixed interest rate of 6.8%*

Interest rates are effective 7/1/09. The rates and other information set forth above have been obtained from sources deemed reliable, but do not constitute representations of Commerce Bank, nor shall this be considered an offer by Commerce Bank to fund any loan at rates other than those established by the United States Department of Education.
Consult a tax advisor for details. IRS Publication 970, Tax Benefits for Higher Education, explains these credits and other tax benefits.
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