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Federal Government: Programs
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Federal Stafford loans are low-cost unsecured student loans insured by the Federal government and are the key building blocks for most financial aid packages. Depending on the student's financial need, the interest on the loan may be paid by the Federal government during the in-school period. This makes the loan extremely popular with students. Parents and students can obtain information about Bank of America student loan programs by visiting http://www.bankofamerica.com/studentloans.
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The GradPLUS loan program was introduced by the Federal government in response to calls from graduate and professional school students for increased loan limits to pay for their education. Eligibility for GradPLUS loans is determined by a simple credit check. There is no specified dollar limit to GradPLUS loans -- students may borrow up to the full cost of education less any financial aid received, including Stafford loans.
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The federal government generally awards financial aid grants to students from low- and moderate-income families. The largest federal grant program is the Federal Pell Grant Program. This program provided $179 million to 81,800 undergraduates attending Minnesota schools of higher education in Fiscal Year 2005.
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"The federal government is doing things the right way, and that is why smart card programs are succeeding," said the Alliance's Vanderhoof. "They did not just throw smart card technology out there and expect it to fly. The real focus is right where it should be -- a balance of policy, business rules and technology standards."
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The federal government makes direct loans to and guarantees loans for inadequately served areas of the population to promote the nation's general welfare. The Borrowings Program represents Treasury's role in the federal loan program.
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Computer specialists—primarily computer software engineers, computer systems analysts, and network and computer systems administrators—are employed throughout the Federal Government. They write computer programs, analyze problems related to data processing, and keep computer systems running smoothly.
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