XPost: soc.college.financial-aid   
   From: ms2931@hotmail.com   
      
   Hi, I am over 25 but don't have major permanent income. I am enrolling   
   fulltime this year. My college annual bill is expected to be around $15,000   
   including books and fees. My EFC from FAFSA is around $1000.   
      
   What federal grants and programs I qualify for this coming year, and am   
   likely to receive that I *dont* hav to pay back?   
      
   What federal loans I could receive that I *would* have to pay back? At what   
   interest rates, under what terms?   
      
   What private loan options I have if I don't have a cosigner? What interest   
   rates and deferrment options they offer?   
      
   Should I wait to see what my government financial aid is? Or should I go   
   ahead an try to secure a loan from a private educational loan anyway? Can I   
   return the private loan without incurring interest if my government free aid   
   covers the bill?   
      
   Thanks for your advice!   
      
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