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Education loans come in three major categories: student loans
and private student loans . A fourth type of education loan, the
consolidation loan,
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Few students can afford to pay for college without some form of
education financing. Two-thirds of undergraduate students
graduate with some debt, and the average federal student loan
debt among graduating seniors is $19,202 ,according to the
2003-2004 National Postsecondary Student Aid Study .
These
figures increase by about 3% or approximately $550 a year. When
one includes PLUS loans in the total, the average cumulative
debt incurred is $21,814.
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Graduate and professional students borrow even more, with the
additional debt for a graduate degree ranging from $27,000 to
$114,000. The following table shows the percentage borrowing and
average amount of cumulative debt among graduating students
according to degree program.
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