KeystoneBEST

KeystoneBEST is a low-cost Stafford loan for Pennsylvania students.

Eligibility

Special KeystoneBEST Stafford loan requirements:

Be a Pennsylvania resident attending any accredited school (regardless of location) or
Be an out-of-state resident attending an accredited school in Pennsylvania

Who Pays	The student repays the loan. No payments are required while you attend school at least half-time.
Interest Rates	All federal Stafford loans disbursed on/after July 1, 2008, and before July 1, 2009, will be fixed at 6.8% with the exception of the undergraduate subsidized Stafford which will be fixed at 6%.
Interest Payments	Subsidized loans - the federal government pays the interest while you are in school, during your grace period or during any deferment period. Unsubsidized loans - you are responsible for interest payments and can choose to pay them while in school or have them added to the principal balance.
Fees	Origination fees will not exceed 1%. AES will pay the 1% federal default fee on behalf of lenders who participate in the KeystoneBEST loan program.
Grace Period	A 6-month grace period begins when you leave school, graduate or drop below half-time enrollment.
Repayment	Take 10 years to pay - longer with flexible repayment options. No penalties for paying your loan off early.
Loan Management	Stafford loans in repayment or in a grace period are eligible for loan consolidation. Manage your loans online any time. Get single-point servicing for the life of the loan with AES. We are with you every step of the way. Contact us.

Annual Loan Limits	Subsidized and/or Unsubsidized Loan	Additional Unsubsidized Eligibility For Independent Students*
1st Year Undergraduate	$3,500	$4,000
2nd Year Undergraduate	$4,500	$4,000
3rd, 4th or 5th Year Undergraduate	$5,500	$5,000
Graduate or Professional Student	$8,500	$12,000

*Or dependent students whose parents are denied a federal Parent PLUS Loan.

These annual loan limits apply to loans disbursed on/after July 1, 2007.

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