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Stafford Student Loans

A Stafford Federal Student Loan is one of the most affordable financial aid tools available to students, with interest rates lower than most other forms of financing and deferred payments until after you graduate.

Effective date for the following benefits: Loans with a first disbursement on or after July 1, 2008 through the end of Academic Year 2009.

  • Fixed interest rates as low as 5.75%* if the following benefit is earned:
    • .25% interest rate reduction for direct payment (ACH).
  • Plus immediate eligibility for Incentive Rewards.

Choose a Montana’s Choice Stafford loan from one of our lender partners.

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*Based on 6% fixed interest rate. For more information, see our Terms and Conditions.

New loan programs listed above are subject to change without notice, based on regulatory changes to the Federal Higher Education Act and/or upon financial market volatility impacting the earnings of lenders in the Montana's Choice program.

Benefits granted on loans already disbursed are paid out of excess funds from financed bonds and are subject to change or elimination at any time based upon the availability of such funds. Benefits are payable as long as the loans are owned by MHESAC or a participating Montana's Choice lender.