How does the perkins loan differ from the stafford loan?
I qualified for like a $ 500 perkins loan as well as some stafford loans, and I spent all my financial aid researching time looking at stafford loans, so I don't know much about the perkins loan. I looked it up and read that the two are similar, but how are they different?
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Answer by Ang
The major difference between the Perkins loan and the Stafford loan is who makes the decision on who qualifies for the loan.
With the Stafford loan, anyone who qualifies based on regulations set by the U.S. Department of Education (ED), gets the loan. Lenders and schools may not create any additional criteria beyond what ED has set. The rules are exactly the same, no matter what school you attend, and what lender you borrow from.
With the Perkins loan, the federal government (ED) has given the individual schools a set amount of money, and some basic guidelines. In addition to that, regulations state that schools also have the authority to determine who qualifies for a Perkins at their school, and for how much.
As long as the school doesn't violate any of the federal regulations, they have more autonomy on determining who gets a Perkins loan. Because of this autonomy, you could qualify for a Perkins loan at School A, but not necessarily at School B.
Another difference is that with Perkins, the school is the lender, so the school also does the collecting on the loans. This is different from Stafford. With Stafford loans, the bank/guarantor/ED is the lender and does the collecting on the loan.
Yet another difference, there are cancellation options for Perkins that do not apply to Stafford loans. These cancellation options are tied to the specific type of work you do once you leave school.
A bit more information on the Perkins loan can be found here: http://studentaid.ed.gov/PORTALSWebApp/students/english/campusaid.jsp#03
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Taiwanese photinia, Photinia serratifolia ....Sến Mộc Đài Loan....#13
Image by Vietnam Plants & The USA. plants
Taken in Waco city, Texas state, southern of The United States of America.
Vietnamese Named : Sến Mộc Đài Loan
Common names : Taiwanese Photina, 石楠 shi nan, Chinese Hawthorn.
Scientist name : Photinia serratifolia ( Desf.)Kalkm.
Synonyms : Photinia serrulata Lindl.
Family : Rosaceae – Rose family
Group : Dicot
Duration : Perennial
Growth Habit : Tree
Kingdom : Plantae – Plants
Subkingdom : Tracheobionta – Vascular plants
Superdivision : Spermatophyta – Seed plants
Division : Magnoliophyta – Flowering plants
Class : Magnoliopsida – Dicotyledons
Subclass : Rosidae
Order : Rosales
Genus : Photinia Lindl. – chokeberry
Species : Photinia serratifolia (Desf.) Kalkm. – Taiwanese photinia
**** plants.usda.gov/java/profile?symbol=Phse17
**** en.wikipedia.org/wiki/Photinia_serratifolia
**** www.alabamaplants.com/Whitealt/Photinia_serratifolia_page...
**** www.texasinvasives.org/resources/publications/Photinia_Ph...
**** www.pfaf.org/user/Plant.aspx?LatinName=Photinia+serratifolia
Physical Characteristics
Photinia serratifolia is an evergreen Shrub growing to 8 m (26ft 3in).
It is hardy to zone 7. It is in leaf 12-Jan It is in flower in April, and the seeds ripen from Sep to October. The flowers are hermaphrodite (have both male and female organs) and are pollinated by Insects.
Suitable for: light (sandy), medium (loamy) and heavy (clay) soils and prefers well-drained soil. Suitable pH: acid, neutral and basic (alkaline) soils and can grow in very alkaline soils.
It can grow in semi-shade (light woodland) or no shade. It prefers moist soil.
Habitats
Woodland Garden Sunny Edge; Dappled Shade;
Edible Uses : None known
Medicinal Uses
Plants For A Future can not take any responsibility for any adverse effects from the use of plants. Always seek advice from a professional before using a plant medicinally.
Anodyne; Aphrodisiac; Diuretic; Febrifuge; Stimulant; Tonic.
The leaves are diuretic, febrifuge, stimulant and tonic[218]. A tincture of the wood is ingested as a tonic and anodyne[218]. The plant is said to have excessive aphrodisiac properties[218].
Other Uses
Wood.
The wood is hard and heavy, suitable for making furniture and other small articles[266].
Cultivation details
Requires a well-drained fertile soil in a sheltered position in sun or light shade[1, 200]. Prefers a warm soil that is not too heavy or close[11]. Tolerates calcareous soils[11, 200]. Dislikes windy sites[11]. Plants are hardy to between -7 and -12°c[200]. Hardy at Kew Gardens in all but exceptionally cold winters, this species is at its best in the milder areas of the country where specimens up to 15 metres tall exist[11]. There are some named forms, selected for their ornamental value[200]. The flowers have a delicate scent[245]. Plants are susceptible to fireblight[200]. Plants in this genus are notably resistant to honey fungus[200].
Propagation
Seed - best sown in a cold frame as soon as it is ripe in the autumn. Stored seed will probably require stratification and should be sown as early in the year as possible[78]. Germination is usually good[78]. When they are large enough to handle, prick the seedlings out into individual pots and grow them on in the greenhouse for their first winter. Plant them out into their permanent positions in late spring or early summer, after the last expected frosts. Basal cuttings in a frame[200]. Harvest the shoots with plenty of underground stem when they are about 8 - 10cm above the ground. Pot them up into individual pots and keep them in light shade in a cold frame or greenhouse until they are rooting well. Plant them out in the summer. Cuttings of half-ripe wood, 7 - 10cm with a heel, July/August in a frame[11, 78]. They take about 2 months to root and should be overwintered in a greenhouse, planting out in late spring[78]. Fair to good percentage[78]. Cuttings of almost ripe side shoots, 7 - 12cm with a heel, October/November in a cold frame[78]. Lift the following autumn and plant in their permanent positions[78]. Layering in autumn. Partially sever the layer about 12 months later and lift in the following spring. High percentage[200].
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