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A majority of schools don't require stoles to be worn at the ceremony. Many choose not to wear them, but a vast amount of students prefer to have them, as not only does it help them display their achievements and groups they were involved with, but it's also a once-in-a-lifetime opportunity they can't turn down.

Citibank, Wells Fargo, Sally Mae, Sun Trust, and Chase are among banks that provide student loans. There are other noted credit unions that may offer loans on certain conditions.

Silver: Typically represents honors achievements in fields of medical science, math or agriculture. Black: Represents honors achievements in the field of business or economics. Gold: Signifies Latin honors for high GPA, honor society membership and other similar achievements.

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A graduation stole, also commonly referred to as a graduation sash, is worn by graduates to demonstrate their academic achievement and/or their involvement in a professional organization, student club, or a fraternity or sorority during their time in school.

Undergraduate students can expect to pay 5.04 percent in interest on new Stafford loans instead of the current 4.45 percent. Graduate students will see the interest rate on new Direct loans climb from 6 percent to 6.59 percent.