贷款种类

The Federal Direct Loan (FDL) is a federal financial aid program under which loan funds are made available to students for educational expenses. 富戴劳提供低息贷款, available to undergraduate and graduate students who are matriculated in a degree program for at least six credits per semester and who are U.S. 公民或永久居民.

联邦政府对FDL的所有规定提供了全面的解释, 术语, 以及他们的还款 网上的学生援助 网站. Click on the "Federal Student 援助 项目" button on the left hand side of the page for information on specific grants and loans. 以下信息概述了富戴劳的基本条款和条件.

一般直接贷款拨备

富戴劳计划向学生提供两种贷款:补贴贷款和无补贴贷款.

Subsidized Direct Loan eligibility is based on financial need as determined by the Federal Need Analysis Methodology. 当学生有资格获得补贴贷款时, the federal government makes the interest payments on behalf of the student while the student is enrolled in school on at least a half-time basis and for six months afterwards (grace period). 没有资格获得任何或全额补贴贷款的学生有资格获得无补贴直接贷款. 在无补贴的富戴劳计划下, 学生在入学期间负责支付利息. 关于这些利息支付有两种选择. 学生在注册期间可以每月支付利息, or the student may agree to add the interest due to the principal of the loan (this is called capitalization) at repayment.

直接贷款在支付时扣除1%的联邦费用. 利率是固定利率，由联邦政府在每年的7月1日设定. 对于本科生，2018-19年度的补贴/无补贴利率为5.05%. 研究生的无补贴利率为6%.60%.

本科生受供养学生每年可借到以下限额. 每年富戴劳的限额是:5美元,500美元(只要3美元),一年级学生可获资助500英镑, $6,500美元(只要4美元),二年级学生500元(可补贴), 和7美元,500美元(只要5美元),低年级和高年级学生可获得500元(可补贴).

Independent undergraduate students or a dependent student whose parents are unable to obtain a Federal Direct PLUS Loan may borrow up to the following annual FDL limits: $9,一年级学生500美元(仅需3美元),500个可补贴), $10,二年级学生500美元(只要4美元),500个可补贴), 和12美元,大三和大四学生500美元(只要5美元),500个可补贴).

研究生最多可以借到20,500美元的无补贴贷款.

在任何有补贴或无补贴的FDL组合中，学生的借款不得超过年度贷款限额. 也, a student's annual FDL may not exceed the approved federal cost of attendance minus any other types of financial aid.

还款

一般, repayment of loan principal begins six months after the student ceases to be enrolled on at least a half-time basis. 标准还款期限可延长至十年，具体取决于借款总额. 每月最低还款额是50美元. 其他几个 还款计划 都是可用的.

申请程序

接受一个富戴劳, 学生必须每年提交联邦学生援助免费申请(FAFSA)。, 完成入学辅导, 并填写富戴劳总本票(MPN). 虽然FAFSA必须在每个学年完成, 入学咨询和富戴劳MPN是一次性要求，必须在首次贷款前完成.

入学咨询是联邦政府对所有FDL借款人的要求. This counseling will help students understand the terms and provisions of the FDL as well as their rights and responsibilities as a borrower. 富戴劳MPN被设计为一种多年期票据, 最长期限为十年, 并可用于处理学生在随后几年的FDL. 因此, 学生只需要完成一次入学咨询和FDL MPN就可以在k8彩乐园app官网下载注册.

完整的 富戴劳入学辅导和/或MPN

你需要你的联邦学生援助(FAFSA)密码才能进入网站.

请注意:入学咨询和富戴劳MPN都必须在你的贷款被认证之前完成. 当您完成入学咨询后，k8彩乐园app官网下载将以电子方式通知您.

联邦直接PLUS贷款是一项提供低息贷款的联邦教育贷款项目, available to parents (Parent PLUS Loan) of dependent undergraduate students and to graduate students (Grad PLUS Loan). 联邦直接PLUS贷款不是基于需求的贷款，也不是基于特定收入水平的贷款. 然而，借款人必须证明有令人满意的信用评级才能参与. 借款人和学生必须是美国公民.S. 公民, 永久居民, or eligible non公民 and the student must be attending at least half-time (six credits per semester) in a degree-granting program.

联邦政府提供了所有联邦直接加贷款条款的全面解释, 术语, 还有还款计划 网上的学生援助 网站. Click on the "Federal Student 援助 项目" button on the left hand side of the page for information on specific grants and loans. 以下信息概述了联邦直接PLUS贷款的基本条款和条件.

一般联邦直接加贷款条款

PLUS贷款仅限于教育费用减去其他财政援助资源. 在2018-19学年，PLUS贷款的固定利率为7.0%.6%是由联邦政府设定的. 还本付息一般在全额支付后60天开始. 在学生在校期间，利息不会得到补贴，并将在第一次支付时开始累积. 联邦法规要求在发放贷款时扣除4%的联邦费用.

参与, 借款人必须根据联邦指导方针和信用标准证明其信用评级令人满意. 申请人的信用状况是在收到PLUS贷款申请后确定的. 申请人确定有不良信用记录, 如果申请人获得信誉良好的背书人或成功上诉信贷决定，是否可以获得贷款.

还款

PLUS贷款的还款期在全额支付年度贷款金额后60天开始. 例如, a loan made for the 2018-19 academic year would be “fully disbursed” with the spring semester 2019 loan payment in early January, 在三月初支付第一笔贷款的本金和利息.

月供及还款期限将视乎借款金额而定. 每月最低还款额将至少为50美元，还款期限可能延长至10年.

Grad PLUS Loan borrowers enrolled on at least a half-time basis (6 or more credit hours) may receive a deferment for repayment of principle and interest during enrollment, 在离开学校后的6个月.

Parent PLUS borrowers may defer principle and interest payments while the undergraduate student on whose behalf they borrowed is in school and for a six-month period after the student graduates or drops below half-time enrollment. Payments can also be deferred while the parents themselves are enrolled in college at least half-time in a degree-granting program.

PLUS申请程序

获得PLUS贷款, 学生必须每年提交联邦学生援助免费申请(FAFSA). The borrower must complete a PLUS Loan Master Promissory Note (PLUS MPN) and the borrower must annually request a loan, 并证明令人满意的信用.

尽管FAFSA和贷款申请必须在每个学年完成, PLUS MPN只需要填写一次. PLUS MPN的设计是作为一个多年的票据, 最长期限为十年, 并可用于处理借款人在其后年份的PLUS贷款资格. 因此, 借款人只需要在k8彩乐园app官网下载注册期间完成一次PLUS MPN.

研究生贷款咨询: 入学咨询是联邦政府对所有毕业生PLUS借款人的要求. This counseling session will help graduate students understand the terms and provisions of the PLUS Loan and their rights and responsibilities as a borrower. PLUS入学咨询只需要完成一次, 在获得第一笔毕业生PLUS贷款之前.

1. 文件的 FAFSA.
2. 完成 PLUS贷款MPN 和/或 申请PLUS贷款. 你需要你的联邦学生援助(FAFSA)密码才能进入网站.
3. 完成要求的毕业 学生PLUS入学辅导. 你需要你的联邦学生援助(FAFSA)密码才能进入网站.

Please Note: Both the entrance counseling and the PLUS贷款MPN must be completed before your loan can be certified. 此外，当您完成入学咨询时，k8彩乐园app官网下载将以电子方式通知您.

校友贷款计划
Source:k8彩乐园app官网下载
颁发:k8彩乐园app官网下载

资格

全日制在校本科生.S. 公民或永久居民可以申请.

价值

资格是基于财政需要，由学生财政援助办公室确定. 年度奖金一般从500美元到2000美元不等. 还款 of the loan plus interest begins nine months after the student ceases to be enrolled as a half-time student. 利率是5%. 每月最低还款额为50美元.

如何申请

完成 FAFSA.

私人教育贷款是由私人贷款机构提供的非联邦贷款. Some families use private education loans when additional resources are needed to meet educational costs not covered by family resources and other forms of financial aid. These loans are generally more expensive than the federal direct loan programs and should only be used when federal loan eligibility (Direct and PLUS loans) has been exhausted. The following terms and conditions are generally common to most private loan programs and are provided to help students and families understand private loans. Students and families should always consult with the lender for the terms and conditions specific to a loan program they are considering.

请访问 FASTChoice 开始寻找私人教育贷款.

一般私人贷款条文

借款人

贷款是在学生的名下. 然而，对于大多数贷款项目，本科生将需要一个共同签署人. 一些贷款在每月按时支付一定数量的款项后，有一个担保人的解除选择权, 一般是24到48岁.

资格要求

Applicant must be 18 years of age; a U.S. citizen or eligible non-citizen; enrolled at least half-time in a degree program; credit worthy or apply with a credit worthy cosigner.

贷款金额

学生可以借的最高金额是学校的出勤费减去其他经济援助. 贷款人的最低贷款额通常为500美元或1000美元.

利率

Private loans usually have variable interest rates which are based on an index such as LIBOR or PRIME plus an additional percentage depending on the applicant's and cosigner's credit score. 例如，一个贷款项目的利率可能从Prime + 1%到Prime + 5%不等. The highest credit score would receive Prime plus 1% and the lowest approved credit score would receive Prime plus 5%.

偿还条款

根据借款金额的不同，还款期限通常长达15年或20年. 一些贷款允许更长的期限. 还款方式一般包括立即偿还本金和利息, 在注册期间只支付利息, 或在入学期间延期支付本金和利息.

私人贷款选择-信息

对于大多数私人贷款项目, 学生必须每年完成每学年的申请. 贷款申请可以在贷款机构的网站上完成.

第一步是选择私人贷款，以满足家庭和学生的需要. 帮助家庭寻找贷款人, k8彩乐园app官网下载通过FASTChoice网站提供了一份贷款机构名单. 请注意, 这份名单不包括所有的私人贷款机构，学生可以把目光投向这个群体之外. 它只是一份过去三年中非盟学生和家庭使用过的贷款机构的清单. 学生可以选择他们想要的任何私人贷款，并且没有义务使用此列表中的贷方. 除了, the FASTChoice 网站 offers good consumer information including a comparison tool of lenders’ terms and conditions, 有用的还款计算器, 以及在线申请的链接.

k8彩乐园app官网下载不认可或推荐任何特定贷款人的私人教育贷款. 这些贷款的条款和条件各不相同, 家庭必须研究并决定哪种贷款最能满足他们的需求.

请访问 FASTChoice 开始寻找私人教育贷款.

暑期学校

Current students interested in private loans for summer school should visit the Office of Student 金融援助 for counseling and to explore summer school aid options.