学生贷款流程
关于联邦学生贷款的信息
A student loan is money you borrow for educational purposes and that you promise to repay to the lender. Borrowing money generally requires interest to be paid, 也就是说你还的比借的多. For this reason, OPE电子竞技官网 encourages students to only borrow loans as a last resort.
Eligible students may borrow Federal Direct 贷款 from the U.S. 教育部.
联邦直接学生贷款
申请联邦直接贷款, you must accept the amount you wish to borrow in 金融援助 Self-Service.
然后，你必须完成:
在线学生贷款入学咨询
网上直接贷款主本票(MPN)
贷款认证
根据 他叫交会. 479(A)(c)， 34 CFR 685.301(a)(8)， DCL GEN-11-07; OPE电子竞技官网 has the authority to refuse to certify a loan(s) for an individual borrower, or may certify a loan for an amount less than the borrower’s maximum eligibility, 具体情况具体分析.
贷款认证标准:
- Student must be enrolled and attending at least six credit hours (half-time) per quarter.
- Student must maintain Satisfactory Academic Progress for Federal Student Aid eligibility.
- Students have a right to cancel their loan by notifying the 金融援助 office in writing no later than 14 days after funds are applied to their student account.
- The 金融援助 Office will maximize Subsidized Loan eligibility before Unsubsidized Loan eligibility.
- The 金融援助 Office may reduce a loan amount if outside financial assistance reduces ument need in the student's budget.
- The 金融援助 Office may not exceed the annual federal limit for Direct 贷款. 转移 students may be affected if they used loans at another institution.
年度贷款限额
一级: 0 - 44.99学时
$5,500 - dependent student (maximum Direct Subsidized is $3,500)
$9,500 - independent student (maximum Direct Subsidized is $3,500)
二级: 完成45+学时
$6,500 - dependent student (Maximum Direct Subsidized is $4,500)
$10,500 - independent student (Maximum Direct Subsidized is $4,500)
What is the Difference between the two types of Federal Direct 贷款?
- A Subsidized Federal Direct Loan is based on financial need. "Need" is determined by subtracting the Expected Family Contribution (determined by federal formula) and all other forms of aid from the 出勤费用(COA). The federal government pays the interest for you while you are enrolled in school at least half-time, during the six-month grace period after you stop attending school at least half-time and during periods of authorized deferment. The maximum amount a student may borrow in Subsidized 贷款 at Grade Level One is $3,500美元，二级是4美元,500.
- An Unsubsidized Federal Direct Loan is not based on financial need and is available to you regardless of income. 因为这笔贷款不是政府补贴的, you are responsible for all interest which accrues during in-school, 宽限期和缓期. You may choose to make periodic interest payments to the lender or opt to have the accrued interest capitalized (added on to) the principal loan amount.
利率是固定的 5.50% for undergraduate subsidized and unsubsidized loans with the first disbursement of loans on or after July 1, 2023年和7月1日之前, 2024-意思是，为…而收到的贷款 2023-24奖项年度.
Undergraduate subsidized and unsubsidized loans with the first disbursement of loans on or after July 1, 2022年7月1日之前, 的固定利率 4.99%-意思是，为…而收到的贷款 2022-23年度.
All Federal Direct 贷款 are assessed a loan fee by the federal government. This fee helps reduce the cost of making these low-interest loans. The federal government will deduct the fee from the loan before the borrower receives any loan money; therefore, the loan funds received by the borrower may be less than the amount they will repay. For Subsidized and Unsubsidized loans originated on or after 10月ober 1, 2020年及10月1日之前, 贷款发起费为 1.057%.
如果你在借用后取款，你必须:
完成贷款退出咨询
还款估算器/贷款模拟器
队列违约率
A cohort default rate is the percentage of a school's student borrowers who enter repayment on certain Federal Family Education Loan (FFEL) Program or William D. Ford Federal Direct Loan (Direct Loan) Program loans during a particular federal fiscal year (FY), 10月. 1至9月. 30, and default or meet other specified conditions prior to the end of the next fiscal year. Please refer to the 队列违约率指南 below for a more in-depth description of cohort default rates and how the rates are calculated.
队列违约率指南
联邦贷款
To apply for a PLUS Loan, you must complete the following steps:
Complete the OPE电子竞技官网 Federal Direct PLUS Loan Request form. Contact the 金融援助 Loan Associate for processing instructions.
Complete the Direct PLUS Loan Master Promissory Note (MPN)
还款估算器/贷款模拟器
This loan program is designed to assist the parent(s) who wants to borrow money to help pay for the educational expenses for each child who is a dependent undergraduate student.
The student must be registered for a minimum of six credit hours for the entire loan period in order for a parent to be eligible for a PLUS loan. Students must first complete a FAFSA so that their eligibility for federal student aid can be determined prior to processing this application for the student and parent.
利率是固定的 8.05% for Direct Plus 贷款 for dependent students with the first disbursement of loans on or after July 1, 2023年和7月1日之前, 2024-意思是，为…而收到的贷款 2023-24奖项年度. 10月1日或之后发放的直接贷款, 2020年及10月1日之前, 2024年贷款发放费为4.228%.
替代/私人贷款
世纪挑战公司不认证私人学生贷款.