Loans are money students or parents may borrow to assist in paying for college costs.
联邦贷款
联邦财政援助计划是最大的学生贷款发放机构. 也有私人贷款机构. 学生贷款的偿还通常在教育结束后开始. 把贷款看作是对未来的投资是有帮助的.
联邦斯塔福德贷款 are federal loans available to degree-seeking undergraduate students enrolled at least half-time. 州立大学的半学期为本科生6个学分. 斯塔福德贷款可以有补贴和/或无补贴. 这些贷款不以信用为基础,目前的发起费用为1美元.057%. The origination fee is deducted from the loan amount prior to its disbursal to the university. 斯塔福德贷款直接从美国贷款.S. 作为William D. 福特直接贷款计划.
学生什么时候偿还斯塔福德贷款? 学生毕业后, 离开学校, 或者降至半日入学率以下, 在他们必须开始偿还贷款之前,他们将有六个月的时间. 这段时间被称为宽限期. 学生有一个宽限期. Students may have longer than six months if they are on active duty in the military.
斯塔福德贷款有哪些类型? 斯塔福德贷款有两种类型,有补贴和无补贴.
A 资助斯塔福德贷款 is awarded on the basis of financial need as determined by the FAFSA and SU. 7月1日前发放的资助斯塔福德贷款, 2012, no interest will accumulate for the student prior to repayment of the loan or during authorized periods of deferment. 在此期间,联邦政府将支付利息. 适用于7月1日以后发放的资助斯塔福德贷款, 2012, no interest will accumulate for the student while they are enrolled at least half-time or during authorized periods of deferment. 但是,利息将在还款前的宽限期内产生.
An 无补贴斯塔福德贷款 不是基于经济需要而授予的. 不像补贴贷款, interest will begin to accrue immediately from the time the loan is disbursed until it is paid in full. Students are permitted the option of paying the interest each quarter or deferring interest payments until they enter repayment. If the student allows the interest to accrue while they are in school or during other periods of nonpayment, 它将被大写,也就是说, 利息将加在贷款的本金上, 额外的利息将基于更高的金额.
这取决于学生的经济需要, their Stafford Loan could be a combination of both subsidized and unsubsidized.
是什么? federal maximum an undergraduate student may borrow each academic year?
依赖学生 | 最高直接斯塔福德贷款金额 |
---|---|
第一年 | $5,500(其中不超过$3,500可获资助) |
二年级学生 | 6,500元(最多可获资助4,500元) |
大三或大四 | 7,500元(最多可获资助5,500元) |
独立的学生 | 最高直接斯塔福德贷款金额 |
---|---|
第一年 | 9,500元(其中不超过3,500元可获资助)* |
二年级学生 | 10,500元(最多可获资助4,500元)* |
大三或大四 | 12,500元(其中最多可获资助5,500元)* |
* Students whose parents are denied the Parent PLUS Loan are also able to borrow at this level.
是什么? 利率 斯塔福德贷款? The 利率 for all undergraduate Stafford Loans for the 2022- 2023 year will be fixed at 4.百分之九十九的贷款期限. The fixed 利率 for any loan borrowed for the 2023-2024 academic year will be set by July 1, 2023.
联邦家长附加贷款s are federal loans parents can borrow to pay for their dependent student’s educational expenses. 学生必须被FAFSA视为受抚养人, 做一个追求学位的本科生, 而且他至少有一半的时间被录取. Eligible parents who can borrow a PLUS Loan include a student’s biological parents, 不管他们是否在FAFSA上, 以及在FAFSA上报告收入的继父母. Parents must also pass a credit check in order to be approved for this loan.
家长PLUS贷款目前收取4英镑的发起费用.228%. PLUS贷款直接从美国贷款.S. 作为William D. 福特直接贷款计划. 家长可以为学生的本科生涯每一年贷款, 虽然随后的信用检查将被要求. 信用检查的有效期最长为90天.
是什么? 利率 家长PLUS贷款? 2024 - 2025年家长PLUS贷款的利率固定为9.083%
When should I apply for the Parent Plus Loan for the 2024/2025 academic year? 您可以在2024年5月1日之后的任何时间申请家长贷款.
家长何时开始偿还“家长PLUS贷款”? 家长有两种选择偿还“家长PLUS”贷款. 通常, repayment begins within sixty days after the final loan disbursement for the academic year the loan was borrowed. 对于大多数家长来说,这将发生在春季学期的三月. 另外, parents can choose instead to defer loan repayment until after their student graduates or drops below half-time enrollment. Interest will still accrue and parents will be given the option of paying or capitalizing the interest. 无论父母选择哪种还款方式, 利息在第一次付款时开始累积.
A Federal Nursing Student Loan is a 5% interest loan for students who are enrolled at least half-time in the Bachelor’s in Nursing program who demonstrate exceptional financial need. 请联系财政援助办公室了解更多信息.
学生什么时候偿还护理学生贷款? 如果学生在学校至少有一半的时间, 他们毕业后有九个月的时间, 离开学校 or drop below half-time status before they must begin repayment. Students may have longer than nine months if they are on active duty in the military. 在宽限期结束时,学生必须开始偿还贷款. 学生可以有长达10年的还款期限.
是什么? federal maximum an undergraduate student may borrow each academic year?
年 |
头两年的限制 0 – 53.99个学分 |
最后两年的限额 53.99 +信用 |
总贷款限额 |
2020-21 |
$4,816 |
$7,576 |
$24,768 |
2021-22 |
$5,022 |
$7,899 |
$24,768 |
2022-23 |
$5,236 |
$8,237 |
$25,825 |
2023-24 |
$5,460 |
$8,588 |
$26,928 |
2024-25 |
$5,693 |
$8,955 |
$28,078 |
2025-26 |
$5,936 |
$9,338 |
$29,227 |
2026-27 |
$6,189 |
$9,736 |
$30,527 |
2027-28 |
$6,454 |
$10,152 |
$31,830 |
2029-30 |
$6,729 |
$10,586 |
$33,189 |
*
替代/私人贷款
Alternative/private student loans are outside funds borrowed from a bank or lending institution and not part of the Federal Student Aid Program. 相应的, it is not necessary to file a FAFSA or other federal forms in order to receive these loans. Many students and parents opt for these loans when they are looking for more flexible repayment options than those available with federal loans, 比如把贷款记在学生的名下. 尽管这些都是非联邦贷款, most lenders will require the Office of 金融援助 to certify the student’s enrollment and eligibility. 相应的, we will not certify a private loan which exceeds our estimate for the student’s educational expenses. Federal financial aid regulations also require 澳门线上赌博平台大学 to include private educational loans as part of a student’s financial aid package. 结果是, a private loan may reduce the amount a student or parent could receive in other forms of financial aid, 不管澳门网上赌博平台是否对贷款进行了认证. 相反, the amount 澳门线上赌博平台大学 could certify for a private loan could be limited by the other aid the student is receiving. 在考虑私人贷款时要记住的一些事情:
借款人/担保人的责任借私人贷款, the student is often responsible for repayment; as opposed to the Parent PLUS Loan, 父母偿还贷款的责任在哪里. 然而, lenders of private loans will often require a parent or another party to cosign the loan for their student, making that individual responsible for repayment if the student defaults on the loan. Cosigning also means the loan will appear on the cosigner’s credit history in addition to the student’s
利率: The 利率 on private loans are typically based on the current prime/LIBOR rates and are variable. Often the lender will base the 利率 upon the credit score and history of the borrower or cosigner.
寻找私人贷款机构? FastChoice provides information about private loans in an easy-to-understand format to help students determine which private student loan best meets their needs – FastChoice
问题?
在谢南多厄,我们明白,财政援助是一个重要的, 有时令人困惑, 这是你找大学过程中的一个因素. We are here to help you understand your 澳门线上赌博平台大学 financial aid package and financial options. 联系财政援助办公室.