联邦学生贷款
联邦学生贷款类型 & 还款方式
| 学生类型 | 补贴 | 合计(补贴及非补贴) |
|---|---|---|
| 大一新生 | $3,500 | $5,500 |
| 二年级学生 | $4,500 | $6,500 |
| 初中及高中 | $5,500 | $7,500 |
| 学生类型 | 补贴 | 合计(补贴及非补贴) |
|---|---|---|
| 大一新生 | $3,500 | $9,500 |
| 二年级学生 | $4,500 | $10,500 |
| 初中及以上 | $5,500 | $12,500 |
| 学生类型 | 补贴 | 合计(补贴及非补贴) |
|---|---|---|
| 研究生 | 不合格的 | $20,500 |
| 学生类型 | 补贴 | 合计(补贴及非补贴) |
|---|---|---|
| Dependent Undergraduates (whose parent did not apply for or was approved for a 家长PLUS贷款) | $23,000 | $31,000 |
| 独立的大学生 & 受抚养本科生(其父母被拒绝申请家长PLUS贷款), 和教学认证证书课程. | $23,000 | $57,500 |
| 研究生(硕士, 专家, 博士, 以及所有额外的证书课程(课程除外) 没有资格获得第四章的援助). | $65,000 | $138,500 |
补贴贷款
This loan program allows you to borrow directly from the government at a low interest rate if you have financial need and are attending at least half-time (6 hours or more for undergraduates). 在你毕业6个月之前，没有还款期限，也没有利息, 离开学校, 或者中途退学. 研究生没有资格申请助学贷款.
Loans disbursed between July 1, 2023 to July 1, 2024 have a fixed interest rate of 5.50%. 这个比率每年都有变化. 发起费用从您接受的原始贷款金额中扣除.
- 10月1日或之后发放的贷款, 2020年及10月1日之前, 2024年的原创费为1美元.057%.
作为在线博彩的第一次借款人, you will be required to complete a Loan Entrance Counseling Session and an electronic Master Promissory Note (MPN). 这两个要求都可以在 联邦学生援助网站 用你的密码登入. 如果你毕业了，你还需要完成一个退出咨询会议, 转到另一所学校, 退学, 或者低于中场休息时间.
未受资助的贷款
This loan program allows you to borrow directly from the government at a low interest rate if you are attending at least half-time (6 credit hours or more for undergraduates, 普通研究生需3小时以上). 在你毕业后6个月才需要偿还贷款, 离开学校, 或者中途退学. 当你在学校的时候，兴趣就开始积累了.
- 为 本科生, loans disbursed between July 1, 2023 and July 1, 2024 will have a fixed interest rate of 5.50%.
- 为 研究生, loans disbursed between July 1, 2023 and July 1, 2024 will have a fixed interest rate of 7.05%.
It is strongly recommended that you pay the accruing interest while you are in school. 发起费用从您接受的原始贷款金额中扣除.
- 10月1日或之后发放的贷款, 2020年及10月1日之前, 2024 have an origination fee of 1.057%.
家长PLUS贷款
This loan is available to parents of dependent 本科生, regardless of financial need. The loan requires a separate application and is approved based on the parents' credit history. 有关申请家长PLUS贷款的说明，请使用 家长PLUS贷款申请说明书(PDF, 764K).
Loans disbursed between July 1, 2023 and July 1, 2024 will have a fixed interest rate of 8.05%. The interest begins to accrue the day the loan is disbursed and repayment begins within 60 days. You may request a deferment on the loan while your student is enrolled at least half-time. 如果贷款延期，利息将在延期期间产生. You may choose to pay the accrued interest or allow the interest to capitalize when the deferment period ends. 发起费用从您接受的原始贷款金额中扣除.
- 10月1日或之后发放的贷款, 2020年及10月1日之前, 2024 have an origination fee of 4.228%.
主本票(MPN)必须填写在 联邦学生援助网站 由借款人领取贷款. 这是一张单独的主本票，而不是由学生完成的本票.
毕业生加分贷款
This loan program allows regular 研究生 (pursuing a graduate or professional degree) to borrow an amount up to the cost of attendance, 减去任何其他经济援助, 不管需要. 贷款是根据学生的信用记录批准的. Students must first borrow the annual maximum amounts allowed under the unsubsidized loan program before submitting a 毕业生加分贷款 Application. 毕业生PLUS贷款申请必须填写 联邦学生援助网站. The 金融援助 Office will determine your eligibility after your approved application is received. 基于联邦法规HEA 479A©和34 CFR 685.301 (a) (8), a Professional Judgment is allowed to reduce or deny a student a loan. 审查未偿贷款债务, 学习项目的长度, 其他项目将被评估，并以书面形式通知学生.
Loans disbursed between July 1, 2023 and June 30, 2024 will have a fixed interest rate of 8.05%. 利率每年都有变化. 利息从贷款发放之日起开始累积. 如果你注册了至少一半的时间，就不需要偿还贷款. You may choose to pay the accrued interest or allow the interest to capitalize when the deferment period ends. 发起费用从您接受的原始贷款金额中扣除
- 10月1日或之后发放的贷款, 2020年及10月1日之前, 2024年的发起费用为4美元.228%.
A separate Master Promissory Note (MPN) and Loan Entrance Counseling Session must be completed on the 联邦学生援助网站 由学生领取贷款.
还款方式
Most federal student loans have a grace period before you enter repayment of six months after you graduate, 离开学校, 或者降至半日入学率以下. 感兴趣 做 在宽限期内积累无补贴学生贷款.
- Direct 补贴 and Unsubsidized loans have a six-month grace period before payments are due.
- PLUS Loans (Parent and Graduate) have no grace period, but they may be eligible for a deferment. You will want to check into this option when considering applying for a PLUS Loan.
美国.S. Department of Education uses several loan services to handle the billing for all Direct Loans. 您的联邦贷款服务机构将在宽限期之前与您联系. 请不要忽略来自您的服务人员的消息. 他们将提供有关您的帐户和还款的宝贵信息. Once you have selected your repayment plan, you will make payments to your loan servicer.
教育部提供了一个 “还款估计” that allows you to get an early look at which repayment plans you may be eligible for. It also allows you to see estimates of how much you would pay monthly and overall for your federal student loans. *私人学生贷款不包括在还款估算中.*
直接还款计划
教育部目前提供7种不同的还款计划选择.
整合
If you have multiple federal student loans, you can consolidate those loans into a single 直接合并贷款. This could simplify repayment if you are making separate loan payments to different loan servicers, 因为你每个月只需要付一笔钱. 在合并之前，你需要考虑利弊.
联邦直接贷款比例政策
Federal regulations require schools to prorate the Federal Direct Loan amounts for graduating 本科生 when their final period of enrollment is less than a full academic year. 作为这个要求的结果, graduating 本科生 who are only attending one semester of the academic year will have their Federal Direct Loans prorated based on the number of credit hours they are enrolled. The loan limit proration determines the maximum loan amount that a student may borrow for the final term of study based on the degree they are earning. 联邦贷款比例计算
联邦贷款费用计算器
下面，你会发现一个联邦贷款发起费用计算器. Federal student loans have loan fees that are a percentage of the total loan amount. The loan fee is deducted proportionately from each loan disbursement you receive while enrolled in school. This means the amount reflected on your student breakdown bill will be less than the amount you accept in OneLogin. 如果你想借一笔特定的贷款金额来支付你账单上的费用, 您可以使用下面的计算器进行估计. 请注意，这个计算器的准确度在$1以内(最高可达$27,000)。. 请允许+/- 1美元的保证金. 只能输入整美元，不能输入美分. 计算的费用是1.斯塔福德大学(有补贴/无补贴)为057%，4.家长/毕业生PLUS 228%.