Loans

美国政府为家庭提供 联邦学生贷款ALL 从联邦直接贷款计划借款的学生需要签署一份 Master Promissory Note (MPN) and complete online Entrance Counseling 接受他们的直接贷款. 在这些项目完成之前,联邦贷款资金不会计入maxbet手机客户端法案.

Once a student is no longer enrolled they are also required to complete Exit Counseling,审查他们的贷款使用情况和偿还贷款的责任.

联邦直接学生贷款联邦直接贷款学生选择贷款继续教育贷款全国助学贷款数据系统
美国政府为学生提供 联邦学生贷款ALL 从联邦直接贷款计划借款的学生需要签署一份 Master Promissory Note (MPN) and complete online Entrance Counseling 申请直接贷款.  在这些项目完成之前,联邦贷款资金不会计入maxbet手机客户端法案.

发放给您的联邦直接贷款可能有补贴和/或无补贴,具体如下:

SUBSIDIZED Federal Direct loan is awarded on the basis of financial need.  Interest will begin accruing at the end of your grace period. Your grace period is 6 months after you graduate, 退出学校, 或者不再招收至少一半时间的学生.

An UNSUBSIDIZED 联邦直接贷款是一种不需要的贷款. 您将被收取利息的时间,从贷款是支付,直到它是全额支付. If you allow the interest to accrue (accumulate) while you’re in school, 或在其他不付款期间, 它是大写的. 这意味着在还款时,利息会加到你的贷款本金上.

所有联邦直接补贴或非补贴贷款都要收取费用. For information on current interest rates and fees, please visit studentaid.gov.

Please note the following eligibility requirements must be met in order to be awarded Federal Direct Loans:

(1)  Students must be matriculated (enrolled in a degree-seeking program) and enrolled at least half-time (6 credits or more per semester).
(2)  Students cannot be in default on any Federal Loans.
(3)联邦直接年度和合计 loan limits apply.

  • Dependent undergraduate students are eligible for up to $31,000(不超过23美元),其中000项可获资助).
  • Independent undergraduate students and dependent students whose parents are ineligible for a Federal PLUS Loan are eligible for up to $57,500美元(不超过23美元),其中000项可获资助).
  • 研究生的最高贷款总额限额为$138,500. 研究生的债务限额还包括本科学习获得的联邦学生贷款.

(4) Students are awarded yearly federal loan limits based upon number of credits earned as outlined below:

The Federal Direct PLUS loan is an optional federal loan for parent(s) who wish to access additional resources beyond what a student is eligible to receive.

  • PLUS贷款仅以家长而非学生的名义发放,不可转让.
  • PLUS贷款的批准或拒绝是基于父母的信用记录.
  • 对于PLUS贷款的申请金额,会有一笔申请费, this impacts the actual amount paid on the student’s bill. Fees and rates are fixed for an individual loan, however, they can change each academic year based on federal mandate. 有关PLUS贷款最新的起始费用和利率,请访问 studentaid.gov.
  • 只有家长才能申请PLUS贷款.
    • 父母被定义为学生的生母或养母或父亲, regardless of whether they are the “custodial” parent on the FAFSA.
    • A step-parent is eligible to borrow a PLUS loan IF he or she is reported on the FAFSA along with the custodial parent.
    • 合法监护人不被认为是联邦学生资助目的的父母.
    • More than one parent can apply for a PLUS loan for a dependent student as long as the total financial aid package does not exceed the 成本的出勤率.
  • The maximum amount that a parent can borrow in the PLUS loan is the 成本的出勤率 minus any financial aid received by the student.
  • If your student intends to either reduce or decline the Federal Work Study award to increase the parent’s eligibility for the Federal Direct PLUS Loan, please submit a request at least a day prior to applying for the loan.
如何申请联邦直接贷款
  • 为了获得PLUS贷款,学生必须完成FAFSA,可以在 fafsa.gov.
  • 如果父母还没有FSA ID或丢失了此信息,请访问 联邦学生援助ID网站.
  • 应用的父节点登录 studentaid.gov 与FSA的ID和密码.
  • 选择“申请援助”选项卡.”
  • Select the option for “Apply for a Parent PLUS Loan.”
  • Read and complete all the steps required for this application.

请注意:作为申请的一部分, 您将被要求选择您所申请的时间期限. 请填写以下日期:

Full Year: 9月至5月
Summer五月至八月
Fall日期:9月至12月
Spring日期:2月至5月
Winter/Spring日期:1月至5月

在学生资助处,可以申请2022-2023学年的家长PLUS贷款.gov

父母申请后会发生什么
  • The parent will receive an immediate credit decision (approved or denied) as soon as the application is completed.
  • Student 金融服务 will receive notification of the PLUS application decision within 2 to 4 business days.
  • If APPROVED – the maximum allowed will be added to the student’s financial aid.
  • If DENIED:
    • maxbet手机客户端 will automatically increase the student’s Unsubsidized Federal Direct loan eligibility as allowed within the cost of attendance.  Students who have earned up to 60 credits may be eligible for up to $4,每年额外增加000.  Students who have earned 61 credits or more may be eligible for up to $5,每年额外增加000.
    • If the PLUS is subsequently approved through the appeal process, 或者通过添加一个背书人, 额外发放予学生的非资助贷款将会作相应调整.
    • The parent will be given the option at the end of the PLUS application to add an Endorser to their loan to try for approval. The steps required for this will be listed if they select this option.
    • The parent will be given the option at the end of the PLUS application to appeal the decision based on extenuating circumstances. 如果选择此选项,则将列出此过程所需的步骤.
After exhausting available federal and family resources, 一些学生可能需要申请另一种学生贷款来支付教育费用. Alternative loans are loans through a private lending institution and terms and conditions for each lender may vary widely.

Some things to consider when applying for an Alternative Loan
  • Alternative loans are loans through a private lending institution and do not necessarily have benefits similar to federal government programs, such as the option to tie your monthly repayment to your income. 关于私人援助和联邦援助之间的区别的更多信息可以在 StudentAid.gov website.
  • Some alternative loans require families to immediately begin repayment of interest which accrues on each loan while the student is attending college.
  • The interest rates on alternative loans can be either variable or fixed, while federal loans have only fixed interest rates.
  • Be sure you have applied for all available scholarships, grants, work study and federal loan programs offered (by completing the FAFSA) before borrowing from an alternative loan program.
  • 替代贷款是在学生的名字和一个“好的”联合签署人通常是必需的. 怎样才能成为一个好的联合签名者? Steady employment with enough income to meet debt obligations, 有能力履行信用义务, 信贷没有过度扩张, 信用记录上没有严重的负面项目.
  • 一旦收到完整的申请, 贷款人将进行信用检查,并告知你的申请是否被批准.
  • Eligibility for alternative loans is based on the  成本的出勤率 减去其他财政援助.
  • If you intend to either reduce or decline your Federal Work Study in order to have a higher Alternative or Federal Direct PLUS loan, please do that 至少在申请前一天 for the loan by 联系学生金融服务.  一旦学校认证贷款,替代贷款金额和条款将不能再改变.
  • 联邦法规现在要求在贷款申请过程中采取额外的步骤.  Students must now acknowledge three separate disclosure notices with their lender and complete a student self-certification form with information that can be obtained from their Financial Aid as listed on their mymaxbet手机客户端 account.
  • 由于这些新的要求,处理您的贷款所需的时间将被延长.
Recommendations to assist you with applying for an Alternative Loan
  • Start the application process early, but not too early. Since Alternative Loans must be disbursed within 90 – 120 days from the date the lender runs a credit check, it is recommended that loans for Fall only not be applied for prior to June and that loans for Spring only not be applied for prior to October.
  • Confirm that you are applying for the correct time period.  通常情况下,你每年只需要申请一次,就两个学期所需的金额.
  • If you do want to apply for each term separately, Fall only loans should have a loan period of September through December; Spring only loans should have a loan period of January through May.  Any loan with a loan period of September through May will be split equally between the fall and spring terms.
  • Complete and return requests from your lender in a timely manner
  • Check the status of your loan with your lender frequently
Important Questions to Ask When Applying for an Alternative Loan
  • 是否需要联名人?  如果是,在什么情况下?
  • 如果我有联名人申请,利率及/或费用会否减低?
  • Is there an option to release the co-signer at a later date (i.e. 在一定数量的按时付款之后)?
  • 初始利率是多少?
  • 利率是固定的还是可调的?  If adjustable, 利率多久调整一次(有些贷款机构每月调整利率?, 有些是季度, etc.)?
  • Is there a cap on the interest rate (maximum rate that may be charged)?
  • 是否有与此贷款相关的初始费用,如果有,费用是多少?
    (发起费用是贷款人从你的每笔贷款支出中减去的金额.  它通常是根据你借款金额的百分比来计算的。
  • 这笔贷款是否有相关的还款费用?如果有,费用是多少?
    (还款费用是在还款期开始前,你的贷款总额所加的金额)
  • What additional fees may be incurred during the life of the loan?
  • Are any of these fees based on credit rating or existence of a co-signer?
  • What, if any, 利率降低, or other incentives may be offered during the life of the loan?
  • How will the interest on my loan accrue while I am in school?  它会资本化吗?  如果有,多久一次? 
    (资本化是指累积的利息加到你的借款金额上.  这种情况发生的频率是非常重要的,当决定多少你将偿还.  Capitalizing interest once prior to repayment is much better financially for you than capitalizing interest on a monthly basis.  无论哪种方式,maxbet手机客户端都建议你在上学期间支付利息)
  • 利息的依据是什么? 是增加的百分比吗 LIBOR,T-Bill, or Prime Rate?
  • 贷款申请是网上的还是纸质的?
  • How does my co-signer complete their section of the application?
  • 我可以电子签署申请吗, 还是需要打印, 签署并邮寄申请给贷款人?
  • How will my school be notified I have been approved?
  • How long does it take for the school to be notified?
  • 我的贷款会被卖掉吗?  If sold, will I lose my borrower repayment benefits?
  • How long do I have after I graduate or leave school before I am required to start making monthly payments on this loan?
  • What is the length of time I will be given to repay this loan?
  • 什么是准时付款?  如果逾期一天才收到款项,一些贷方会认为逾期付款, others may allow up to 15 days before considering payments late.  Note: If payments are not timely, repayment benefits might be lost.
私人另类贷款贷款人名单
这是一份全面的、为期三年的名单,供maxbet手机客户端的大学生家庭使用. Your family’s needs are unique and no lender is perfect for every family. Shop around to find the best loan to meet your needs.

请注意:该名单不以任何方式排名. maxbet手机客户端没有与以下列出的任何贷方的优先安排. Student 金融服务 receives no benefit for listing these lenders. We cannot legally recommend a lender to you and under federal law, you have the right to borrow through the lender of your choice regardless whether they appear on this list.

没有看到你想使用的贷方? Not a problem. This list is a starting point and is not meant to be all inclusive. Some loans have citizenship, residency, or membership requirements.

Lender list

(最后更新于2022年6月)

符合州居住要求的贷款

Many states offer their residents very attractive student loan options to finance any remaining gaps after federal eligibility has been exhausted.  If you are a resident of one of the following states, please click on the link corresponding to your state of residency for more information about these programs:

Alaska: ASEL – 1-800-441-2962
Connecticut:  CHESLA – 1-888-295-0911
Massachusetts:  MEFA – 1-800-449-6332
Maine: MELA – 1-800-922-6352
New Hampshire: NHHELCO – 1-855-887-5430
New Jersey: NJ CLASS – 1-800-792-8670
Rhode Island: RISLA – 1-800-758-7562
Vermont:  VSAC:佛蒙特州的优势 – 1-800-798-8722
A 继续教育贷款 (if needed) may be borrowed if a student is not matriculated (that is, 或不符合联邦贷款项目的资格. These loans should only be applied for as a last resort.

非学位研究生(任何学期), 继续教育本科生, 以及参加早春或夏季学期的本科入学学生, payment for classes is due at the time of registration. We strongly recommend that you apply early for your loan to ensure that it’s in place by the billing or registration due dates.

Please note: maxbet手机客户端 does not enter into Consortium Agreements with other institutions for purposes of accessing federal financial aid programs

Although the lending institution of choice is completely up to you, maxbet手机客户端强烈建议您在做出决定时考虑以下因素:

  • Continuing Education loans are private loans through a lending institution and not part of federally funded programs.
  • Continuing Education loans are more expensive than 联邦学生贷款 and should only be used when all other options have been exhausted.
  • 在申请继续教育贷款之前,请确保您已经申请了所有可用的援助.
  • 继续教育贷款是在学生的名字,并可能需要一个联合签署人. 一旦收到完整的申请, 贷款人将进行信用检查,并告知你的申请是否被批准.

有关继续教育贷款的详情,请联络下列机构:

Sallie Mae智能选择贷款
http://www.salliemae.com or 877-279-7172

EdVestinU
http://edvestinu.com/private.asp
or 1-603-227-5423

What is the 全国助学贷款数据系统 (NSLDS)?

The 全国助学贷款数据系统 (NSLDS)是美国的.S. Department of Education’s central database for Federal student aid. NSLDS接收来自学校的数据, 担保机构, 直接贷款计划, and other Department of Education programs and provides a centralized, integrated view of all Title IV loans and grants. 您可以访问当前和之前的所有联邦拨款和贷款信息 NSLDS website. Parents may access NSLDS for information on the Federal Direct PLUS loans.

Please note: Information on a pending loan will not be available until approximately 2 weeks after the loan has disbursed to the school.

目前 几个不同的服务机构 that your Federal loans may be serviced through.  To verify who is currently servicing your loans, please visit nslds.ed.gov 并选择“财政援助审查”.“用他同样登录 FSA ID 在你们的联邦法律援助中使用过的. 点击“贷款”下第一栏的数字,查看有关贷款的详细信息.

如果你有多于一笔贷款,你必须点击与每笔贷款相关联的每个数字.  这将显示贷款, 你贷款的学校, 支付金额及日期, and it will also display the servicer agency information.  Sometimes a loan can be transferred to a different servicer.  Therefore, 您将需要查看列出的“当前服务机构”,以了解谁目前正在为您的贷款提供服务.  For any repayment inquiries regarding your loan, please contact the number listed under your current servicer.