贷款
联邦直接学生贷款
联邦直接学生贷款 are available to eligible students who file a valid FAFSA.
Federal rules limit student loans so that borrowing does not become overly burdensome. For more information on terms and interest rates, please visit the 联邦学生资助 网站.
贷款种类
Dependent students who demonstrate financial need and who are enrolled at least half-time (six credits or more), may qualify for a Subsidized Student Loan of up to $3,500 for the freshman 一年, $4,500 for the sophomore 一年, and $5,500 for junior and senior 年.
Independent students may borrow up to an additional $4,000 per 一年 for the first and second 年 of undergraduate study and up to an additional $5,000 per 一年 for subsequent undergraduate study through the 无补贴直接贷款 Program.
Direct Unsubsidized 贷款 are non-need based. Interest begins to accrue at the time the loan is disbursed. The Free Application for 联邦学生资助 (FAFSA) is used to determine student 资格. 学生 may borrow up to $2,000 per academic 一年.
学生 whose parents are denied for the Parent PLUS loan are eligible for an additional $4,000 in Direct Unsubsidized Loan for the first and second 年 and $5,000 for the 第三和第四年.
主本票(MPN)
新借款人必须填写一份 Federal Direct Loan 主本票(MPN). The MPN is a legal contract between you and your loan servicer that sets the terms and conditions and other details of your federal loan. 主本票是 signed only once for all subsequent direct loans.
入学咨询
New borrowers at 九州娱乐官网 will need to complete 入学咨询. The purpose of entrance counseling is to ensure that you understand your rights and responsibilities as a new loan borrower and that you understand the regulations governing 每个贷款项目. Until you have completed this requirement, the funds will not disburse 以你的名义.
出口咨询
As a borrower of a federal loan(s), you are required to complete 出口咨询 once you graduate, drop below part-time, or stop enrollment. 退出咨询套 all subjects that were covered in entrance counseling, with an emphasis on repayment 策略.
家长附加贷款
The Federal Direct PLUS Loan Program allows parents of undergraduate students to borrow up to the full cost of attendance minus other financial aid.
父母 are required to file a FAFSA to be eligible for a Parent PLUS loan. 所有的加 loan decisions are credit-based, and parents must re-apply for a PLUS loan each academic 一年.
If the parent applies for a PLUS loan and it is denied by the Department of Education, the student is then eligible for an additional 无补贴直接贷款.
T在这里 are two ways to apply for the Parent PLUS loan:
网上申请: 联邦学生援助网站.
Submit a 九州娱乐官网’s PLUS Loan Request Form found on our 表格及资源 网页.
Interest Rates for Direct 贷款 First Disbursed on or After July 1, 2023, and Before 2024年7月1日
| 贷款类型 | 借款人类型 | 固定利率 |
| Direct Subsidized 贷款 and Direct Unsubsidized 贷款 | 本科 | 5.50% |
| 直接PLUS贷款 | 父母 and Graduate or Professional 学生 |
8.05% |
Most federal student loans have loan fees that are a percentage of the total loan 量. The loan fee is deducted proportionately from each loan disbursement you receive 在上学期间. This means the money you receive will be less than the 量 实际上是借. You’re responsible for repaying the entire 量 you borrowed and not just the 量 you received.
Loan fees for Direct Subsidized 贷款, Direct Unsubsidized 贷款, and Direct PLUS 贷款 first disbursed on or after Oct. 1, 2019.
| 贷款类型 | 首次付款日期 | 贷款费用 |
| Direct Subsidized 贷款 and Direct Unsubsidized 贷款 | On or after 10/1/20 and before 10/1/23 | 1.057% |
| On or after 10/1/19 and before 10/1/20 | 1.059% | |
| 直接PLUS贷款 | On or after 10/1/20 and before 10/1/23 | 4.228% |
| On or after 10/1/19 and before 10/1/20 | 4.236% |
贷款 disbursed after October 1, 2023 may have different loan fees.
替代/私人贷款
Alternative 贷款 (Private Education 贷款) are offered through private lenders and are meant to provide additional educational funding. 在大多数情况下，这是有利的 for students to pursue Federal Direct 贷款, and for parents to pursue a Federal Direct PLUS Loan, before seeking private educational loans.
A major advantage of the federal loan programs is that the federal government caps 贷款的利率. Additionally, private student loans typically do not offer the same benefits as federal loans, such as consolidation, service cancellations 还有军事偿还.
Private loan borrowers will be required to complete Private Loan counseling about 借贷的必需品. Loan funds will not be disbursed until counseling has been completed.
Complete Private Loan Counseling by clicking on the Borrowing Essentials link 在这里.
九州娱乐官网 does not partner with any lender. 任何私人贷款显示在 our FastChoice Private Loan Counseling are random selections, based on a historical listing of lenders students at 九州娱乐官网 have used in the past 5 年. 学生 and families are encouraged to compare the terms and conditions of the various private 申请前贷款.
The Office of Student 金融援助 staff would be happy to answer questions you may have related to alternative/private loans.