西班牙语

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贷款项目

A loan is money you borrow and 必须偿还 with interest under varying terms and conditions.

If you decide to take out a loan, make sure you understand who is making (i.e. offering) the loan and the terms and conditions of the loan. Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations. Federal student loans are available to most students regardless of income and provide a range of repayment options.

While it is important to be cautious of irresponsible borrowing, loans are considered an integral part of a student's 金融援助 package. Please carefully review the different types of loans available below and consider each one as a viable option for financing a college education.

Federal Direct 贷款

美国.S. Department of Education’s federal student loan program is called the William D. Ford Federal Direct Loan (i.e. Direct Loan) Program. Under this program, the U.S. Department of Education is your lender. T在这里 are four types of Direct 贷款 available:

• Direct Subsidized 贷款 are loans offered to eligible under研究生 students who demonstrate financial need to help cover the costs of higher education at a college or career school. For eligibility, loan limits, terms and current rates/fees, click 在这里.
• Direct Unsubsidized 贷款 are loans offered to eligible under研究生, 研究生, and professional students, but eligibility is not based on financial need. For eligibility, loan limits, terms and current rates/fees, click 在这里.
• 直接PLUS贷款 are loans made to parents of dependent under研究生 students or 研究生/professional students to help pay for education expenses not covered by other financial aid. Eligibility is not based on financial need, but an application and credit check are required. For eligibility, loan limits, terms and current rates/fees, click 在这里.
• Direct Consolidation 贷款 allow you to combine all of your eligible federal student loans into a single loan with a single loan servicer.

Eligible students will be offered Direct Subsidized and/or Direct Unsubsidized 贷款 upon completion of the FAFSA.

How to apply for a Federal Direct (Parent) PLUS loan?

1. Make sure your student has filed a FAFSA.
2. 完成 Direct PLUS Loan Application (Parent MUST sign in using their own FSA ID).
3. If approved, sign a Direct PLUS Loan Master Promissory Note.
4. 如果否认, you will be given detailed information on the options for qualifying by obtaining an endorser or appealing a credit decision, along with instructions on how to complete the required PLUS Counseling

For eligibility, loan limits, terms, and current rates/fees for the Parent PLUS loan, click 在这里.

Note: If you are denied a Parent PLUS loan, your student may be eligible for additional unsubsidized loan funding. Please have your student contact the 金融援助 Office for more information.

W在这里 can I find information about the federal student loans I have received?

登入 Federal Student Aid website and select "My Aid" to view information about all of the federal student loans, and other financial aid, 您已收到. You can also get the contact information for your loan servicer 在这里.

Private | Alternative Loan

Private or alternative student loans are loans for under研究生 and 研究生 students from private sources, such as a bank or financial institution, generally used to supplement Federal Direct 贷款.

• How to shop for a Private | Alternative loan – An 概述
• Rate: Varies from lender to lender. 固定和. 变量. Which is right for you?
• Fees: Depends upon the specific lender and loan program.
• Term: Typically between 5-15 years.
• Loan Limits: Cost of Attendance minus all other financial aid the student receives.
• 银行列表: 点击这里
• Private loan consolidation