Loans Are Money Students Or Parents May Borrow To Assist In Paying For College Costs.
联邦贷款
The Federal 金融援助 program is the largest lender of student loans. 也可以考虑私人/替代贷款机构. Student loan repayment usually begins after education is finished. 把贷款看作是对未来的投资是有帮助的.
联邦无补贴斯塔福德贷款s are are non credit based federal loans available to degree-seeking graduate students enrolled at least half-time.
Half-time is defined as 3 credit hours per semester for graduate and doctoral students. The Unsubsidized Stafford Loan is borrowed directly from the U.S. 作为William D. 福特直接贷款计划.
常见问题
What is the interest rate for the 联邦无补贴斯塔福德贷款?
The interest rate for the 2024-2025 Unsubsidized Stafford Loan is fixed at 6.53%的贷款期限. Interest on Unsubsidized Stafford Loans 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, the interest will be added to the principal amount of the loan, 额外的利息将基于更高的金额.
贷款有什么费用吗?
Yes, 联邦无补贴斯塔福德贷款s carry an origination fee, currently the fee is 1.057%. The origination fee is deducted from the loan amount prior to its disbursal to the university.
What is the federal maximum amount a graduate student can borrow each year?
The federal maximum graduate students can borrow each academic year is $20,500. 然而, the total loan amount students can borrow could be limited by the costs of their program. 药学专业的学生每学年最多可以借33,000美元.
学生什么时候偿还这些贷款?
学生毕业后, 离开学校, 或者降至半日入学率以下, they will have six months before they must begin repayment of their loans. 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.
取决于 他们的学术项目费用, graduate or doctoral students may need additional loan funds beyond the 联邦无补贴斯塔福德贷款.
For these students, the 联邦毕业生PLUS贷款 may be an available option.
In order to be eligible for a 联邦毕业生PLUS贷款, students must complete and submit the 免费申请联邦学生援助(FAFSA) 他们每年的项目. A Graduate PLUS loan borrower must not have an adverse credit history, 哪个是由信用检查决定的. 如有必要,学生可以获得背书人. Students may borrow up to the 出勤费用 for the period of enrollment, minus other estimated financial assistance such as a Stafford Loan.
常见问题
联邦毕业生PLUS贷款的利率是多少?
The interest rate for the 2024 – 2025 Grad PLUS Loan is fixed at 9.083%
有什么费用吗??
是的,毕业生PLUS贷款需要支付4英镑的申请费.228%. The origination fee is deducted from the loan amount prior to its disbursal to the university.
When should I apply for the Grad Plus Loan for the 2024/2025 academic year?
You can apply for the Grad Plus Loan any time after May 1st, 2024.
学生什么时候开始偿还研究生加分贷款?
Payment is deferred as long as the student is enrolled at least half-time. 类似于无补贴的斯塔福德贷款, the Graduate PLUS Loan does accrue interest while the loan is in deferment. 利息可以支付,也可以资本化. Repayment begins immediately upon graduation or less than half-time enrollment. Unlike the Federal Stafford Loan, Graduate PLUS Loans do not have a grace period. 然而, students are eligible for a six month post-enrollment deferment after the student drops below half-time.
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 十大正规博彩网站评级博彩平台推荐大学 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, 不管全球最大的博彩平台是否对贷款进行了认证. 相反, the amount 十大正规博彩网站评级博彩平台推荐大学 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 interest rates on private loans are typically based on the current prime/LIBOR rates and are variable. Often the lender will base the interest rate 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