贷款
贷款 are a type of financial assistance that allows students and parents to borrow funds that must be repaid in order to contribute towards the student’s educational costs.
提供贷款
联邦直接斯塔福德贷款 (FAFSA需要) typically pay to the student’s account early in the semester after they are accepted and all financial requirements have been completed.
但是，例外情况可能适用，如下所述. Students accepting the loan for one semester only (ex: fall only) will receive funds in 两次支付. The initial disbursement will credit early in the semester if the process was completed in a timely manner. The second disbursement will credit at the midpoint of the semester. The Office of Student Accounts is aware of the regulation and will work with students in this situation.
第一次获得资助的学生, first-year borrower (freshmen in the first semester) will receive a disbursement of funds 上课后30天. This federal regulation applies only to the initial semester. The Office of Student Accounts is aware of the regulation and will work with students in this situation. Students accepting this loan will be borrowing through the federal 政府ernment and must complete the processes listed below.
Repayment of the loan(s) start(s) six months after ceasing to be enrolled at least half time which is six (6) credit hours for undergraduates and five (5) credit hours for graduate students. 如果你在还款到期时无法偿还贷款, you need to contact the Department of Education’s assigned loan servicer(s) to ask about alternative repayment or deferment options. There are numerous options to avoid defaulting on the loan(s). Do not allow the loan(s) to default, because it will affect your credit! 您可以通过访问确定指定的贷款服务机构 http://studentaid.Administration.
Undergraduate students may be eligible for the need-based subsidized Direct Loan or the non-need-based unsubsidized Direct Loan. “Subsidized” means the 政府ernment is paying the interest while the student is enrolled at least half time. “Unsubsidized” means that the student has the option of paying the interest or allowing it to accrue with the principal. Eligibility is based on the results of the FAFSA, cost of attendance, need and class level.
联邦直接父母贷款 (FAFSA需要)
父母 of dependent students may borrow up to the cost of attendance minus any financial aid that the student receives. 父母 begin repayment within 60 days of the final disbursement unless the lender grants deferment. 这笔贷款不会自动发放. To apply for the loan, a parent may go online to complete the application at http://studentaid.Administration. Applications for the upcoming fall/spring semesters will be available June 1st. The loan will not be processed through the federal 政府ernment until mid-July. The application must be completed and approved for certification. 如果贷款没有被批准但被拒绝, the dependent student may contact the 学生援助 Office to request additional funds through the Unsubsidized Direct Loan Program.
联邦直接毕业生贷款 (FAFSA需要)
Graduate students may borrow up to the cost of attendance minus any other financial aid awarded. To apply for the loan, a graduate student may go online to complete the application at http://studentaid.Administration. Applications for the upcoming fall/spring semesters will be available June 1st. The loan will not be processed through the federal 政府ernment until mid-July. The application must be completed and approved for certification.
其他直接贷款资料
If you have not previously borrowed a Direct Loan while at the 澳门在线赌城娱乐 and completed the Entrance Counseling and signed the Master Promissory Note (MPN) with the U.S. Department of Education within the past 10 years, you must also follow these processes below.
替代/私人贷款 (不需要FAFSA)
Students may borrow non-federal loans to help with college expenses. These non-federal loans are called alternative or private loans, and they may be combined with other aid as long as the total aid does not exceed the student’s cost of attendance as determined by the University. 许多贷款机构提供替代贷款, and students are encouraged to research the student loan market for options. Make certain to tell the lender that the 澳门在线赌城娱乐 processes alternative loans electronically through ElmResources. 澳门在线赌城娱乐不能推荐贷款人. 这是学生的选择. This guide is designed to help you through the alternative loan process.
- 这项贷款不需要FAFSA, but students are encouraged to file the FAFSA to apply for low-interest federal student loans first. There is also the possibility of receiving grants such as the Pell Grant ranging from hundreds to thousands of dollars or other federal grants ranging in amounts as well.
- Investigate alternative loan programs by checking with various lenders. Evaluate the program on the following features: citizenship requirements, 注册状态, 学业进度要求, 担保人的要求, 最低/最高(年/累计)费用, 利率, 偿还条款, 福利及其他选择.
- Select an alternative loan program and apply directly with the lender. Advise the lender to process electronically with the 澳门在线赌城娱乐 through ELMResources.
Federal regulations require the student to request a Self-Certification Form from the 学生援助 Office before the lender can process the loan. 因此, it is recommended that students contact the 学生援助 Office immediately upon completion of an approved alternative loan application to have the Self-Certification Form completed. The student has the responsibility of mailing the form to the lender of choice.