联邦贷款
If you have exhausted all federal and 状态 aid opportunities, 包括助学金及奖学金, and have looked into assistance you can get through your local campus, federal loans might be a good way to fill in any gaps.
Federal loans are a means of paying for college and can be awarded regardless of financial need. They will need to be paid back and have certain eligibility requirements. 由于最近的立法, 七月一日以后, 2010, all students must borrow Stafford Loans through the Federal Direct Loan Program.
To qualify for any form of financial aid, including federal loans, the first step is filing a 免费申请联邦学生援助(FAFSA).
A Direct Stafford Student Loan is a low-interest loan authorized by the federal 政府ernment to assist in paying for your college costs. 你必须是一个完全被录取的学生, 使用选定的技术, 取得令人满意的学业进步, enrolled in at least 6 credits and attending all classes.
Entrance counseling is required for first-time Federal Direct Stafford loan borrowers prior to loan certification and disbursement. Exit counseling is required once you are no longer currently enrolled, 入学时间不到一半, 即将毕业, 或者已经毕业了. Entrance and Exit Counseling can be satisfied by going to the following website: studentaid.政府.
There are two types of Federal Direct Stafford Loans:
联邦直接补贴斯塔福德贷款
补贴斯塔福德贷款是基于需要, and the federal 政府ernment pays the interest while you are enrolled at least half-time.
联邦直接无补贴斯塔福德贷款
无补贴的斯塔福德贷款不是基于需求的, and the student borrower is responsible for interest that accrues on unsubsidized Stafford Loans while you are attending school. Any unpaid interest will be capitalized (added to the principal balance) when repayment begins. Therefore, you will then pay interest on a higher amount.
支付本金本身, 补贴贷款和无补贴贷款, does not begin until six months after graduation, provided the student remains enrolled on at least a half-time (6 credits) basis. 还款期为十年.
| 一年 | Dependent Undergraduate Student (except students whose parents are unable to obtain PLUS Loans) | Independent Undergraduate Student (and dependent students whose parents are unable to obtain PLUS Loans) | 研究生和专业学位学生 |
|---|---|---|---|
| 第一年 | $5,500—No more than $3,500 of this amount may be in subsidized loans. | $9,500—No more than $3,500 of this amount may be in subsidized loans. | $20,500—No more than $8,500 of this amount may be in subsidized loans. |
| 第二年 | $6,500—No more than $4,500 of this amount may be in subsidized loans. | $10,500—No more than $4,500 of this amount may be in subsidized loans. | |
| 第三级及以上(每年) | $7,500—No more than $5,500 of this amount may be in subsidized loans. | $12,500—No more than $5,500 of this amount may be in subsidized loans. | |
| Maximum Total Debt from Stafford Loans when you graduate (aggregate loan limits) | $31,000—No more than $23,000 of this amount may be in subsidized loans. | $57,500—No more than $23,000 of this amount may be in subsidized loans. | $138,500—No more than $65,500 of this amount may be in subsidized loans. The graduate debt limit includes Stafford Loans received for undergraduate study. |
Steps to applying for a Federal Direct Stafford Loan
步骤1. 登录你的 学生门户 然后点击学生信息系统. 点击资助. Select the aid year in the drop-down box beside Award 一年. Click Award Offer and scroll to bottom of p年龄 until you see the box labeled Loans.
请, allow three business days for the loan to be processed and then you can complete each relevant step below.
The remaining steps are to be completed through the Federal Direct Stafford Loan website: studentaid.政府.
步骤2. 登录到 studentaid.政府 使用您的FSA ID用户名和密码.
步骤3. Complete a Federal Direct Stafford Loan Entrance Counseling session.
步骤4. Complete the Federal Direct Stafford Loan Master Promissory Note.
To qualify for either the Subsidized or Unsubsidized Stafford Loan, you must be:
- A fully accepted student, 使用选定的技术
- 取得令人满意的学业进步
- Be enrolled in at least 6 credits and attending all classes
其他要求:
- 为首次借贷者提供入学咨询
- Exit counseling once you are no longer currently enrolled, 入学时间不到一半, 即将毕业, 或者已经毕业了.
- Entrance and Exit Counseling can be satisfied by going to studentaid.政府.
利率:
The applicable interest rate on Direct Loans disbursed between July 1, 2022年至6月30日, 2023年固定在4.补贴贷款99%，4.无补贴贷款占99%，7.54%为Plus贷款. The Direct Loan origination fee effective October 1, 2020 until September 30, 2023 will be 1.057% for subsidized and unsubsidized loans and 4.228%的附加贷款.
- In response to the COVID-19 emergency relief period, the interest rate on all Direct Loans has been temporarily set at 0%. Once the COVID-19 emergency relief period ends, the rates previously described will be in effect.