贷款

联邦贷款选择

• 联邦直接补贴/无补贴贷款

  联邦直接补贴/无补贴贷款 大学生使用最广泛的贷款是什么. 如果你提交联邦学生资助免费申请(FAFSA), you'll have at least one of these loans offered as a part of their financial aid package.

  资格:

  These loans are available to every student in a degree-seeking program who submitted a valid FAFSA. 补贴贷款提供给被认为有经济需要的学生, 而所有学生都可以获得无补贴贷款.

  最高贷款金额:

  	Class	最大总	最高补贴
  依赖学生:	1 st-year学生	$5,500	$3,500
  	2 nd-year学生	$6,500	$4,500
  	三年级和四年级学生	$7,500	$5,500
  独立的学生:	1 st-year学生	$9,500	$3,500
  	2 nd-year学生	$10,500	$4,500
  	三年级和四年级学生	$12,500	$5,500

   视频:联邦直接学生贷款限额

   
  利率:

  • 2023-24学年的贷款: 5.50%
  • 2022-23学年的贷款: 4.99%
  • 2021-22学年贷款: 3.73%
  • 2020-21学年贷款: 2.75%

  
  这些利率在贷款期间是固定的.

  为 补贴 贷款，美国.S. Department of Education pays the interest while you're enrolled at least half time (six credits or more). 利息产生于 未受资助的 在校期间和毕业后的贷款 这两个 你离开学校后的贷款类型. 如果你愿意，你可以随时支付利息. 如果没有支付，利息将在还款开始时资本化.

  融资费用: 

  A loan origination fee is deducted at disbursement of each installment of the loan. 10月10日或之后首次发放的贷款. 2020年10月1日及之前. 2023年1月1日，费用为 1.057%.

  获得贷款的条件:

  You must complete 这两个 a Master Promissory Note 和 Entrance Counseling online at Student援助.政府 并保持至少一半的注册时间(六个学分或以上).

  还款:

  在学校期间，你不需要支付任何费用. 还款 begins six months after you graduate, withdraw or drop below half-time enrollment. 付款是给你的 直接贷款服务商 每个月. 最低还款额是50美元, 但根据借款总额的不同，这个数字可能会更高.

  The st和ard repayment period is 10 years but can be as long as 25 years depending on total borrowing 和 chosen repayment plan.

   

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• 联邦直接父母加贷款

  本科生联邦直系父母贷款(家长PLUS贷款) is a credit-based loan available to parents of dependent undergraduate students. 这笔贷款不会包含在学生的经济援助中. 家长必须通过以下途径另行申请此项贷款 Student援助.政府 和 may borrow up to the student's total 出勤费用，减去所有其他经济资助.

  视频播放列表:家长PLUS贷款概述

  

   
  资格: 

  The 家长PLUS贷款 is available to credit-worthy parents of dependent undergraduate students who have submitted a FAFSA, 无论经济需要如何. 要获得批准，父母必须没有不良信用记录.

  导致不良信用记录的条件包括:

  • 总余额大于2美元的一笔或多笔债务,085 that are 90 or more days delinquent or that have been placed in collection or charged-off (written off) during the two years preceding the date of the credit report.
  • Having been subject to any of the following conditions during the five years preceding the date of the credit report:
    • • 默认的决心
      • 在破产中清偿债务
      • 丧失抵押品赎回权
      • 收回
      • 税收留置权
      • 扣发工资
      • 注销一笔联邦学生援助债务

  
  Students are considered to be independent if they are: at least 24 years old; married; have children; a graduate student; a veteran; a member of the armed forces; an orphan, 法庭监护, 或无家可归. If none of those apply, they are considered to be dependent for federal student aid purposes.

  拒绝时的选项: 

  如果你因为信用不良而被拒绝了父母贷款，你可以...

  • 与信誉良好的担保人重新申请.
  • Appeal the denial with the Department of Education if there are extenuating circumstances related to your credit history that you can document.
  • 联系 us--your student may be eligible for an additional Federal Direct Un补贴 loan.

  
  最高贷款金额: 

  到你的总数为止 出勤费用，减去所有其他经济资助.

  利率: 

  家长PLUS贷款s offer interest rates that remain fixed for the life of the loan.

  • 2023-24学年的贷款: 8.05%
  • 2022-23学年的贷款: 7.54%
  • 2021-22学年贷款: 6.28%
  • 2020-21学年贷款: 5.30%

  
  Interest accrues while the student is in school, during any grace period, 和 during repayment. 如果你愿意，你可以随时支付利息. 如果没有支付，利息将在还款开始时资本化.

  融资费用: 

  A loan origination fee is deducted at the disbursement of each installment of the loan. 对于在10月10日或之后首次付款的贷款. 2020年10月1日及之前. 2023年1月1日，费用为 4.228%.

  如何申请: 

  你必须签到 Student援助.政府 using your own FSA ID, request a PLUS loan, 和 complete a Master Promissory Note (MPN).

  一旦您开始贷款申请流程，将进行信用检查. If you were initially denied the 家长PLUS贷款 but have since qualified by obtaining an endorser or documenting extenuating circumstances, 您还需要完成PLUS咨询. 这可以通过 Student援助.政府 也.

  一旦你被批准, the Department of Education will send us confirmation of your loan approval 和 the details of the requested amount. 这笔贷款将在处理后添加到学生的经济援助奖励中.

  还款: 

  还款在最后一次支付贷款后60天开始. 然而, repayment can be deferred while the student is enrolled at least half-time 和 for an additional six-month grace period after the student graduates. 付款是给你的 直接贷款服务商 每个月. 最低还款额是50美元, 但根据借款总额的不同，这个数字可能会更高.

  The st和ard repayment period is 10 years but can be as long as 25 years depending on total borrowing 和 chosen repayment plan.

   

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私人教育贷款

Many financial institutions offer private student loans, sometimes called alternative loans. These 项目 may offer interest rates 和 terms that are competitive with those of federal loans. 然而, federal student loans are legally required to provide a range of repayment options, 包括以收入为基础的还款计划和贷款减免福利. 私人贷款则不需要提供这种灵活性. Since Federal Direct loans are available to all students 无论经济需要如何, 它们通常是更可取的融资选择. 了解更多yzcca88游戏登录网址 联邦贷款与私人贷款.

• 详细信息和历史贷款人名单

  Interest rates, origination fees, 和 repayment information all vary widely from lender to lender. 如果你申请私人教育贷款, 你需要直接通过你选择的贷款机构申请. 尽早申请，因为处理过程可能需要几周时间. 作为申请过程的一部分，您将被要求完成 私人教育贷款申请人自我证明表格，可通过各贷款机构的网站获得. 填写此表格所需的信息, 比如出勤费用, 可以从你的经济援助offer或通过 MyDU.

  资格: Private education loans are available to all credit-worthy students (no FAFSA needed). 私人贷款的资格因贷款人而异, 但通常需要信用检查和/或债务收入比. 可能还需要一个共同借款人.

  最高贷款金额: 不超过你的总费用，减去所有其他经济援助.

  历史银行: We maintain a historical list of institutions that have provided loans to DU borrowers. Lenders included on this list have issued loans to at least five unique DU borrowers within the last five years. 您可以通过以下方式查看此列表 ELMSelect, which allows you to compare lenders by interest rate 和 repayment benefits.

  我们将证明所有贷款人的贷款请求, 包括那些没有出现在我们的私人贷款机构名单上的. 贷款将首先支付你的费用. 如果你借的金额超过了你的账单，银行就会给你贷款 财务主管的办公室 会退还差价给您吗.

历史贷款人名单