贷款资源
学习 about the requirements of your federal loans and the steps you need to take to satisfy them.
直接主本票
的 MPN is a promissory note that can be used to make one or more loans for one or more academic years (up to 10 years). 的re are two types of MPNs in the Direct Loan Program: one for Direct Subsidized/Unsubsidized 贷款 and one for Direct PLUS 贷款.
的 联邦直接贷款计划 提供以下类型
贷款:
- 补贴: for students with demonstrated financial need, as determined by federal regulations. No interest is charged while a student is in school at least half-time, 在宽限期内, 在延期期间.
- 未受资助的: not based on financial need; interest is charged during all periods, even during the time a student is in school and during grace and deferment periods.
- 加: unsubsidized loans for the parents of dependent students and for graduate/professional students. PLUS loans help pay for education expenses up to the cost of attendance minus all other financial assistance. 在所有期间都要收取利息.
完成MPN的步骤
- 登录 studentaid.政府 /或然数
- 单击“登录”框. 你将被要求输入你的社会安全号码, 你姓的前两个字, 你的出生日期和密码.
- Once you have logged in, select Complete Master Promissory Note (MPN). Be sure to select the MPN you need for the type of loan you accepted.
入学咨询
入学咨询 is a federal requirement for all Direct 工作人员ord Loan recipients. 的 funds for your loan will not be disbursed until you have completed the counseling. 入学咨询 provides you with information about:
- 你作为借款人的权利和责任.
- Interest rates, expenses, repayment plans, and other important details about borrowing
- 有问题要联系谁
完成入学咨询的步骤:
- 登录 studentaid.政府 / entrance-counseling
- 单击“登录”框. 你将被要求输入你的社会安全号码, 你姓的前两个字, 你的出生日期和密码.
- Once you have logged in, select Complete 入学咨询. You will need about 30 minutes to complete the counseling session.
出口咨询
出口咨询 is a federal requirement for all Federal Direct 工作人员ord Loan recipients and Federal 珀金斯 Loan recipients. Exit counseling requirements were created to ensure that you understand your rights and responsibilities as a borrower. 在咨询期间, you will learn how to make payment of your loans easier and how to get help and protect your credit rating if you have problems.
完成退出咨询的步骤:
- Go to the National Student Loan Data System located at http://www.nslds.ed.gov/nslds_SA/
- 选择退出咨询
- 完成退出咨询的要求.
另类贷款计划
If your family is not eligible for need-based financial assistance or choose not to apply, 这些项目提供了可供选择的贷款资源. Students who are receiving financial aid can also utilize these programs to finance all or part of their calculated expected family contribution. Borrowers must be creditworthy to participate in these programs. Students who are not creditworthy by program guidelines, may still be eligible to participate IF they can find a creditworthy person to cosign their loan application.