联邦 Direct Subsidized and Unsubsidized Loan
本科 and Bachelor’s Plus students may be eligible for both 联邦 Direct Subsidized and Unsubsidized Loans. Subsidized means that the federal 政府ernment pays the interest while the student is enrolled at least half-time; this loan is need-based only. Interest accrues on Unsubsidized Loans while the student is in school and the interest can be paid any time before graduation or added to the principal after graduation or withdrawal. To find information on paying your interest while in school, contact your loan servicer.
Degree-seeking 研究生 students may be eligible for the 联邦 Direct Unsubsidized Loan. The student is responsible for the interest while in school; interest can be paid quarterly while enrolled or capitalized and added to the loan principal after the borrower ceases to be enrolled at least half time.
Note: Teacher Certification Students are not eligible for federal financial aid. Private Education Alternative Loans can be used to cover these costs.
年贷款金额
- 依赖 本科 and Bachelor’s Plus Students: up to $7,500
- Independent 本科 and Bachelor’s Plus Students: up to $12,500
- 研究生 Students: up to $20,500
总限制
- 依赖 本科 students (except those whose parents are unable to obtain a PLUS Loan): up to $31,000; No more than $23,000 may be in subsidized loans
- Independent 本科 students (and dependent students whose parents are unable to obtain a PLUS Loan): up to 57,500; No more than $23,000 may be in subsidized loans
- 研究生 and professional degree students: up to $138,500 (including debt borrowed as an undergraduate)
利率
| 借阅日期 | 研究生 Subsidized Rate | 研究生 Unsubsidized Rate | 本科/ Bachelor's Plus Subsidized Rate | 本科/ Bachelor's Plus Unsubsidized Rate |
|---|---|---|---|---|
| 2021-2022 | n/a | 5.28% | 3.73% | 3.73% |
| 2020-2021 | n/a | 4.30% | 2.75% | 2.75% |
| 2019-2020 | n/a | 6.079% | 4.529% | 4.529% |
| 2018-2019 | n/a | 6.60% | 5.05% | 5.05% |
| 2017-2018 | n/a | 6.00% | 4.45% | 4.45% |
联邦 Direct Loan interest rates are 固定. 联邦 Direct Loan interest rates will be recalculated annually, 7月1日生效, based on the 10-year Treasury Note Index plus 2.05%, capped at 8.25%.
贷款费用: Reduce loan proceeds by 1.057 percent to determine the amount that will credit to your account (i.e. if a loan is $5,000, the amount credited is $4,947).
还款: Begins six months after the student ceases to be enrolled at least half time; several repayment options are available; the standard plan provides up to 10 years for repayment. Further information regarding repayment options, 贷款延期, and loan forgiveness programs is available at studentaid.政府.
联邦 Direct 研究生 Plus Loan
- 贷款金额: Up to the cost of education minus any other financial aid.
- 利率: 利息固定为6英镑.28 percent for loans first disbursed on 或之后 10/1/21 (determined annually based on the 10-year Treasury Note Index plus 2.05%, capped at 10.5%.
- 贷款费用: Reduce loan proceeds by 4.228 percent to determine the amount that will credit to the student's account (i.e. if the loan is $10,000, the amount credited is $9,576).
- 批准: A credit check is completed by the federal 政府ernment when a graduate student completes a PLUS Loan Request at studentaid.政府. The student will see the credit check results immediately and, 如果得到批准, the loan will be added to the financial aid offer letter.
- 还款: Can be deferred while the student is enrolled at least half the time. Interest will accrue and may be paid while in school or added to the principal when the student is no longer enrolled.
联邦 Direct Parent Plus Loan
(适用于 依赖 本科 or Bachelor’s Plus students only)
- 贷款金额: Up to the cost of education minus any other financial aid.
- 利率: 利息固定为6英镑.28 percent for loans first disbursed on 或之后 10/1/21 (determined annually based on the 10-year Treasury Note Index plus 2.05%, capped at 10.5%).
- 贷款费用: Reduce loan proceeds by 4.228 percent to determine the amount that will credit to the student's account (i.e. if a loan is $10,000, the amount credited is $9,576).
- 批准: A credit check is completed by the federal 政府ernment when a parent submits the Paren PLUS Loan Request at studentaid.政府. The parent will see the credit decision immediately. 如果贷款被拒绝, the dependent student will be awarded an additional 联邦 Direct Unsubsidized Loan of up to $5,000(金额不同).
还款: Begins two months after the loan is fully disbursed. 然而, please note that payments on 联邦 Parent PLUS Loans disbursed July 1, 2008, 或之后, may be deferred upon request to the loan servicer while the student is enrolled at least half time. Interest will accrue and may be paid or added to the principal when the child is no longer enrolled.