贷款的选择

Federal Direct Loans are low-interest 贷款 (currently 2.75%). Subsidized Loans do not accrue interest while the student is enrolled. Repayment begins six months after the student leaves 学校或毕业生.

• Federal Subsidized Direct Loans are based on financial need. Interest does not accrue during periods of enrollment and grace periods.
• Federal Unsubsidized Direct Loans do not require financial need. Interest accrues during periods of enrollment and may be pre-paid with no penalty.

Federal Direct Loans are offered each year on your award letter. To complete the loan application 过程, 请 see instructions 在这里: 斯塔福德贷款说明

All borrowers who take a leave of absence, withdraw or graduate from 澳门水利博彩官方网站大学 must complete an Exit Interview. Exit Interviews may be completed online at 热门产品.政府.

The National Student Loan Data System (NSLDS) is a good place to view all Federal 贷款 that you have received. To view this Web site, you will need to have an FSA ID as described in the Part 1 of Applying 为 Financial 援助. To view your in为mation online, visit NSLDS.

The Parent PLUS loan is a federally guaranteed loan program available 为 parents of dependent undergraduate students to help pay their dependent undergraduate child's educational expenses. Repayment begins after disbursement, unless you select 否则. The fixed interest rate is 8.05%和4.228% in fees is deducted from the principle amount prior to disbursement. 父母必须 use their FSA ID to complete the 过程.

How to apply 为 a Federal Direct PLUS Loan 为 Parents
父母必须 apply 为 the loan. 一旦批准贷款, the parent also needs to complete a Master Promissory Note as their agreement to borrow the loan.

Note:  If parents are determined to be ineligible to borrow through the Federal Direct PLUS program, the student may be eligible 为 Unsubsidized Federal Direct Loan. 请联系 our office 为 further instructions. 

The PLUS loan 为 Graduate Students is a federally guaranteed loan program 为 students in a graduate-level degree program. Repayment begins after disbursement, unless you select 否则.  The fixed interest rate is 8.05%和4.228% in fees is deducted from the principle amount prior to disbursement. Graduate students must use their FSA ID to complete the 过程.

How to apply 为 a Graduate PLUS Loan
Graduate students should apply 为 a PLUS Loan at 热门产品.政府. 一旦批准贷款, the student also needs to complete a Master Promissory Note as their agreement to borrow the loan.

Some students find that they need additional funds to meet their costs while attending school. One option available to students would be an Alternative Student Loan. 另类贷款是 non-federal educational 贷款 available from a variety of national lending institutions. These 贷款 require that the borrower be credit worthy or have a credit worthy cosigner, as they go through a normal bank credit 过程. You can find more in为mation about Private or Alternative Loans by clicking 在这里: 申请私人贷款. Students may start the application 过程 为 these 贷款 在这里. Please note that these 贷款 take up to six weeks to 过程.