贷款
A loan is financial assistance that enables students and parents to borrow money from the federal 政府ernment or private 银行. 这些贷款必须偿还.
在接受学生贷款之前, all students (with an emphasis on Service Members) are offered the opportunity to meet with and be counseled by a qualified financial aid advisor who will provide a clear explanation of available financial aid, 包括所有联邦政府, 状态, 机构选择. 我们敦促学生通过电子邮件联系经济援助办公室 financialaid@lunchpenny.com 或致电864-941-8365预约贷款咨询. 经济援助顾问
在本页:
联邦直接贷款
直接贷款项目由美国联邦政府提供和管理.S. 教育部. 学生贷款借款不能超过就读费用, 您也不能超过直接贷款的年度和终身总额. 教育部在发放贷款时对每笔贷款收取一笔发起费. 提供给您的贷款类型是基于测试的结果 FAFSA.
联邦直接贷款适用于依赖和独立的学生. 发起费1.057%在付款时收取. All funds are received electronically and are posted to the student's billing account to pay PTC authorized tuition and fees. 需要完成联邦学生援助免费申请(FAFSA).
贷款信息披露
Students or parents of students who enter into an agreement regarding a Title IV federal student loan should be aware that the loan will be submitted to the 国家学生贷款数据系统 (NSLDS) and will be accessible by authorized agencies, 银行, 和机构.
联邦直接补贴贷款
联邦直接补贴贷款是根据需要发放的. You will not be charged any interest prior to repayment or during any authorized periods of deferment. 联邦政府支付贷款的利息，直到偿还时间.
资格
- 你必须有FAFSA确定的“需要”.
- 你必须在澳博app注册至少一半时间(6小时).
- 你必须保持令人满意的学业进步.
- 您不得超过年度或终身贷款限额.
联邦直接无补贴贷款
联邦直接无补贴贷款不是根据需要发放的. 你要对在校期间和延期期间的利息负责. Interest accruing during those periods may be paid or capitalized as agreed by the borrower and lender.
资格
- 你必须完成联邦学生援助免费申请(FAFSA)。.
- 你必须在澳博app注册至少一半时间(6小时).
- 你必须保持令人满意的学业进步.
- 您不得超过年度或终身贷款限额.
联邦本科生直接父母贷款(加)
联邦 直接家长贷款(PLUS) 是否适用于受抚养本科生的父母. 家长只能借款至就读费用(不包括任何其他经济援助). 发起费4英镑.228%在付款时收取. All funds are received electronically and are posted to the student's billing account to pay PTC authorized tuition and fees. 需要完成联邦学生援助免费申请(FAFSA).
PLUS贷款是家长的经济责任，而不是学生的.
资格和要求:
- 学生必须参加至少一半的时间(6小时)。.
- 学生必须达到满意的学业进度.
- Applicant must be the parent/step-parent of the student whose information is reported on the FAFSA. (监护人 & 祖父母不能申请.注:合格的继父母是指那些在FAFSA上报告过信息的人.
- 的 loan record will be sent for a credit check once the Federal Direct Parent PLUS Loan has been accepted and the PLUS Loan Application has been received and processed. 如果贷款被批准, the loan record is sent from 澳博app to the 教育部 for approval to disburse the loan funds and to the Direct Loan Servicer, 谁来检查本票的状态.
- Parent applicant must sign the electronic Parent PLUS Master Promissory Note (eMPN) online at www.studentaid.政府. Parent applicant must have a Federal Student Aid ID and Password to sign the Parent PLUS eMPN. This is the same ID and Password that is used to sign the 免费申请联邦学生援助(FAFSA). 一旦申请人可以查看他们的确认页面，签名过程就完成了.
- Parent applicants can apply for forbearance with their lender to defer payments for 12 month increments. 而父母申请人必须每12个月重新申请延期, 可以推迟付款，直到学生从大学毕业. 如欲申请宽免，申请人应联络直接贷款服务.
应用:
- 完整的家长贷款申请和主本票位于 www.studentaid.政府. 家长将使用家长的FAFSA ID(用户名和密码)登录。.
- Complete PTC Parent Plus Federal Direct Loan Request and submit the request form to the 金融援助 Office. 找到请求表单 在这里.
选择贷款
Alternative (private) loans are administered and processed by private lending institutions to be used for educational costs. 替代性贷款不属于联邦学生贷款项目, and should be used for circumstances w在这里 you have exhausted all other options in regards to financing your education.
我们强烈建议你申请经济援助使用 免费申请联邦学生援助(FAFSA) 在使用此申请寻求替代贷款选项之前. 你可能有资格获得联邦直接贷款. Benefits of the Direct loan over an Alternative loan may include lower interest rates and greater repayment options.
您可以自由选择任何贷款人进行另类贷款. 的 choice of a lender is entirely yours and must be made before your loan(s) will be funded. 然而, borrowing an Alternative (private) loan is based on credit checks and should only be done after reviewing all of your funding options and contacting different 银行 for the best terms. 在过去的五年里, 澳博app students borrowed Private (Alternative) 贷款 through the following 银行:
银行 | 网站 |
|---|---|
SC学生贷款公司(PAL) | |
KHESLC | |
学生贷款营销协会(Sallie Mae) |
请注意，每个贷款机构的利率和还款条件是不同的
选择贷款人时要考虑的要点
- 利率 – It may be capitalized more often increasing the amount of money you ultimately owe. 考虑使用共同签名者. 你可能有资格享受稍微低一点的利率.
- 费用 – 的 interest rates and fees that you pay are based on your credit score and the credit score of your cosigner if you choose to use a cosigner.
- 借款人利益-这些因贷款人而异.
- 还款条款——一些贷款人要求你在上学期间还款. 另一些则会推迟到毕业后再付款.
- 资格要求-检查贷款的要求.
新法律于2010年2月14日生效
这是2009年贷款真相法案(TILA)的结果, borrowers will be required to submit a Private Education Loan Applicant Self-Certification to their lender before funds can be disbursed. 当您申请私人替代贷款时，您的贷方将向您提供此表格.
请记住，由于这些新的要求, 您的私人替代贷款的支付可能会延迟根据这一新法律的要求.
利率
Interest rates for 直接贷款 first disbursed on or after July 1, 2022, and before July 1, 2023.
贷款类型 | 利率 |
|---|---|
本科生无补贴直接贷款 | 4.99% |
本科生资助直接贷款 | 4.99% |
利率:
直接PLUS贷款的固定利率为6.28%.
还款,整合 & 延期
联邦直接偿还学生贷款
还款:
- 是否可以推迟到学生入学时间低于半学期或毕业.
- 标准还款期限最长可达10年.
直接贷款借款人服务机构:
参观 直接贷款服务 网站，你可以:
- 网上支付
- 查看帐户结余
- 更改计费选项
- 登记使用电子服务...还有更多
的 国家学生贷款数据系统 记录你的联邦学生贷款历史、支付金额、日期和贷款人). 应该检查这些数据，就像检查所有信用记录一样，检查是否有更新和错误.
的 贷款模拟器 provided by the Department of Ed will help to give you a good idea of income needed and discretionary income available at different debt levels.
联邦学生贷款合并
贷款合并是将两个或多个学生贷款合并为一个贷款的结果. 联邦学生贷款合并将特定的学生贷款合并为单个贷款.
只要是同一个人借的, 任何和所有下列贷款可以包括在联邦合并贷款.
- FFELP贷款
- 直接贷款
- 帕金斯贷款*
- 联邦保险学生贷款(FISL)*
- 医疗专业学生贷款*
- 经济困难学生贷款*
- 健康教育援助贷款*
- 护理学生贷款*
*的se loans are not offered at 澳博app but may have been obtained at another institution.
“替代”或“外部”贷款不能合并为联邦合并. 自2006年7月1日起，不再提供共同配偶合并.
You may also consolidate an existing consolidation loan if at least one other FFELP or Direct loan is included into the existing consolidation.
You may consolidate your loans while in the repayment grace period (after you withdraw from school, 低于一半或毕业生), 在还款或延期期间. You may not consolidate your loans while you are in school and have not entered into the grace period. It is recommended that you begin your consolidation application at least one month before you wish the consolidation to take effect.
有关贷款合并的详细说明，请访问 http://studentaid.gov/manage-loans/consolidation
贷款限制 & 贷款咨询
直接贷款限额
Annual and lifetime (total debt) limits for subsidized and unsubsidized student loans are mandated by the U.S. 教育部. 的 amounts include the outstanding principal balance on the loan(s) and not interest or other charges incurred.
自费本科生 | ||
|---|---|---|
补贴贷款 | 其他未受资助的 | |
大一新生 | $3,500 | $2,000 |
二年级学生 | $4,500 | $2,000 |
最高总债务 | $31,000($23,000可获资助) | |
独立本科生 | ||
|---|---|---|
补贴贷款 | 其他未受资助的 | |
大一新生 | $3,500 | $6,000 |
二年级学生 | $4,500 | $6,000 |
最高总债务 | $57,500($23,000可获资助) | |
All “最高总债务” amounts (lifetime limits) include both DIRECT and FFELP subsidized and unsubsidized loans.
直接贷款咨询
入学咨询:
首次借贷者必须填写一份 入学贷款咨询 会话.
的 entrance counseling requirement for the Federal Direct Loan program needs to be completed just once while in attendance at 澳博app; t在这里fore, 在接下来的几年里借钱的学生不需要重复入学咨询的要求.
If you have previously completed entrance loan counseling for a Federal Stafford Loan received at PTC, 在直接贷款计划中，您不需要再次填写. 只有PTC的新借款人才需要完成入学咨询.
学生贷款退出辅导:
如果你获得了联邦学生贷款, 你需要在毕业前完成退出咨询. 的 purpose of exit counseling is to ensure you understand your student loan obligations and are prepared for repayment. 当你离开学校时，你需要完成离校咨询, 即使您打算稍后重新启动另一个程序. 完成退出咨询不会影响你未来的贷款或经济援助资格, 因为这只是一个信息会议.