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贷款

投资你的未来

作为一名学生，贷款是帮助你支付学位费用的一种选择.

财政援助贷款:贷款类型

经济援助可以包括各种贷款项目. 有几种类型的学生贷款:联邦，州和私人. Unlike scholarships and grants, a loan is borrowed money that must be paid back with interest. If you decide to take out a loan, make sure you understand the terms and conditions.

联邦贷款 私人教育贷款

联邦学生贷款

贷款 made by the Federal Government usually offer borrowers lower interest rates and have more flexible repayment options. 如果学生想申请教育部提供的贷款, they must be enrolled in at least six credit hours that count towards a degree program, 完整的入学辅导, 并就适当的贷款类型签署主本票(MPN) studentaid.政府 为了使这种类型的资金支付到他们的学生账户.

请注意: If an individual completes entrance counseling and an MPN on a student’s behalf or if a student completes the wrong entrance counseling or MPN, 贷款处理可能会延迟. 另外, parents of dependent students have the option of applying for a 家长。 Plus loan to assist their student with educational expenses.

下载 联邦学生贷款对照表 看看联邦贷款有何不同.

Federal Direct 贷款 are available to undergraduate and graduate students as well as parents of dependent undergraduate students.

直接补贴贷款和非补贴贷款

直系家长PLUS贷款

家长PLUS贷款 are unsubsidized federal loans that can be used to assist with educational expenses for dependent undergraduate students who are enrolled at least half time.

2021年秋季开始, the 家长。 PLUS loan will not be auto-awarded to dependent undergraduate students. If you were required to list parent information on your FAFSA and are in need of additional financial assistance, 请与您的父母讨论，如果他或她想申请这笔贷款. 申请表格可由家长在 联邦学生援助PLUS贷款网站. 家长(借款人)将开始申请, providing their information first and entering their student’s information later in the process. 一次提交, the application decision will be automatically sent to our office within 2-3 business days. Updates to your award package will occur in myLEO once an application has been received and processed. 这笔贷款的附加要求包括a 家长+ MPN 获批准的申请，及 加上信用咨询 经背书人或信用上诉批准的申请. 作为家长, if you have chosen the endorser or appeal option and choose not to pursue an endorser or the appeal option, 你需要联系 (电子邮件保护) to indicate the change in your decision before accounts can be updated and funds disbursed.

Loan funds are disbursed to the student’s account and applied to pay outstanding charges as needed. 家长可以选择退款直接发给学生. 否则，退款将归家长借款人所有. 请直接向财政援助和奖学金办公室咨询 (电子邮件保护).

私人教育贷款

A private student loan is a nonfederal loan issued by a lender, such as a bank or credit union. 私人贷款必须连本带利偿还. Private loan applications are completed with the lender and usually require a credit check. It is recommended that students and parents exhaust all federal student loan options before considering a private loan.

A&移动商务没有与任何私人贷款机构签订合同协议. As such, there are no preferred private lender lists, contracts or endorsements of private loans.

  • 利率, origination and repayment fees for this type of loan program are based on the creditworthiness of the borrower and/or co-borrower.
  • 你可以借到A的学费&移动商务, 包括学费, 强制性的费用, 食宿, 书籍及用品, 甚至是交通运输, 收到的其他援助减少.
  • 本科生通常需要与信誉良好的共同借款人一起申请. 研究生 students may obtain better rates by applying with a credit-worthy co-borrower.
  • 利率 will vary on a monthly or quarterly basis and may not have a maximum rate. 降低借贷成本, 考虑支付在校利息或利息加本金.
  • 还款一般在全额支付后立即开始. Some lenders may defer (postpone) repayment during periods of at least half-time enrollment and economic hardship. 但是，利息将从贷款发放之日起产生. 还款和延期的规则因贷方而异. 向你的贷款人咨询更多信息.

选择私人贷款

ELM学生选择

不需要使用ELM Select上列出的贷方. A&移动商务将处理学生选择的任何符合条件的贷款人的贷款. A&移动商务 may not deny or otherwise impede the borrower’s choice of a lender or cause unnecessary delay in loan certification for borrowers who choose a lender not listed on ELM Select.

选择私人贷款机构时应考虑的问题:

  • 利率是多少? 它是固定的还是可变的?
  • 什么费用必须支付，什么时候到期?
  • 还款条件是什么? 有宽限期吗? 有延期或延期的选择吗?
  • 我的月供是多少?
  • 我需要被学位或证书课程录取吗?
  • 我需要注册至少一半的时间吗?
  • If there a Satisfactory Academic Progress requirement do I meet the requirement?
  • 贷款是否适用于过去的入学期? If so, within what timeframe must students apply if they are still enrolled at A&移动商务? Within what timeframe must students apply if they have withdrawn or graduated from A&移动商务?

The Office of 金融援助 and 奖学金 is happy to assist with your private education loan processes. Please be aware that school certifications of private education loans are not automatically completed by our office. 认证要求必须由学生本人提出. 申请不能在多个奖励年度内完成. We want to make sure you are aware of the various federal and state financial aid programs before pursuing a private education loan.

You should contact our office when there is an approved private education loan that is pending school certification or if you have questions regarding a private education/alternative loan. 请将您的询价或通知发送至 (电子邮件保护). 有几点需要记住:

  • 如果你还没有申请联邦和州财政援助, 我们鼓励你完成FAFSA/TASFA.
  • 一旦FAFSA/TASFA被A收到&移动商务 and all necessary requirements are met, you may be awarded financial aid. We advise you to delay the application of a private education loan until you review your financial aid package.

借款人责任

在认证和支付任何私人教育贷款之前, 您将收到一封电子邮件，通知您认证已完成. 该电子邮件包含到自我认证表单的皇冠体育365. 此表格是必需的，一旦填好，必须寄给你的贷款人.

  1. 的说明 自我认证形式,.
    为了完成表格的第2部分，你需要访问你的A&移动商务 cost of attendance and your estimated financial aid by following these instructions:
  2. 登录你的myLEO账户. 选择“学生资源”选项卡. 选择“你的经济援助”.从右上方的菜单中选择正确的奖励/援助年度. Select the “Award Offer” tab and scroll down to the third section with the header “成本 of Attendance.”
  3. Enter the total at the end of your “成本 of Attendance” (COA) breakdown on Section 2, Item A of the form (Example: a fall-only private loan would require you to provide the sum of the amounts for that term in each category).
  4. 在“出勤费用”部分下面, 把经济援助奖励加起来(“支付大学学费的助学金和奖学金”), “工作”, “贷款”, and “Other Resources”) you have received for the term of application and enter the total amount as your estimated financial assistance on Section 2, Item B of the form (Example: a fall-only private loan would require you to provide the fall-only term total amount). If you have applied for financial aid but have yet to receive awards, report $0. 请皇冠体育365 (电子邮件保护).
  5. 用表格上的公式完成第二部分C项.
  6. 完成第3条和第4条并提交给贷款人. 不将此表格提交给财政援助和奖学金部门.
  7. 如果您有任何问题，请发电子邮件 (电子邮件保护).
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