Federal and Private Educational Loans
有各种各样的贷款可供学生和家长考虑借款， if needed, to assist with educational expenses. A loan is money you borrow and must 连本带利偿还.
Federal Direct 学生贷款
美国.S. Department of Education offers low-interest loans to eligible students to help with the cost of college under the 直接贷款计划.
要申请，学生必须填写联邦学生援助免费申请(FAFSA). 你可能有资格:
- A 补贴贷款 (based on financial need) - 美国.S. Department of Education pays the interest on 这笔贷款在你在校期间至少有一半的时间(6个学分)，用于前六个学分 在你离开学校后的几个月(被称为宽限期)，在一段时间内 of deferment (a postponement of loan payments).
- An 未受资助的贷款 -贷款利息在贷款发放/发送至银行时开始累积 student’s billing account at the College. The student is responsible for paying the 在所有注册和非注册期间产生的利息.
Requirements to borrow federal direct loans
- 你一定已经完成了 the FAFSA;
- 你必须完成 入学咨询, a tool to ensure obligations to repay the loan are understood;
- You must sign a loan contract called a 主本票 (MPN), agreeing to the terms of the loan;
- 你一定在做 satisfactory academic progress;
- 你必须注册至少6个学分，计入他们当前的课程 of study (major) in the semester for which they wish to borrow loans. 跌破 在贷款发放前6个学分将取消您的资格.
- You must accept their student loans in 自助服务. A 循序渐进的指导 是否可以引导您完成整个过程，并提供额外的 information related to reducing or canceling loans.
收到贷款资金
在收到你的FAFSA后，财政援助办公室将为你提供所有的 你有权获得的经济援助，包括贷款，如果你符合条件的话 选择借用它们. 这 information will be made available to you in the My 奖 的部分 自助服务. 一旦满足上述所有要求，您将收到贷款披露 statement via email from the U.S. Department of Education providing you with the total 您已接受的贷款金额，预计支付金额和日期 you are scheduled to receive the loans, per semester.
一般来说，财政援助办公室将等待至少30天后开始 为学生发放/发送学生贷款资金到学生账户 who've met the requirements noted above. Loan disbursements take place throughout the semester as students complete loan borrowing requirements.
注:所有单学期贷款在学期内安排两次发放; 一次是在学期开始的时候(如上所述)，然后在 50% point of the semester or program length. 这 impacts all students who are only 贷款期限为一个学期，包括所有已登记的学生贷款借款人 in the 市警察学院 Training and the Massage Therapy programs.
一旦你的贷款资金被支付到你的学生账户，他们将减少任何未偿 charges including, but not limited to: tuition, fees, and any financial-aid-退款-advance-for-books 你可能用过. If there is a credit of funds on your account after all charges have been paid, the College will process a 退款.
最后期限
确保财政援助办公室有足够的时间来证明和支付你的贷款 在学期结束前，这些步骤必须至少完成*three weeks prior to the last date of the semester:
- You must ensure you've accepted the loans you wish to borrow in 自助服务
- 你一定已经完成了 入学咨询**
- 你必须完成一份 主本票 (或然数)* *
*未能满足此截止日期可能导致您没有资格收到 贷款资金.
**您可以在您的财务援助主页上验证您是否完成了这些要求 在自助.
Requesting summer 贷款资金
贷款限制
有 annual and aggregate/overall loan amounts that limit the amount of federal direct loans a student may borrow.
贷款按比例分配
联邦法规要求学校按比例提供联邦直接补贴和非补贴 本科毕业学生在最后入学期间的贷款金额 is less than a full academic year. The loan limit proration determines the maximum loan amount that a student may borrow for the final term of study. 本科毕业 只参加一学年一个学期的学生将获得他们的 联邦直接贷款根据他们注册的学时数按比例分配.
归还贷款资金
如果你借了贷款资金，你希望在贷款已经归还给你的贷款人 支付到你的学生账户，学院可以代表你退回. 这 如果从贷款日期算起不到120天，可以这样做吗 applied to your student account at the College. 完成 2023-24 Loan Adjustment Form (适用于:2023年秋季、2024年春季和/或2024年夏季)或 2024-25 Loan Adjustment Form (对于在2024年秋季、2025年春季和/或2025年夏季期间借入的贷款)至 请求你回来.
如果从你的贷款发放之日起超过120天，你会 need to return your loan funds directly to your servicer. To access your loan servicer 信息, 查看您的贷款帐户 after logging in with your FSA ID和密码.
出口咨询
如果你在冰球突破豪华版借了联邦直接贷款并且已经毕业，将会转学， 或者你的注册人数下降到不到一半的时间状态(3个学分) 完成 出口咨询. 退出咨询提供了重要的信息，可以指导你做好准备 you to repay your federal student loan(s).
这 special edition e-guide from Inceptia 是一个免费的资源，解决学生贷款偿还的最新发展.
贷款专员
如果您需要解决有关直接贷款的问题或争议，请联系联邦家庭 教育贷款，担保学生贷款，SLS贷款或珀金斯贷款，请联系 Federal Student Aid Ombudsman.
Direct Parent Loan for Undergraduate 学生 (PLUS Loan)
直接PLUS贷款 受抚养学生的父母可以用联邦贷款来帮助支付学费吗 student's college expenses not covered by other financial aid.
父母 who want to borrow money for their student's education can apply for the Direct PLUS Loan. 虽然你可以申请任何你想要的贷款金额，但财政援助办公室是必需的 限制贷款资金的数额，你可以借根据学生的成本 attendance minus other financial aid resources.
如果家长的PLUS贷款被拒绝，学生可能有资格借到一美元 additional $4000 in unsubsidized Federal Direct Loan funds. 经济援助办公室 是否会收到拒绝的通知，并增加额外的无补贴贷款资金 to the student's financial aid package. The student will be required to take action on the additional 贷款资金 (reduce, accept, or decline).
Private/Alternative Educational Loans
私人(或其他)教育贷款可以由学生或家长借入 用于教育费用(当前和以前的余额)通过银行或 银行. 不像联邦直接学生贷款有固定的利率，私人贷款 educational loans are credit-based and may require a co-signer for approval.
When should private loans be considered?
Before applying for a private loan, it’s recommended all federal & 国家财政 援助选择(如联邦直接学生贷款和可能的PA州补助金)， for eligible students) are exhausted. The first step to apply for federal and state 经济援助是完成联邦学生援助免费申请(FAFSA)每学年.
You should learn about the differences between federal and private student loans before applying for a private loan.
Where can I apply for a private loan?
我们与榆树选择合作，为您提供一份中立、全面的名单 我们的学生从私人教育贷款机构 过去三年. The College does not endorse, recommend, or promote any of the 银行. You are not required to select a lender from this list. You may work with any bank 或者你选择的贷款人，他们将批准在冰球突破豪华版使用的私人教育贷款 for your educational expenses.
访问 榆树选择 关于资助你的教育的信息，并比较不同的学生和家长 private educational loan options.