联邦直接贷款
联邦直接贷款 (Subsidized/Unsubsidized)
Federal student 贷款 are available to eligible students (U.S. citizens, permanent residents, eligible non-citizens) who submit a Free Application for Federal Student Aid (FAFSA). These 贷款 are available to qualifying full-time or part-time (6 credits) undergraduate and graduate students (Unsubsidized only) who are making Satisfactory Academic Progress (SAP) and are accepted into a degree-granting program (some graduate 证书 也有资格). 联邦直接贷款 offer better options than private 贷款 from banks. We encourage students to use federal 贷款 before other private 贷款, which can carry costly fees and higher 感兴趣 rates. 看贷款 还款计划.
了解更多有关 Federal Direct Subsidized/Unsubsidized 贷款.
Federal Direct Subsidized Loan
These are need-based low-感兴趣 贷款 from the U.S. Department of Education, administered by 申博太阳城. Borrowers must demonstrate financial need after all other awards (奖助金, 奖学金, 联邦半工半读的)被认为是. Because these are need-based 贷款 (based on FAFSA), the government pays the 感兴趣 while the student is enrolled at least half-time (6 credits). You must pay the principal and 感兴趣 during the repayment period which occurs six months following graduation, or if you are enrolled less than half-time (<6 credits) or withdraw from the university. The federal government withholds an 融资费用 to defray the costs of administering the loan programs.
Federal Direct Unsubsidized Loan
These are non-need-based, low-感兴趣 贷款 from the U.S. Department of Education, administered by 申博太阳城. Both undergraduate and graduate students may be eligible but must be enrolled at least half-time (6 credits). Payment is deferred as long as the student is enrolled at least half-time; after deferment, t在这里 is a six-month grace period. The borrower is responsible for the 感兴趣 on these 贷款 from the time the loan is disbursed. Students may choose to make loan payments while in school (recommended) or allow the 感兴趣 to accumulate. The federal government withholds an 融资费用 to defray the costs of administering the loan programs.
所需贷款文件
First-time borrowers must complete the following 文档s:
As a Federal Direct Loan borrower, 毕业前, or if you drop below less than half-time enrollment, 您必须完成:
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出口咨询 discusses topics such as repayment options, grace periods, deferment, more.
How Loan Amounts are Determined
The amount of federal 贷款 offered is based on the following factors (see the chart below for details):
- 本科 or graduate student
- Grade level (freshman, sophomore, junior/senior)
- 依赖状态
- Previous federal loan balances
Annual and Aggregate Federal Direct 贷款限制 (Subsidized and Unsubsidized)
一年 | Dependent Students (except students whose parents are unable to obtain PLUS 贷款) | Independent Students (and dependent undergraduate students whose parents are unable to obtain PLUS 贷款) |
一年级 本科 Annual loan Limit |
$5,500 – No more than $3,500 of this amount may be in subsidized 贷款. | $9,500 -不超过 $3,500 of this amount may be in subsidized 贷款. |
Second-一年 本科 Annual loan Limit | $6,500 – No more than $4,500 of this amount may be in subsidized 贷款. | $10,500 -不超过 $4,500 of this amount may be in subsidized 贷款. |
Third-一年 and Beyond 本科 Annual loan Limit | $7,500 – No more than $5,500 of this amount may be in subsidized 贷款. | $12,500 – No more than $5,500 of this amount may be in subsidized 贷款. |
研究生 or Professional Students Annual Loan Limit | Not Applicable (all graduate and professional students are considered independent) | $20,500(仅限无补贴) |
Subsidized and Unsubsidized Aggregate Loan limit | $31,000 – No more than $23,000 of this amount may be in subsidized 贷款. | $57,500 for undergraduates – No more than $23,000 of this amount may be in subsidized 贷款. $138,500 for graduate or professional students – No more than $65,500 of this amount may be in subsidized 贷款. The graduate aggregate limit includes all federal 贷款 received for undergraduate study. |
Public Service Loan Forgiveness
A new program established by the College Cost Reduction & Access Act offering loan forgiveness after 10-years of public service employment.
To qualify for loan forgiveness, a borrower must make qualifying monthly loan payments (120 payments) while working full-time in qualifying public service employment. For further information, view the Public Service Loan Forgiveness 文档.
Next Steps for 毕业的学生
For important information and resources for graduating students, please visit 在这里.