概述

概述

Federal 和 private loans are need-based financial aid that must be repaid, sometimes with interest. 联邦贷款包括直接贷款,父母附加贷款,以及更多. 有些联邦贷款在你还是学生的时候是不计息的. 私人贷款是帮助你支付剩余教育费用的另一种选择. 

联邦政府直接贷款

联邦政府直接贷款

联邦直接贷款是所有学生都可以申请的低息贷款, 前提是他们已经申请了FAFSA,并且符合接受联邦援助的标准. 

与所有贷款一样,联邦直接贷款必须偿还利息. 联邦直接贷款有两种类型: 补贴未受资助的. 你可能会收到一种或两种类型,这取决于你的依赖和经济状况. 为了获得资金,你必须注册至少一半的时间.

 


直接补贴贷款

未受资助的直接贷款
财务需要根据需要不是基于需要

限制


 

请参阅下面的年度及总贷款限额表.

Federal regulations limit new borrower 资格 for Direct 补贴 贷款 to 150% of the published length of an undergraduate program. 这一限制只适用于首次借款人. 请访问联邦学生援助网站了解详细解释.

请参阅下面的年度及总贷款限额表.

Important to note that 补贴 和 未受资助的直接贷款s combined cannot exceed the Federal Direct Loan annual limits noted below.

感兴趣

The interest rate is a variable fixed rate which is determined at the beginning of each academic year (July 1). 欲了解更多信息,请访问 studentaid.政府.

请注意, Federal 政府ernment pays the interest while in school at least half-time 和 during the six-month grace period after you graduate, 离开学校, 或者降至半期注册以下.

取消宽限期利息补贴——目前, the federal 政府ernment pays the interest on a Federal Direct 补贴 loan not only when the student is enrolled at least ½ time but also during their 6 month grace period. 

The interest rate is a variable fixed rate which is determined at the beginning of each academic year (July 1). 欲了解更多信息,请访问 studentaid.政府.

You are responsible for paying all the interest while in school 和 after graduating or dropping below half-time enrollment. 你可以允许利息在你上学期间和宽限期内累积. 如果你这样做,利息将在偿还时立即资本化. 资本化的利息将加到本金余额中. It is to your advantage to pay the interest while in college; you will pay less in the long run.

费用费用由首次发放贷款的日期决定. 欲了解更多信息,请访问 studentaid.政府.费用由首次发放贷款的日期决定. 欲了解更多信息,请访问 studentaid.政府.
申请贷款及入学辅导

获得直接补贴贷款后,请前往 studentaid.政府 填写主本票(MPN)和入学咨询.

If you are a continuing student borrower at 澳门葡京官网, go to your student portal to accept your loans. Entrance counseling is required for all first-time borrowers 和 strongly encouraged for all transfer students.  这个有价值的步骤提供了关于您的贷款权利和责任的信息。, 并帮助你理解在学校和以后会发生什么.

获得无补贴直接贷款后,请前往 studentaid.政府 填写主本票(MPN)和入学咨询.

If you are a continuing student borrower at 澳门葡京官网, go to your student portal to accept your loans. Entrance counseling is required for all first-time borrowers 和 strongly encouraged for all transfer students.  这个有价值的步骤提供了关于您的贷款权利和责任的信息。, 并帮助你理解在学校和以后会发生什么. 

还款

还款在你毕业后六个月开始, 撤销, 或中途停止入学.  

贷款还款期通常为10年, but may change depending on the loan repayment program you may choose or if you make more than the minimum payment. 请访问联邦学生援助网站了解更多关于还款的信息.

如果你想计算你的偿还贷款,尝试使用 联邦学生援助网站上的还款计算器.

还款在你毕业后六个月开始, 撤销, 或中途停止入学.

贷款还款期通常为10年, but may change depending on the loan repayment program you may choose or if you make more than the minimum payment. 请访问联邦学生援助网站了解更多关于还款的信息.

如果你想计算你的偿还贷款,尝试使用 联邦学生援助网站上的还款计算器.

出口咨询

每一个申请联邦贷款的学生,他们的入学率已经降到了一半以下, 从澳门葡京官网退学或毕业的学生必须完成退出咨询.离境谘询可于以下地点完成: studentaid.政府. 然而, 在每个学期结束时,都可以进行面对面的退出咨询, 并受到强烈的鼓励. Communication will be sent to these students towards the end of the term notifying when in-person 出口咨询 sessions will be available.

每一个申请联邦贷款的学生,他们的入学率已经降到了一半以下, 从澳门葡京官网退学或毕业的学生必须完成退出咨询.离境谘询可于以下地点完成: studentaid.政府. 然而, 在每个学期结束时,都可以进行面对面的退出咨询, 并受到强烈的鼓励. Communication will be sent to these students towards the end of the term notifying when in-person 出口咨询 sessions will be available.


请注意:

  • Additional Federal 未受资助的 Direct loan: If your parent is denied a Federal Parent PLUS loan, 你有资格申请额外的联邦无补贴贷款. 限制列在下面. 请联系SFS,看看您是否有资格申请.
  • You are not required to borrow the full amount for which you are eligible; borrow conservatively to minimize indebtedness. 
  • 曾经获得联邦贷款, students still need to apply for or claim their loan in order for it to be credited to their student account.

年度贷款限制

The following table shows the maximum amounts you can borrow each year for the 未受资助的 和 直接补贴贷款s.

依赖的澳门葡京官网生基地数量(DSSL / DUSL)额外的无补贴贷款金额
1年$3,500$2,000
二年级$4,500$2,000
3年/ 4年$5,500$2,000

 

独立的大学生基地数量(DSSL / DUSL)额外的无补贴贷款金额
1年$3,500$6,000
二年级$4,500$6,000
3年/ 4年$5,500$7,000

总贷款限制

The following table shows the maximum lifetime totals that you can borrow for both the Direct 补贴 和 未受资助的 loans: 

澳门葡京官网生的依赖*

 
直接资助贷款/直接非资助贷款(DSSL/DUSL)$31,000
总计$31,000

*包括教师资格证书学生 

独立的大学生* * 

 
直接资助贷款(DSSL)$23,000
直接无补贴贷款(DUSL)$34,500
总计$57,500

**包括父母无法获得PLUS贷款的受供养澳门葡京官网生

联邦父母附加贷款

联邦父母加贷款

The Federal PLUS Loan is a credit-based loan for parents (or step-parents) of dependent undergraduate students. FAFSA要求申请联邦附加贷款.

阅读更多关于如何申请联邦财政援助的信息.

  • 贷款限制:出席费用减去任何其他经济援助.
  • 费用:有关PLUS贷款的申请费用,请浏览网页 studentaid.政府.
  • 感兴趣:有关优惠贷款利率的资料,请浏览网页 studentaid.政府.
  • 还款:在贷款全部付清后60天内开始还款. 可能会有延期. 贷款还款期为10年, but may change depending on the loan repayment program you may choose or if you make more than the minimum payment. 贷款不能转到学生的名下. 有关还款的更多信息,请访问联邦学生援助网站.

It may be to the parent's advantage to apply for the loan amount needed for a full academic year. 例如, 如果父母申请秋季加贷款, 它被认为是在秋季完全支付,偿还必须在60天内开始. 

葡京官方网站 关于实际需要多少PLUS贷款来支付你的学生的机构费用, 因为葡京官方网站不建议你借比你实际需要更多的钱.

联邦护理学生贷款

联邦护理学生贷款

联邦护理学生贷款是联邦政府资助的, low-interest rate loan for students accepted 和 enrolled in the 澳门葡京官网 Nursing program who demonstrate exceptional financial need. 护理学前班学生不符合资格.

联邦护理学生贷款细节

  • 贷款金额:不同. 由澳门葡京官网根据可用资金决定.  
  • 利息:固定利率为5%,毕业后九个月开始计息, 退出比赛或进入半场休息状态.
  • 还款期限:在毕业、取钱或退学后九个月以内还款. 

如果你获得护理贷款, you must sign a promissory note at the beginning of each semester before funds can be applied to your account.

出入境咨询

在联邦护理学生贷款资金支付之前,需要进行入学咨询. 出口咨询 is required when you have graduated, 撤销, or enrolled for less than half time. The purpose of loan counseling is to advise you of your rights 和 responsibilities for borrowing a Nursing Loan, 延期和容忍选项, 和还款选项. 入学咨询在您在ecsi签署护理贷款本票时完成.净. 出口咨询, 您将在毕业时收到澳门葡京官网的电子邮件, 撤军, 或者入学时间不长, 在线指导你.

葡京官方网站,以确定您是否有资格申请.

请注意: funds are limited; not all students who meet the qualifications for a Nursing Loan will receive the Loan. 澳门葡京官网是这笔贷款的贷款人,所以还款将会交给学校或其服务机构ECSI. 

谨慎: 联邦护理学生贷款s are considered Federal funds 和 therefore are subject to similar repayment guidelines as other federal loans. Non-repayment of a Federal Nursing Loan must be reported by 澳门葡京官网 to the federal 政府ernment 和 will affect your credit score.

私人贷款

私人贷款

私人贷款是最后的贷款手段. A student should apply for a private loan after all federal loan options have been exhausted including the Parent PLUS loan. It is advisable only if you have no further 资格 for other loan programs 和 you need more funding. 这种类型的贷款是基于你的信用. 请小心,只借你本学年需要的东西.
 

查看葡京官方网站的私人贷款贷方名单
Although we provide a Private Lender List, you can choose any lender that you wish to apply with.


作为一所以信仰为基础的大学, we are committed to serving students 和 parents of Point Loma Nazarene University in a way that brings honor to God 和 by following business practices that are above reproach. Each lender listed on our current Private Loan Lender List has recently completed an intensive Request for Information (RFI) process. They were selected by a panel of 澳门葡京官网 representatives 和 scored on the basis of the following:

  • 客户服务
  • 借款人的好处
  • 信息技术与安全“,
  • 增值服务

如上文所述,借款人可选择任何贷款机构,包括未列出的机构. The lender list is provided so that our students 和 parents are aware of which providers have completed the screening process. 葡京官方网站不接受收入分成, 补偿协议, 礼物, 或任何借贷机构的旅行. 所提供的任何服务必须对葡京官方网站的学生有直接的利益或利益.

Private loans are offered by various lenders who set their own criteria on credit 和 interest rates.  在大多数情况下,利率可能高于联邦直接贷款和PLUS.  来增加你被批准的机会,并可能降低你的利率, 你可能想和一个共同签署人一起申请. 感兴趣 rates are based on PRIME or LIBOR plus a percentage tier that may range from 0% to 12% depending on the borrower’s credit 和, 如果需要, 担保人的信用. Students should research different lenders since the criteria on a Private Loan can vary from lender to lender.

笔记

  • 如对贷款人网站或流程有任何疑问,请与贷款人联系.
  • 确保充分知情的借款, you should refer directly to each lender's loan application 和 promissory note for exact information regarding terms, 假设, 条件, 资格, 定义, 及年利率,或联络你的贷款机构.
  • 大多数贷款人使用优惠利率或伦敦银行间拆放款利率. 这些价格每月变化,可以通过 Bankrate. 但具体利率请咨询您的私人贷款机构.
  • 如果可能,请只向一个贷款机构申请. 同时申请多个贷款机构可能会影响你的信用.

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