联邦学生贷款
重要的链接:
If you have not already done so, please do the following:
1. Complete your financial aid file. You can check your financial aid status by logging 成 自助服务.
2. Make sure your current Major and Educational Objective are on file at 招生 和记录. You can update your major and educational objective by submitting the 更新学生资料表格 in the 招生 和记录 形式 网页.
Deadlines to submit a loan request
Fall 2023: 2023年12月1日 (ATTENDING Fall only)
Spring 2024: 2024年5月10日
Select 2023-24 直接贷款申请
威廉D. Ford Federal Direct Loan Program
立博 participates in the 威廉D. Ford Federal Direct Loan Program by
offering subsidized and unsubsidized Direct 学生贷款 (直接贷款). 直接贷款
- subsidized or unsubsidized, are low-interest rate loans made to students by the
联邦政府.
直接资助贷款: These loans are available to students who demonstrate financial 需要. 联邦
government pays the interest on this loan while you are in college and during deferment
期.
直接无补贴贷款: These loans are available to all eligible students and are not based on financial
需要. You are responsible for all interest payments (or capitalization of interest)
from the date the loan is disbursed.
利率: The interest rate for subsidized loan is fixed at 5.50% for loans disbursed from July
2023年1日至2024年6月30日.
贷款金额: Grade level one students (freshman) may borrow a base amount of $3,500 (subsidized
and/or unsubsidized); Grade level two students (sophomores) may borrow a base amount
of $4,500 (subsidized and/or unsubsidized) per academic year. 一个人的贷款金额
semester only are one-half (1/2) the maximum yearly loan amount not to exceed 需要
或者出席费用.
To request a subsidized or unsubsidized loan, you must first apply for federal financial aid via the FAFSA. 所有首次借款人 requesting a loan must complete ❝贷款入学辅导❞.
All borrowers must complete the "Annual Student Loan Acknowledgement " before the 贷款的处理. All borrowers must complete the ❝贷款退出咨询❞ when you cease to be enrolled, graduate or drop below 1/2 time enrollment.
The deadline to submit a Federal Direct Student Loan request is 2023年12月1日 for the Fall 2023 semester, and 2024年5月10日 for the Spring 2024 semester. Tuition payments will not be deferred for Federal Direct 学生贷款. Funds will be disbursed a minimum of 30 days after the start of the semester for first-time borrowers.
Time Limitation on Direct Subsidized Loan Eligibility: for First Time Borrowers on or after July 1, 2013.
Payment of principal (the amount borrowed) will not be required while you are enrolled 至少中场休息. Regular monthly payments on the principal (the amount borrowed) will begin six months after you leave school, drop below half-time status, or graduate. The 6-month Grace Period no longer applies to the interest rate for Subsidized Stafford 直接贷款. Interest on Subsidized 直接贷款 begins accruing immediately when the student is no longer enrolled at least ½-time. It may take up to ten years to 偿还贷款.
Deferment is available while enrolled 至少中场休息 (6 or more units). 一旦 initial grace period ends and repayment begins, deferment for resumption of study requires half-time enrollment. Units cannot be combined between two colleges for deferment 目的.
The following examples show typical monthly payments and total interest charges for 6.80% loans of varying amounts, with typical repayment 期:
| Typical Loan Repayment Plan | ||||
| 贷款总额 | 付款次数 | 每月的付款 | 利息费用 | 总回报 |
| $3,500 | $90 | $50 | $971 | $4,471 |
| $6,500 | $120 | $75 | $2,467 | $8,967 |
| $10,500 | $120 | $121 | $4,000 | $14,500 |
| $20,000 | $120 | $230 | $7,619 | $27,619 |
贷款违约
If you have defaulted on a student loan, you have some options. 视情况而定
one you chose you may regain your eligibility for financial aid, improve your credit
and in some cases remove the default status from your credit report.
For more detailed information on all of your student loan options, including repayment and consolidation, please visit Department of Education at 学生贷款网页.
*立博 金融援助 Office does not guarantee the accuracy of translated text through Google Translate. If the information you are translating is not clear, please return to the home page of 立博 金融援助 and 奖学金, click "立博ladbrokes官网," and call for assistance, or email your question to the appropriate 顾问. 立博 金融援助 Office disclaims and will not accept any liability for any problems caused by the use of the Google Translate feature.
立博
FY2018 Cohort Default Rate*: 10.1%
The FY2018 National Cohort Default Rate for 2-3 Year Public Institutions: 11.5%
*This is the most recent official rate through September 2021.
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