Student Loans

Several loan options are available to you. 记住,无论你借多少钱,都必须连本带利偿还. While loans can be a good investment in your future, taking out a federal student loan is a serious obligation. Remember, these are loans and they need to be repaid.

要查看华人博彩论坛的贷款违约率和还款信息,请查看我们的 college scorecard on the Department of Education's website.

  • Federal Direct Loans

    • 有两种类型的联邦直接贷款:补贴和无补贴. Learn more about Federal Direct Loans.

      To Be Eligible For Federal Direct Student Loans, you must:

      • 是美国公民或国民,永久居民,或符合条件的非公民.
      • 在符合条件的课程中至少注册了一半时间(6学分)
      • Be making Satisfactory Academic Progress
      • 没有拖欠斯塔福德,PLUS, SLS,合并,或联邦直接贷款
      • Not owe a Title IV refund

      How To Apply For Federal Direct Student Loans

      1. Go to studentaid.gov. (您需要使用您的FSA ID和您用于签署FAFSA的密码登录.)
      2. Click the "In School" tab.
      3. Select "Complete Entrance Counseling."
      4. 选择“完成主本票”,然后选择“我是一名本科生”."

      In order to receive a Federal Direct Student Loan at 华人博彩论坛, you must be able to answer yes to the following statements:

      • You have been admitted to 华人博彩论坛. (Apply Now)
      • You have applied for federal financial aid through the FAFSA form, it has been processed and 华人博彩论坛 has received the results.
      • 你的经济援助申请已经被华人博彩论坛经济援助办公室审查过,并且你想要贷款的学年的经济援助奖励通知已经发送给你. This can be reviewed in your 华人博彩论坛 Self-Service.
      • 您已在华人博彩论坛完成直接贷款入学咨询和直接贷款主本票.
    • 您的贷款将根据您在授予时的年级水平来授予. 如果你在年中获得了足够的学分,可以进入下一个级别, 您可以通过电子邮件请求审查额外的资格 sfs@mkplnd.com.
      • 年级水平是由在华人博彩论坛获得的学分加上适用于您当前主要学习项目的转学分决定的.
      • The years advance as follows:
    • Grade level
      # of credits earned Year in College
      0-29 1st year
      30-59 2nd year
      60-89 3rd year
      90+ 4th year
    • Refer to  Subsidized and Unsubsidized Loans | Federal Student Aid  为年度贷款限额金额,基于抚养状况和在大学的年份. 
  • Parent PLUS Loans

    • Parent Loan For Undergraduate Student (PLUS). Learn more about Direct PLUS Loans.

      How To Apply For Federal Direct Parent Plus Loans

      • Complete the Direct PLUS Parent Loan on studentaid.gov
      • Complete the Master Promissory Note (MPN). To complete the MPN:
        1. Visit studentaid.gov.
        2. 使用您的FSA ID和您用于签署FAFSA的密码登录.
        3. Select "Complete Aid Process."
        4. 选择“完整主本票”,然后选择“父本票”."

      Even if you have had a PLUS loan in prior years, 联邦法规要求您通过直接贷款流程重新申请. 您可以选择支付账单的余额或获得出席费用下允许的最高金额. 如果家长被拒绝PLUS贷款,学生可能会获得额外的无补贴贷款资金.

  • Interest Rates for Federal Loans

    • 虽然直接斯塔福德贷款和PLUS贷款的利率每年都有所不同, 利率在贷款期限内保持固定,不会超过规定的利率上限. Loan interest rates for 2022-23 are summarized below.

      Undergraduate Direct Loans: 4.99% (8.25% interest rate cap)

      PLUS Loans: 7.54% (10.5% interest rate cap)

  • Alternative Loans

    • 鼓励所有学生完成联邦学生援助免费申请(FAFSA),以确定他/她是否有资格获得联邦或州助学金或贷款, which are much more favorable than private loans.

      如果你的家庭没有资格获得经济援助或选择不申请, these programs offer alternate loan resources. 接受经济援助的学生也可以利用这些计划来支付全部或部分计算的出勤费用. 借款人必须有信誉才能参与这些计划. 如果学生可以找到信誉良好的人共同签署贷款申请,那么没有资格参加计划的学生仍然有资格参加.

      Please keep in mind:

      • 有几家贷款机构处理替代性学生贷款.
      • You are not required to use a certain lender.
      • You may use the lender of your choice.
      • 确保你选择的贷款人知道你正在申请另一种贷款.
      • 你需要选择你参加大部分课程的校园位置.
        • “00”主校区,“02”航空公园校区,“03”大湖校区

      Alternative loans are credit score based. 在申请替代贷款之前,学生应该使用联邦直接贷款基金. 学生们应该研究许多贷款机构以了解利率, payment and enrollment requirements before choosing a lender. 华人博彩论坛提供了以下贷款人名单,仅供参考. 华人博彩论坛 cannot recommend the best lender for students to select.

    • Credible 是一个免费的在线工具,可以让学生比较来自多个不同贷款人的个性化贷款. 并非所有的贷款机构都参与了这一比较工具,因此将不在产出中加以说明. Students can analyze pre-qualified rates, 条款和资格规则并排为那些贷款人参与与可信在几分钟内与单一应用程序. 此应用程序运行软信用检查,信用评分不会受到影响.

      Credible’s Refinancing Loan Tool

    • FastChoice 是我们熟悉并在过去有过广泛合作的私人贷款机构的数据库吗. 这不是一份详尽的清单,也不包括所有的贷款机构. 学生可以在申请之前比较不同的贷款机构. 由于学生将申请每个单独的贷款,以获得一个特定的利率, credit score may be impacted.

  • Exit Counseling Process

    • When you have graduated or are no longer attending 华人博彩论坛, 你需要更新你的联邦学生贷款记录. This includes your contact and reference information. Please complete the exit counseling form. 这是一份在线表格,不需要在招生服务办公室填写.