贷款

The Federal Direct Loan Program provides favorable loans to eligible degree-seeking students that are enrolled on at least a half-time basis. 要获得资格，学生必须完成 FAFSA. To receive these loans, students must complete all required loan steps, outlined 在这里.

T在这里 are two types of Federal Direct 工作人员ord 贷款: 补贴 and 未受资助的. 学生 are not responsible to pay interest on 补贴 贷款 during periods of enrollment of at least half-time, during the 6-month grace period after you leave school, 或在将来的时期 延期. Undergraduate students with financial need may be eligible for 补贴 贷款. Undergraduate students without financial need and graduate/professional students are eligible only for 未受资助的 贷款. 补贴/未受资助的 贷款 have an origination fee of about 1%, which is deducted from the amount of the principle borrowed.

T在这里 are annual borrowing limits for 联邦直接补贴/无补贴贷款s, 哪些是基于学生的年级水平, 依赖状态(as) 由FAFSA决定)，以及学位类型. 这些限制总结于下表:

In addition to annual borrowing limits, t在这里 are 总借款限额 直接资助/非资助贷款. When borrowers graduate or withdraw, they are required to complete loan exit counseling at www.studentaid.政府. More information about 联邦直接补贴/无补贴贷款s is available 在这里.

The Health Professions Loan is a need-based loan available to students seeking a Doctorate of Pharmacy degree from 威尼斯人网上娱乐. 这笔贷款的固定利率是5%, and interest does not begin to accrue until repayment begins, which occurs one year after the student ceases full-time enrollment or leaves the PharmD program. 要被考虑，学生必须完成 FAFSA. 独立学生(包括P3) & P4 students) must also provide parent financial information. 

卫生专业贷款的资金有限. 学生 who are offered a Health Professions Loan will receive instructions concerning the required steps to receive the loan. Typically, students may be eligible to borrow up to $9,000 per year.

The 联邦直接父母加贷款 is a loan for biological or adoptive parents of dependent students (as 由FAFSA定义), or for step-parents who are included in the parent section of the student’s FAFSA. 父借款人必须是美国公民.S. 公民或 符合条件的非公民. 完成 FAFSA and credit approval is required in order for a student to receive a Parent PLUS Loan, and the student must be enrolled at least half-time (6+ credits). Instructions to apply for the Parent PLUS Loan can be found 在这里.

Parent borrowers who are approved for the Parent PLUS Loan may borrow up to the student’s remaining cost of attendance. 父母 may choose whether to begin repayment immediately, make interest-only payments while the student is enrolled, or defer all payments until the student leaves school. 家长PLUS贷款的发起费用为4美元.3%. More information about the Federal Parent PLUS Loan can be found 在这里.

If graduate students need additional funding after utilizing their eligibility for the Federal Direct 未受资助的 Loan, the Federal Direct Graduate PLUS Loan may be an option (pending credit approval). The Graduate PLUS Loan is available to eligible degree-seeking graduate or professional students who are enrolled at least half-time (5+ credits). 完成 FAFSA is required in order for a student to receive a Graduate PLUS Loan. Instructions to apply for the Graduate PLUS Loan can be found 在这里.

Borrowers who are approved for the Graduate PLUS Loan may borrow up to their remaining cost of attendance. The Graduate PLUS Loan has an origination fee of 4.3%. More information about the Federal Direct Graduate PLUS Loan can be found 在这里.

Private student loans may be available to students or parents to help cover the remaining costs of education after scholarships, 奖助金, 联邦学生贷款也已申请. 需要申请和信贷批准.

私人学生贷款的条款差别很大. 贷款可以提供固定利率或浮动利率, 或长或短的还款期限, 还款前的不同宽限期, 不同的借款人利益. 学生 are encouraged to compare the terms offered to them from multiple lenders to find the best terms available. In an effort to help students find the best private loan terms available to them, 威尼斯人网上娱乐有一份优先贷款方名单. 参见“私人学生贷款” 在这里 了解更多信息.