联邦学生贷款
Student Financial Services (SFS) offers 联邦 Direct 补贴贷款和无补贴贷款 学生,以及联邦直接 家长PLUS贷款 本科生. 联邦贷款是直接从美国政府借款.S. Department of Education (ED), and they have to be repaid with 感兴趣. 请浏览教育署 http://fsapartners.ed.gov/knowledge-center/topics/default-management 网页 to view 澳门新葡京博彩’s Cohort Default Rate and to see how it compares to other institutions or the national average. 的 percentage of students who borrow at 澳门新葡京博彩 can separately be found at ED’s http://collegescorecard.ed.gov/school/?136516-Polk-State-College 网页.
Several individuals with extensive student loan expertise are available to answer 你r borrowing questions. 例如, SFS’s Executive Director is a National Association of Student 金融援助 Administrator (NASFAA) 注册财务援助管理员®. 话虽如此, Charisse Bowe is our office’s point-of-contact for loans, and we recommend 你 speak with her by contacting cbowe@波尔克.edu or (863) 297-1004 if 你 have any concerns about taking out a loan. 学生们也被鼓励复习SFS 金融知识指导.
资格
- You must have a completed, error-free (no verification pending) FAFSA.
- You must be enrolled in at least six credit hours.
- 你一定要见 令人满意的学业进展.
- 您必须正确填写并提交请求.
- 你必须填写一份 主本票.
- 你必须完成 入学咨询.
- 注意:
- 的 loan process could take some time; therefore, we strongly suggest 你 apply early. 当您的文件完成时, federal student loans will be automatically packaged according to 你r eligibility.
- First-time, first-year borrowers may not receive a disbursement until after the 30th day after the beginning of the payment period or the first day of class.
- Borrowers who graduate or drop below half-time enrollment must also complete Exit Counseling by visiting http://studentaid.gov/exit-counseling. ED’s Direct Loan Exit Counseling Guide can be viewed at http://studentaid.gov/sites/default/files/exit-counseling.pdf.
私人/另类贷款
Private / alternative student loans are not provided or subsidized by the federal government; instead, 它们由银行提供资金, 信用合作社, 或者其他类型的贷款人. 的 bank or lender–not the federal government–sets 感兴趣 rates, 贷款限制, 条款, and conditions of private / alternative student loans. 请查看下表并访问 http://studentaid.gov/understand-aid/types/loans/federal-vs-private for more information on private / alternative student loans.
联邦 | 私人/另类 |
---|---|
You will not have to start repaying 你r federal student loans until 你 graduate, 离开学校, or change 你r enrollment status to less than half-time. | Many private student loans require payments while 你 are still in school. |
的 感兴趣 rate is fixed and is often lower than private loans and much lower than some credit card 感兴趣 rates. 查看 现行利率 澳门新葡京博彩联邦学生贷款. | Private student loans can have variable 感兴趣 rates, some greater than 18%. A variable rate may substantially increase the total amount 你 repay. |
Undergraduate students with financial need will likely qualify for a subsidized loan where the government pays the 感兴趣 while 你 are in school on at least a half-time basis. | 私人学生贷款没有补贴. No one will pay the 感兴趣 on 你r loan other than 你. |
You don’t need to get a credit check for most federal student loans (except for PLUS loans). 联邦 student loans can help 你 establish a good credit record. | Private student loans may require an established credit record. 的 cost of a private student loan will depend on 你r credit score and other factors. |
You will not need a cosigner to get a federal student loan in most cases. | 你可能需要一个担保人. |
利息可以抵税. | 利息不能抵税. |
贷款可以合并成一家直接公司 合并贷款. 访问 http://studentaid.gov/manage-loans/consolidation 以了解合并选项. | Private student loans cannot currently be consolidated into a Direct 合并贷款. |
如果你在偿还贷款方面有困难, 你 may be able to temporarily postpone or lower 你r payments. | Private student loans may not offer forbearance or deferment options. |
的re are several repayment plans, including an option to tie 你r monthly payment to 你r income. | Private student loans may not offer forbearance or deferment options. |
没有预付罚金. | 可能会有预付罚金. |
You may be eligible to have some portion of 你r loans forgiven if 你 work in public service. | It is unlikely that 你r lender will offer a loan forgiveness program. |
Free help is available at 1-800-4-FED-AID and on our websites. | 的 消费者金融保护局的 private student loan ombudsman may be able to assist 你 if 你 have concerns about 你r private student loan. |