学生贷款
直接贷款
学生不向银行贷款. The federal 政府ernment raises the loan funds through its treasury bill auctions and the federal 政府ernment is the recipient of loan repayments. Loan types available through this program are 直接资助贷款s, 直接无补贴贷款和直接PLUS贷款. Students wishing to apply for a 直接资助贷款 and/or a 直接无补贴贷款 must complete an entrance interview and master promissory note by logging onto studentaid.政府. Loan proceeds will not be disbursed unless all of the above procedures are completed. Students and/or parents borrowing through the student loan programs will have have information about the loans submitted to the National Student Loan Data System (NSLDS) and will be accessible by guaranty agencies, 银行, and schools determined to be authorized users of the data system.
Parents wishing to apply for a Direct PLUS Loan must have a Free Application for Federal Student Aid completed for the student on whose behalf the loan is being borrowed. Parents must also have a credit check performed and a master promissory note must be completed by logging onto studentaid.政府. Loan proceeds will not be disbursed unless all of the above procedures are completed.
直接资助贷款
The Federal 直接资助贷款 program assists students with meeting educational costs by providing low-interest, 长期贷款. If the student demonstrates financial need for the loan, the interest is subsidized by the 政府ernment while the student is enrolled at least half-time (six credits per semester). The repayment period begins 6 months after the student is no longer enrolled at least half-time and interest that accrues during the 6 month 格蕾丝 period is payable by the student.
Eligibility for a loan is based on the EFC calculated by the Federal Student Aid 项目. Families must demonstrate financial need for the loan according to criteria established by the U.S. 教育部. Students must complete the Free Application for Federal Student Aid (FAFSA) to be considered for a Federal 直接资助贷款 and be enrolled at least half time (six credits) to be eligible for a student loan.
The subsidized loan amount is limited to demonstrated need up to a maximum of $3,500 for a dependent first year undergraduate student (less than 30 credits earned) and $4,500 for a dependent student who has successfully completed the first year (a minimum of 30 credits) and is in the second year of undergraduate study. The interest rate on the Federal Direct Subsidized loan is fixed for each academic year. 贷款金额按比例计算, 或者是程序的剩余部分, is less than an academic year and when the student’s enrollment status is less than full time but at least half time. An origination fee is deducted from the proceeds of each payment
直接无补贴贷款
Dependent students who do not qualify for the full interest subsidy under the Federal 直接资助贷款 program may receive a Federal Direct 未受资助的 Student loan. The Federal Direct 未受资助的 Student loan differs from the Federal Direct Subsidized Student Loan in that all the interest on the loan during in-school, 格蕾丝, 延期期间必须由学生支付. 每学年的利率是固定的.
The loan limit on the Federal Direct 未受资助的 Student Loan $5500 for a first year undergraduate student and $6500 for a second year undergraduate student less any amount of Federal Direct Subsidized Student Loan borrowed. 因此, students who show need for only part of the Federal Direct Subsidized Student Loan may borrow the remainder through the Federal Direct 未受资助的 Student Loan.
独立学生最多可以借9美元,500(最高3美元),500美元补贴外加6美元,1万美元(无补贴)作为一年级本科生，外加10美元,500美元(最高4美元),500美元补贴外加6美元,000 unsubsidized) for independent students who successfully completed the first year (a minimum of 30 credits) and are enrolled in the second year of undergraduate study. The interest rate on the Federal Direct 未受资助的 Student Loan is fixed every academic year. Repayment commences six months after the month in which the student ceases to be enrolled at least half-time. 从每笔贷款中扣除一笔贷款费用.
Note: No student may borrow in excess of the cost of attendance as calculated by the Office of 金融援助.
Direct PLUS Loans (Parent Loan for Undergraduate Students)
This loan program is for the parents of undergraduate students to help them meet the cost of education. Parents may borrow up to the cost of education minus estimated financial assistance to the student. 每学年的利率是固定的. Repayment of the Federal PLUS loan begins 60 days after the last disbursement. Parents are eligible to borrow a Federal PLUS loan only if they have no adverse credit history. Parents complete a PLUS application and promissory note. 家长通过登陆申请PLUS贷款 studentaid.政府. 每笔贷款必须分两笔等额支付. An origination fee is deducted from the proceeds of each payment.
Note: No parent may borrow in excess of the cost of attendance as calculated by the Office of 金融援助.
另外, 任何获得学生贷款的学生, (补贴, 未受资助的, Plus) who wishes to borrow MUST accept the loan by logging into the student portal as follows:
步骤1:
1. 从LCCC的主页登录到我的LCCC门户
2. 从LaunchPad连接到BannerWeb
3. 选择“经济援助”选项卡
4. 选择奖
5. 按援助年度选择奖项
6. 输入适当的援助年度并提交.
Entrance / Exit Counseling Form/Master Promissory Note
Additional information about the Direct Student Loan programs can be found at studentaid.政府.
查看有关 私人学生贷款.
