贷款 are a financial aid resource and most students at some point in their college careers need to borrow loan funds. 贷款 are available through many sources including the federal 政府ernment, 国家, 机构和私人贷款人.
Students that borrow should research the terms and agreement of any loan, 包括联邦斯塔福德贷款, 之前借款. Borrowing requires a commitment/obligation to repay and therefore it is important to understand your responsibilities and rights as a student loan borrower.
The Federal Government is the largest education loan lender. The US Department of Education offers three different types of Federal Direct 贷款 depending upon your student type: Subsidized, 无资助及额外津贴(毕业生及家长). 学生必须至少在一半时间注册 to be eligible for federal student loans. Repayment of student loans begins six months after graduation or six months after dropping below half-time status. Parents have the option of entering repayment immediately after the loan is fully disbursed or deferring repayment until the student graduates or drops below a half-time status.
There are two types of Federal Direct 工作人员ord 贷款:
This is a need-based loan for which the interest is paid by the 政府ernment while the student is in school at least half-time. Interest will begin to accumulate at the start of the student’s 6 month grace period (the period of time before repayment, which occurs after the student is no longer in school at least half time). 从7月1日开始申请贷款的学生, 2013, may receive the 联邦直接补贴斯塔福德贷款 for a timeframe equivalent to 150% of the length of the student’s degree or certificate, provided that all other eligibility criteria are met. 除了, any previously-borrowed subsidized loan will begin to accrue interest at the time that the student reaches the 150% timeframe. Click here for more information about this limit.
There is no financial need requirement to be eligible for an Unsubsidized Loan. 然而, 财政援助总额, 其中包括无补贴贷款, 不能超过教育的成本. 不像补贴斯塔福德贷款, interest accumulates while the student is attending school and can be paid monthly or capitalized (added to the total loan balance) until the student leaves school.
Parents may borrow funds to cover educational costs for their dependent students. There is no financial need required to be eligible; however, 财政援助总额 cannot exceed cost of education. The applicant’s credit history will be evaluated in determining loan eligibility. The maximum award amount is the student's cost of attendance less other financial aid, 须经信贷审批. Application for the PLUS includes the Free Application for Federal Student Aid (FAFSA) and the Federal Direct Parent PLUS application and Master Promissory Note (MPN). 申请及MPN可于以下网址填写 热门产品.政府.
The Nurse Education Assistance Loan Program (NEALP) is a state program for nursing students who, 完成学业后, 我计划在俄亥俄州从事护理工作. Students must be admitted to the nursing program to be considered. 这笔贷款是以经济需要为基础的. 毕业后, the student may be eligible for loan forgiveness at the rate of 20 percent per year and a maximum loan cancellation of 100 percent. 了解更多信息, refer to the NEALP 网站 listed below or call the Ohio Board of Regents State Grants & 奖学金办公室电话:1-888-833-1133. The award amount is up to $1,500 per year and may be renewed for a maximum of four years. 学生必须至少在一半时间注册. 学生直接从俄亥俄州申请. The NEALP application forms are available on the Ohio Board of Regents 网站. Applications are available beginning January 1 and must be submitted by July 15 preceding the fall semester. Students must complete the Free Application for Federal Student Aid before submitting the NEALP application.
It is also important to plan for your future now. 只借你需要的东西. Over borrowing has become an epidemic in the United States. Responsible borrow demands responsible decisions. The following pages provide important information on loan programs, 必要的文书工作和还款.
此外, 资助.org 网站 is a useful resource for students and parents regarding borrow for college.