联邦斯塔福德贷款

Federal Direct Subsidized and Unsubsidized 工作人员ord 贷款 are federal student loans offered by the U.S. Department of Education for eligible students to help cover the cost of higher education.

所有斯塔福德贷款:

  • Enter repayment six months after graduation or when you cease attending a place of higher education at least half time
  • 是固定利率的吗
  • Have an origination fee deducted from the loan funds by the Department of Education

For more information on the current interest rates and origination fees, see studentaid.政府.

资助斯塔福德贷款: 无补贴斯塔福德贷款:
  • 是否适用于有经济需要的学生*
  • 是由教育部资助的吗, which pays the interest on the loans while the student is enrolled in school at least half time
  • 不论经济需要与否，学生均可申请
  • Accrue interest at the point the loan is disbursed onto your student account (typically 10 days before semester begins)

*Financial need is defined as the cost of attendance minus all financial aid.

年度贷款限额

新生 二年级学生 大三和大四
受抚养学生总数 $5,500 $6,500 $7,500
独立学生总数 $9,500 $10,500 $12,500
最高资助额(按经济需要计算) $3,500 $4,500 $5,500
如果家长PLUS贷款被拒绝，额外的无补贴贷款 $4,000 $4,000 $5,000

贷款 cannot exceed the cost of attendance less other financial aid.

Maximum Total Debt from 工作人员ord 贷款 When You Graduate (aggregate loan limits)

受抚养学生总数 $31,000
独立学生总数* $57,500
最高补贴部分
(基于经济需要)		 $23,000

*And Dependent Students whose parents cannot borrow from the PLUS loan program

联邦PLUS贷款*

  • 联邦家长PLUS贷款: PLUS 贷款 are available for parents of undergraduate students who are assisting their students in paying for school. 贷款 are based on credit approval and amounts vary up to the cost of attendance. 在线申请.

Direct Parent PLUS loans are federal loans provided by the U.S. Department of Education that parents of dependent undergraduate students can apply for to help pay education expenses.

这里有一些亚博体育家长PLUS贷款的快速事实:

  • 美国.S. 教育部是贷款人.
  • 借款人不得有不良信用记录.
  • The maximum loan amount is the student’s cost of attendance minus any other financial aid received.
  • They are approved based on a soft credit check of the parent.
  • They have an origination fee deducted from the loan funds by the Department of Education.
  • Repayment begins within 60 days of disbursement of the loan and can be deferred while the student is enrolled at least half time by request.**如欲了解更多有关“家长PLUS贷款”还款的资料，请 访问直接家长PLUS贷款.

*Plus loans applications become available in May for the following academic year.

**Note: If your loan is deferred, interest will accrue on the loan during the period of deferment. You may choose to make interest-only payments during the deferment period, but are not required to. 要设置只付利息，请联系您的服务提供商.

申请过程

申请可在网上下载 studentaid.政府. Parents must log in using their FSA ID and password (not the student’s). You should be notified right away on whether you are approved or denied. Once your application is submitted, it will be sent directly to Warner Pacific within 24 hours.

Applications are aid-year specific and must be completed each year you wish to borrow a Parent PLUS loan.

The loan amount can be specified during the application process as one of the following:

  • Maximum amount (the student’s cost of attendance minus all other financial aid)
  • Specific amount (where the parent chooses the loan amount)
  • 数额不详(联系经济援助顾问)

一旦应用程序完成, parents will also need to complete a PLUS Master Promissory Note at studentaid.政府 (每名儿童只须填写一次).

如果我被拒绝了怎么办?

In some cases, when a parent is denied, they may still be able to receive a PLUS loan by:

  • Obtaining an endorser who does not have an adverse credit history. An endorser code should be provided at the time you complete the application.
    • You will also need to complete a PLUS Master Promissory Note for each endorsed loan.
  • Appealing the credit decision by documenting to the Department of Education’s satisfaction extenuating circumstances relating to their adverse credit history.

If either is true, parents will also need to complete PLUS Counseling at studentaid.政府 才能发放贷款.

如果父母无法获得背书人或上诉, the student may be eligible for additional unsubsidized loans to help pay for his or her education.

利率 费用 贷款转移政策
利率在贷款期间是固定的. 要查找当前的利率，请访问 studentaid.ed.政府. 所有直接PLUS贷款都有贷款费用. The fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. 有关当前贷款费用信息，请访问 studentaid.ed.政府. A PLUS loan made to a parent cannot be transferred to the child. 家长有责任偿还贷款.

私人教育贷款

Private (or alternative) loans are loans that are not part of the federal financial aid program.

以下是一些亚博体育私人贷款的事实:

  • Interest rates and fees vary greatly and may depend on the borrower’s credit-worthiness.
  • 他们有固定利率和可变利率两种选择.
  • 一般来说，学生需要有一个共同签署人.
  • Loan amounts cannot exceed the cost of attendance minus all other financial aid.
  • 他们可以在学生或家长的名字.
  • 他们没有贷款手续费.
  • 还款延期的选择可能会有所不同.
  • Interest begins accruing at the point the loan is disbursed onto your student account (this is typically ten days before semester begins).

我在哪里可以找到私人贷款?

These resources will help you make an informed decision about the most appropriate loan for you:

  • 向你的个人银行或信用合作社查询
  • 试一试 快速选择 to view and compare lenders that have provided private loans to Warner Pacific students in the past.
    • Please note that you are not required to select a lender on this list.
  • 你也可以浏览 ConsumerAffairs.com 有关如何选择学生贷款机构的有用提示.

Your financial aid counselor cannot recommend any private lender but can help you understand your options.

其他亚博体育

贷款行为准则