A part of your financial aid award may be a loan from the Federal Direct Student Loan Program. A loan must be repaid. T在这里fore, 当决定是否借钱时, 你应该审视自己对援助的需求和未来的偿还能力. Generally, 你将有10到25年的时间来偿还贷款, 这取决于你选择的还款计划. 你每月的还款金额将基于你借了多少钱以及你需要多长时间来偿还. 直接贷款有一个固定的利率，不同的贷款类型. The terms and conditions of all loans are explained in the Master Promissory Note which all borrowers must complete and sign. 填写主本票的说明包括在 经济资助奖励指南.
T在这里 are two types of Federal Direct Student 贷款 for undergraduates. Both loans require a student be enrolled at least half-time (at least 6 credits per semester). Direct Subsidized Student 贷款 are for students with financial need, as determined by federal regulations. No interest is charged while you are in school at least half-time, 离校后的前六个月(指宽限期)*, and during a period of deferment (a postponement of loan payments). Direct Unsubsidized Student 贷款 are 不 based on financial need; interest is charged during all periods.
有关直接贷款计划的更多信息，请访问联邦政府网站， http://studentaid.ed.gov/sa. 根据联邦规定, the maximum you can borrow each year is based on your grade level and dependency status as indicated on the chart below
|本科新生(0 - 26岁).5 credit hours)
|本科二年级(27 - 54岁).5 credit hours)
If you are a 2014年7月1日或之后的首次借款人, t在这里 is a limit on the maximum period of time (measured in academic years) that you can receive Direct Subsidized 贷款. 这 时间限制不适用于直接无补贴贷款或直接加贷款.
如果这个限制适用于你, 你可能不会获得超过你的计划公布长度150%的直接补贴贷款. 这就是所谓的“最高资格期”." Your maximum eligibility period is based on the published length of your current program.
For example, 如果你就读于四年制学士学位课程, 直接资助贷款的最长期限为六年(四年的150% = 6年).
Loan Origination 费用
The Federal Direct Loan Program is authorized to charge an origination fee for each loan. The fee is a percentage of your total amount borrowed and is deducted from your loan before the loan disbursement is sent to Stevenson University.
The loan fee for loans disbursed on or 后 October 1, 2017 and before October 1, 2018 is 1.066 percent. The loan fee for loans disbursed on or 后 October 1, 2018 and before October 1, 2019 is 1.062 percent. 贷款发起费用在每年的10月1日改变.
国会已经通过并签署了2013年两党学生贷款确定性法案, which ties 联邦学生贷款利率 to financial markets. 根据该法案，利率将在每年春季为下一个奖励年提供的新贷款确定每年的7月1日至6月30日. Each loan will have a fixed interest rate for the life of the loan.
The 2018-2019 interest rate for the Undergraduate Direct Subsidized and Unsubsidized loan is 3.76 percent. 2017-2018年的利率是5.05 percent.
First-time borrowers 大游BG视讯 of Federal Direct 贷款 are required to complete entrance counseling and Master promissory Note (MPN) before the Financial 援助 Office can process their loan. The purpose of the entrance counseling is to ensure that you understand your rights and responsibilities as a new loan borrower and that you understand the regulations 政府erning each loan program, such as interest rates, 格蕾丝, 延期/忍耐选项, prepayment, consolidation, 以及其他一般还款义务. You are also informed of the consequences of 不 repaying your student loans (default) and of various repayment strategies.
All student loan borrowers are required to complete exit counseling before graduating or withdrawing from Stevenson University or ceasing to enroll at least half-time.
资金将张贴到您的学生帐户后，财政援助普查日期. 普查日期通常标志着本学期添加/删除期的结束. 这 is the date we take a “snapshot” of all students’ enrollment to establish the “official enrollment” for reporting purposes and financial aid eligibility. The classes for which you are registered as of the census date determine the amount of financial aid you will receive.
The Federal Direct PLUS Loan Program is authorized to charge an origination fee for each loan. The fee is a percentage of your total amount borrowed and is deducted from your loan before the loan disbursement is sent to Stevenson University. 2017年10月1日或以后及2018年10月1日之前首次发放的贷款，贷款费用为4元.264 percent. 2018年10月1日或以后及2019年10月1日之前首次发放的贷款，贷款费用为4元.248 percent. 贷款发起费用在每年的10月1日改变.
The student must be enrolled at least half-time status (6 credits or more per semester).
- 借款人和学生必须是美国公民.S. 公民或符合条件的非公民.
- The borrower must meet federally defined credit worthiness standards.
- 这个学生一定在做什么 令人满意的学术进步.
Beginning March 29, 2015, 在下列情况下，直接加贷款申请人会被视为有不良信用记录:
- The applicant has one or more debts that are 90 or more days delinquent as of the date of the applicant’s credit report, or that have been placed in collection or charged off (written off) during the two years preceding the date of the applicant’s credit report, 这些债务的未偿余额的总和大于2美元,085; or
- The applicant has been subject to any of the following conditions during the five years preceding the date of the credit report:
- Default Determination
- Bankruptcy Discharge
- Tax Lien
- Wage Garnishment
All applicants determined to have an adverse credit history will be 不ified by the Department of Education that they may be eligible for a Direct PLUS Loan if they:
- Obtain an endorser who does 不 have an adverse credit history
- Document to the satisfaction of the Department of Education that t在这里 are extenuating circumstances related to the adverse credit information
- 完成关于学生贷款的新PLUS辅导.政府 Website
A Direct PLUS Loan Applicant who is determined to have an adverse credit history may begin the process of documenting extenuating circumstances (or a request for reconsideration, 如符合资格)，可使用"文档的情况下” link on the Student贷款.政府 web site or by contacting the Student Loan Support Center at 800-557-7394.
如果家长被拒绝的PLUS贷款由于不良的信用历史，并没有重新申请与共同签署人, the student may borrow additional Direct Unsubsidized loan money. Freshmen and sophomores are eligible to borrow an additional $4,000 and juniors and seniors are eligible to borrow an additional $5,000.
Annual Loan Limits
Loan Origination 费用
The Federal Direct PLUS Loan Program is authorized to charge an origination fee for each loan. The fee is a percentage of your total amount borrowed and is deducted from your loan before the loan disbursement is sent to Stevenson University. 2016年10月1日及以后及2017年10月1日前发放的贷款，贷款费用为4元.276 percent. 贷款发起费用在每年的10月1日改变.
国会已经通过并签署了2013年两党学生贷款确定性法案, which ties 联邦学生贷款利率 to financial markets. 根据这一法案，每年春季将确定下一年度新贷款的利率 award year每年的7月1日至6月30日. Each loan will have a fixed interest rate for the life of the loan. 2018-2019年Direct PLUS贷款利率为7.60 percent.
如欲了解更多资料，请浏览: studentaid.ed.政府 /类型/贷款/利率
- 7月1日以后首次发放的贷款, 2008, your parent borrower can apply for an in-school deferment as long as you are enrolled at least half-time (6 credits or more per semester).
Students or Parents receiving Direct Student 贷款 or Plus 贷款 should be aware that if they are in a dispute about a federal student loan，作为最后的手段，他们可以联系联邦学生援助申诉专员小组.
If you've completed the steps to resolve your loan dispute and you still are 不 satisfied, 你可能需要联系美国联邦学生援助(FSA)申诉专员小组.S. 教育部(教育署). 司法特派员小组是中立的, informal, 以及协助解决联邦学生贷款纠纷的机密资源.
最后的办法是与申诉专员小组联系. Make every effort to 解决你的学生贷款问题 然后再联络申诉专员小组.
The FSA学生贷款监察专员 Group may be contacted via their website，或下列其中一种方法:
FSA Ombudsman Group
P.O. Box 1843
Monticello, KY 42633
选择学生贷款, 也通常被称为私人教育贷款, 银行提供消费贷款吗, 信用社和其他私人借贷者支付的大学费用不包括在财政援助.
在申请另类学生贷款之前, the student and parent of a dependent student should compare the terms of the loan with loan assistance available through the Federal Direct Student Loan and Federal Direct Parent PLUS Loan Programs. Most Alternative Student Loan Programs are 不 competitive with the Federal Loan Programs and are only intended to provide supplemental education financing 后 all federal options are exhausted.
如果你住在以下几个州, you should also review information about your 状态's Private Education Loan Programs: Alaska, Connecticut, 爱荷华州, 缅因州, Massachusetts, Minnesota, Montana, New Jersey, New York, North Dakota, Rhode Island, 南达科他, 德州, Vermont, Wisconsin, and Wyoming.
大游BG视讯不提供优先备选学生贷款贷款人名单, but we are able to provide you with a list of banks and credit unions that have made loans to our students in the past. Please be advised th大游BG视讯 does 不 recommend, promote, 或者认可这些名单上贷款人的贷款产品. 你可以自由地向任何你选择的贷款人借款.
大游BG视讯提供另类学生贷款咨询通过 FASTChoice website. The FASTChoice website is powered by Great Lakes Student Loan Services and will provide you with general information about loan types, loan terms, 以及条件和借款人的责任.
对于大游BG视讯更大的贷款者, you will be able to use the FASTChoice comparison tool to view individual bank loan details, 包括资格要求, interest rates, loan limits, and borrower benefits. Since most credit unions have specific membership requirements, we would suggest that you contact them individually to determine their membership requirements.
It is very important that you pay close attention to the information you receive about a private loan and the repayment of the loan and that you retain the information you receive. 它将适用于你必须开始偿还你的贷款. Private loans may 不 have the same flexibility and options available with Direct 贷款. You do 不 want unwelcome surprises and issues when you begin repayment.
If you are planning to use an Alternative Student Loan to pay your charges, 请给予足够的处理时间. Most lenders will agree that using a credit-worthy cosigner may speed up the application process, 帮助降低利率, 并增加被批准的机会. 申请这笔贷款时, 请务必申请秋季和春季学期所需的资金. Your requested amount will be divided equally between the two semesters.
当贷款人确定学生是否符合批准标准时, the lender will contact Stevenson for the school certification. 在提供证书之后, the lender will issue a disclosure 状态ment detailing the loan agreement. 如果你申请的贷款数额超过了你的资格, 大游BG视讯公司将减少要求的金额，以符合联邦指导方针.
《大游BG视讯》于2008年8月18日签署成为法律. 该法案要求所有大学采用一种 大学贷款行为准则. Stevenson University has adopted the 大学贷款行为准则 proposed by the Attorney General of the State of Maryland.