助学贷款

联邦直接学生贷款

The most common types of student loans that are offered to students are 联邦直接 Loans. There are two types of 联邦直接 Loans; 联邦直接补贴贷款 and 联邦直接无补贴贷款. 联邦直接学生贷款 are offered after a student has been admitted to bet36365体育 and completes their 免费申请联邦学生援助(FAFSA).

学生可以通过登录接受他们决定借入的联邦直接学生贷款的金额 MyBLUE. Students 不用全额接受吗 并可记入决定借入的任何部分金额. 借款人也可以联系财政援助办公室，以减少已接受的贷款金额.

联邦直接补贴贷款

联邦直接补贴贷款 have slightly better terms to help out students with 财务需要. 

• 联邦直接补贴贷款是 only 提供给有经济需要的本科生. 

• Your school determines the amount you can borrow, and the amount may not exceed your 财务需要. 
• The U.S. 教育部支付联邦直接补贴贷款的利息; 
  • 当你至少有一半时间在学校的时候， 
  • 在你离开学校后的前六个月(被称为实习) 宽限期), and 
  • 在…期间 deferment (延期偿还贷款). 

联邦直接无补贴贷款

• 联邦直接无补贴贷款适用于本科生 and graduate students; there is no requirement to demonstrate 财务需要. bet36365体育投注 only 有资格获得联邦直接无补贴贷款. 
• 你的学校根据你的出勤费用和你收到的其他经济援助来决定你可以借多少钱. 
• You are responsible for paying the interest on a 联邦直接 未受资助的 Loan during all periods. 

• If you choose not to pay the interest while you are in school,during 宽限期s, or deferment or forbearance periods, 你的利息会累积(积累)并被资本化(也就是说), 你的利息将被加到你的贷款本金中。. 

*Note: Interest payments to a 联邦直接 未受资助的 Loan do not have to be made while in school. However, 财政援助办公室鼓励借款人开始支付利息，以便在完成学业时将所欠的债务总额降到最低. 支付利息可以防止贷款债务膨胀到超过原来的本金. 

Students who are borrowing a 联邦直接 Student Loan for the first time* are required to complete 入学贷款咨询 and a 主本票 才能将贷款支付到他们的账户上. (*If you previously borrowed a 联邦直接 Loan as a current undergraduate student, 你应该已经填写了入学贷款咨询和主本票，不需要再填写这些项目.) 

入学贷款咨询 
Students may access the entrance loan counseling session on the Department of Education's StudentAid.gov website. 一旦你完成这个在线会议，bet36365体育财政援助办公室被通知. If you want to check to see if your confirmation has been received in our office, 请查看您的MyBLUE待办事项列表. 一旦满足了这个要求，它将从您的检查表中删除.  

主本票 
当你开始为你的教育费用借钱时, 重要的是你要知道贷款的数额 条款和条件. These stipulations govern the rights and responsibilities you have as a borrower. 当你签署主本票(MPN)时, you enter a legal and binding contract (according to the 条款和条件 listed). 

每年学生贷款通知书 
年度学生贷款确认是一个工具，帮助你了解你的贷款将如何影响你的财务未来. 

完成年度学生贷款确认将有助于: 

• 在同意借更多的钱来支付他们的高等教育之前，向学生(和家长)展示他们欠了多少联邦债务，做出明智的选择. 

• 通过计算每月还款额和学生毕业后期望得到的工资中位数来了解借款人的义务. 
• 通过分解基本的贷款概念，如利息累积和资本化，以及私人贷款和联邦贷款的区别，了解还款余额. 

虽然这不是必需的, we highly recommend that you complete the online 每年学生贷款通知书 for your benefit. 

退出贷款咨询 
如果你已经借了学生贷款来帮助支付你的教育费用，你要么申请从bet36365体育毕业, 旷课, 或者降至半日入学率以下, 您将被通知参加退出贷款咨询会议的机会. 从bet36365体育毕业的学生需要退出贷款咨询. If you will be graduating from bet36365体育 and have not yet completed the 退出贷款咨询 session, 你会在MyBLUE的“待办事项列表”上看到一个提醒. Once you have completed a group counseling session or an online counseling session, 提醒将从你的“待办事项列表”中删除.“退出贷款咨询的目的是帮助你做好充分的准备，了解你所借的学生贷款的偿还情况.

An interest rate is additional money that you will have to pay on top of your loan. The faster you can repay your student loan, the less amount of interest you will pay. An origination fee is an extra fee added to your loan for the cost of services rendered to set up the loan. Make sure you borrow enough loan to cover your bet36365体育 costs as well as the origination fee.

Current Rates: Interest Rates for 联邦直接 Loans borrowed July 1, 2023 - June 30, 2024:

联邦直接贷款利率

→ 补贴本科 Loans: 5.49% fixed
→ 未受资助的大学生 Loans: 5.49% fixed
→ 未受资助的bet36365体育投注 Loans: 7.05% fixed

过往利率一览表

联邦直接贷款发起费

→ 资助和非资助本科生 Loans: 1.0.057%发起费
→ 未受资助的bet36365体育投注 Loans: 1.0.057%发起费

联邦直接贷款是联邦直接贷款计划的一部分，由联邦政府提供资金. PLUS loans are borrowed by the parents of dependent students as a way to help finance education expenses. 学生的出勤费减去所有其他经济援助(由学校决定)是可以借用的最高限额. 除非借款人在贷款请求中指定延期付款, 还款在全部贷款支付后开始.

利率固定在8英镑.2023-24学年为05%. Interest is charged during all loan periods, starting on the date of the loan’s first disbursement. 发起费4英镑.228%, 是否会从所借本金中扣除，而由此产生的净贷款将用于学生帐户. 

• 借款人必须是美国公民.S. citizen or an eligible non-citizen who is the student’s current biological, adoptive, 或继父. 
• 受抚养的学生必须在bet36365体育注册至少一半的时间. 
• The application for the Federal PLUS Loan includes a credit check; borrowers must either have a good credit history or an endorser who has good credit. 

• 借款人不得拖欠任何联邦教育贷款或拖欠联邦教育补助金. 
• 如果被拒绝，父母可以上诉，或者他们可以让背书人共同签署贷款. 
• 如果学生的父母已经完成了贷款申请，并且没有资格获得联邦直接贷款，则可以获得额外的联邦直接贷款. 

家长如欲申请PLUS贷款资助，可透过: 

• 完成 家长贷款申请. 

• 确保他或她已经完成了一个 家长加主本票 在studentaid.gov at least once. 
• bet36365体育金融援助办公室强烈鼓励受抚养学生的家长在申请家长PLUS贷款之前，通过致电(308)865-8520或发电子邮件向金融援助办公室咨询金融援助顾问 finaid1@be400.com.

The 联邦直接 Graduate PLUS Loan enables graduate students to borrow additional loan from the U.S. 帮助支付教育费用. This loan is a more expensive loan with significantly higher interest rates and origination fees, 而这样的事情只有在学生筋疲力尽之后才能得到 all 一学年内其他联邦直接学生贷款资格. An applicant’s credit is checked by the Department of Education to determine eligibility for this loan. 

一些通用术语如下: 

• 借款人必须是U.S. 公民或永久居民. 
• 固定利率(每年设定) 
• 4 .发起费用.净收益减少228% 
• 在注册至少一半的时间内延期还款 
• 将还款服务与其他联邦学生贷款结合起来 

Contact the bet36365体育财政援助办公室 for more details and for information regarding the application process for this loan. 

总限额是指学生在一个学年(秋季)内可以借到的联邦直接学生贷款的总额, spring, 和夏季学期). The chart below shows the aggregate loan amounts per year based off of a student's grade level.

本科

*如果一个学生被列为 独立的学生 由FAFSA决定，或者如果父母PLUS贷款被拒绝, 他或她将根据年级水平获得联邦直接无补贴贷款资格的指定额外金额.

**该总额不包括独立学生或联邦直接父母PLUS贷款被拒绝的学生可能有资格获得的联邦直接无补贴贷款的额外金额. 得到这些学生的总金额, add the number in the independent column for their grade level to the total in their grade level.

Graduate

The annual aggregate amount of loan a graduate student may qualify for each year is $20,500.00. The lifetime aggregate amount of loan a graduate student may borrow is $138,500.00*.

*This amount includes what the student has borrowed as a graduate student and as an undergraduate student.

联邦学生援助网站

The 联邦学生援助网站, StudentAid.gov，是美国的网站.S. 教育部(ED)学生资助中央数据库. 本网站是 一站式的位置 获得几乎所有与联邦财政援助有关的东西. 

如何使用联邦学生援助网站 

• StudentAid.政府会跟踪的 all 联邦教育贷款(1.e. Subsidized, 未受资助的, Parent PLUS, 和Grad PLUS)由学生或家长从 任何 机构借用.  
• 家长和学生可以在StudentAid上登录他们的仪表盘.gov using their FSA ID; the same login information used to access the FAFSA.  
• 在您的帐户仪表板上, you can view all of your federal loan debts and the interest that has been collected.
• You can view repayment plans, repayment due-dates, and how to repay your loan(s).
• 贷款服务商是 联邦政府指定的公司，代表他们处理你的联邦学生贷款的账单和其他服务. If you want to change your repayment plan or have questions about your loan payments, 您将联系您的贷款服务机构. You can click "View Loan Servicer Details" to find out who your loan servicer is.

还款时间表样本

一旦你毕业了, 从所有班级退学, 或者降至半日入学率以下, you will have a six-month 宽限期 before your federal student loans go into repayment. The default repayment plan that you will be put on is the standard, or level, repayment plan. (你可以通过和你的贷款服务人员谈谈来改变你的还款计划)这将把你每月的还款分成等额，还款计划是10年. 这是最省钱的计划，因为你要付最少的利息. See the sample loan repayment schedules below for the different levels of student loan debt.

标准还款计划时间表样本

固定利率:3.99%

贷款服务商是 联邦政府指定的公司，代表他们处理你的联邦学生贷款的账单和其他服务. 要查看您的贷款服务机构是谁，请登录 studentaid.gov. Below is a list of 贷款服务中心 for Federal Student Loans and their contact information.

教育部贷款服务中心信息

私人学生贷款是银行为高等教育提供的贷款, 信用合作社, 以及网络贷款机构. 私人贷款需要直接向作为私人贷款人的金融机构提交单独的申请. Federal loans have fixed interest rates, while the private loan interest rates are 很大程度上依赖 关于信用记录. 

bet36365体育使用 ELM选择工具 提供学生在过去两年内向私人学生贷款机构借款的历史名单. bet36365体育不推荐任何特定的贷款人, 但提供这个列表作为资源和服务，学生寻求贷款援助超出他们的联邦学生贷款资格. 作为借款人，你可以选择任何贷款人. 贷款人不必是出现在此列表中的一个. 你可以做一个更广泛的搜索私人学生贷款贷款人在线或其他方式，bet36365体育将处理您的贷款与任何贷款人你选择利用. 

ELM选择工具允许您比较几个私人学生贷款贷方的条款，包括:利率, 联保人需求, repayment length and other important loan information to help with your borrowing decision. Take these next steps to access our historical listing of Private Student Loan lenders:

• Visit bet36365体育’s ELM选择工具 
• 选择你的学位等级 
• 在ELM选择工具中查看披露信息和其他资源 
• Select ‘View Loans’ to access the Private Student Loan lender listing and loan terms 

重要的是，申请私人教育贷款的学生必须签署一份 申请人自我认证 form and submit this form to the private lender before the loan may be disbursed.