贷款
An education loan is a form of financial aid that must be repaid, with interest.
Eligibility may be based on 出勤费用 and financial need for the loan. Each loan type comes with certain eligibility requirements and terms that must be met.
联邦贷款
联邦直接补贴贷款
联邦直接补贴贷款 (补贴斯塔福德贷款)是基于需要的, 仅限本科生, and do 不 accrue interest while a student is enrolled in school at least half-time or during deferment periods.
如何申请
- 学生必须填写一份 免费申请联邦学生资助 以及其他需要的表格.
- 借款人必须填写一份 入学咨询 和一个 主本票.
最高奖励金额
| 一年 | 依赖学生 | 独立的学生 |
|---|---|---|
| 新生 | $3,500 | $3,500 |
| 二年级的学生 | $4,500 | $4,500 |
| 初中 & 老年人 | $5,500 | $5,500 |
偿还贷款
Six months after you terminate your education or cease to be enrolled half-time, 开始偿还贷款. Repayment, in most cases, must be completed within 10 years.
All Federal Subsidized Direct Loan borrowers must complete an exit interview before graduation, 退出或离开弗罗斯特堡州, even though they may plan to return at some time in the future.
联邦直接无补贴贷款
联邦直接无补贴贷款 (Unsubsidized 工作人员ord 贷款) are non-need-based and do accrue interest while a student is enrolled. This loan is available to undergraduates and graduate/professional students.
如何申请
- 学生必须填写一份 免费申请联邦学生资助 以及其他需要的表格.
最高奖励金额
| 一年 | 依赖学生 | 独立的学生 |
|---|---|---|
| 新生 | 5500美元(补贴3500美元) | 9500美元(补贴3500美元) |
| 二年级的学生 | 6500美元(补贴4500美元) | 10,500美元(补贴4,500美元) |
| 初中 & 老年人 | 7,500美元(补贴5,500美元) | 12,500美元(补贴5,500美元) |
| 研究生学位/专业 | 不适用 | $20,500 |
总贷款限额
There are limits on the total amounts that you may borrow for undergraduate and graduate study (aggregate loan limits).
- Undergraduate dependent student borrowing is by limited annually by academic grade level, 不超过31美元,000 ($23,其中为资助贷款).
- Undergraduate independent student borrowing is 不 to exceed $57,500 ($23,其中为资助贷款).
- Graduate student borrowing 不 to exceed $138,500 ($65,500 of which is subsidized loans) including undergraduate loan balances.
联邦直接附加贷款
直接PLUS贷款 are available to the parents of undergraduate students (Parent PLUS) and to graduate and professional students (Grad PLUS). 直接PLUS贷款 have a fixed interest rate for the life of the loan. The maximum PLUS loan amount you can receive is the cost of attendance minus any other financial aid received.
偿还贷款
Repayment on parent PLUS loans begin after the loan has been fully disbursed, unless special arrangements have been made and finalized between the borrower and lender.
对于Grad PLUS贷款, you don't have to start making payments until six months after you graduate, 离开学校, 或者降至半日入学率以下.
联邦贷款要求
All students and parents seeking a federal loan must complete the 年度学生贷款确认书(ASLA) at least once every award year before any student or parent loan funds can be disbursed. 通过完成ASLA, you are acknowledging that you understand that all loans must be repaid, as well as how much you currently owe in federal loans. 完成ASLA时, 你会得到关于FSU的数据, 比如成本, 毕业率, 和一个verage total debt borrowed per student based on each student's current program of study. You will also be provided with an estimated monthly loan payment, the amount of loans that you have borrowed so far, as well as program borrowing limits (lifetime aggregate loan limits).
选择贷款
Alternative loans are private education loans 和一个re 不 federally regulated loans. The fees, interest rates, and repayment terms are set by the lender. These loans are only recommended by our office as a last resort.
自我认证
All students who are applying for a private loan must complete a self-certification form and return it to their lender before their loan can be approved. This form will be provided to you by your lender; however, you may also obtain the form from us.
另类贷款机构名单
这所大学列出了几个 替代贷款机构 澳门十大赌城官方网站的学生经常使用的. 请记住，你是 不 required to use one of the lenders displayed on this list and Frostburg State does 不 endorse any particular private loan company. 这些贷款人是为 仅供参考. The following will enable you to compare popular private loan lenders, as well as provide you with their contact information should you choose to apply.
弗罗斯特堡州坚持 马里兰大学贷款行为准则.
The lenders which appear on the list were chosen because they met carefully selected criteria and offer services we feel are an asset to the students of 澳门十大赌城官方网站.
偿还贷款
Students may check their loan history by logging into the National Student Loan Database for Students. This website provides information on the original amount, 支付金额, and outstanding balance for each federal loan borrowed by a student. It also provides information on each loan's interest rate 和一个ccumulated interest.
联邦贷款偿还计划
It’s important to find the right repayment plan for you in order to manage your money and make timely payments on your student loans after graduation. The government offers a variety of repayment plans to cater to different individuals’ needs. The federal loan repayment plans are listed below:
- 标准还款计划
- 分级还款计划
- 延长还款计划
- 收入还款计划(IBR)
- 即赚即付还款计划
- 视收入而定的还款计划
- 考虑收入的还款计划
违约率
Frostburg State's current default rate is 6.6%. A default rate is the percentage of a school's borrowers who entered loan repayment during a specific year and then defaulted on that loan prior to the end of the next fiscal year. 如果学生拖欠贷款, then that student is more than 270 days behind on their loan payment. The national cohort default rate average is currently 9.7%.
纠纷
Students having difficulties resolving a dispute over their federal education loans are given the option of contacting a 联邦学生援助申诉专员 to help find a solution to any problem that they have 不 been able to resolve through other channels.