本科生联邦直接学生贷款

    • These are low interest rate loans made to undergraduate students attending accredited colleges and universities.
    • A FAFSA must be completed to have your eligibility determined for this loan program.
    • This loan(s) will be listed in your financial aid offer if you are determined to be eligible.
    • 这些贷款的利率是固定的，是5.2023年7月1日或之后发放的新贷款的50%. Interest rates for the new academic year are determined by July 1 each year.
    • There is a loan fee that is deducted from the loan before it is disbursed to the school. The fee for loans first disbursed on or after October 1, 2020, is 1.057%.
    • Students must be enrolled in at least a half-time status to be eligible.

    There are two types of Direct Student Loans for undergraduate students, Subsidized and Unsubsidized and the FAFSA results determine the student's eligibility for the type of loan(s) offered.

    • 直接资助学生贷款

      • A federally subsidized loan program which is available on the basis of financial need.
      • 美国.S. 教育部 pays the interest while you're in school at least half-time, 以及在其他特定时期.

    • 直接无补贴学生贷款

      • 美国.S. 教育部 does NOT pay interest on this type of loan.
      • Interest will start accruing on the date of your first disbursement.
      • Students may pay interest while in school but have the option to defer paying the interest until the loan goes into repayment.

  • 下面的图表提供了 最大 学生可借的贷款金额.

    年级水平 本科生 额外的金额* * (独立的学生 & 被拒绝申请直系父母贷款的受养人)
    第一年
    少于27学分     		$5,500 $4,000
    第二年
    28 -56学分     		$6,500 $4,000
    三、四年级
    57学分+     		$7,500 $5,000
    Maximum Total Debt from 联邦直接学生贷款 as an undergraduate student $31,000 with a 最大 of $23,000 in Direct Subsidized Student Loan $57,500 with a 最大 of $23,000 in Direct Subsidized Student Loan

    注意: 这些数额是联邦最高限额. At least $2,000 of the 最大 for each grade level will be Direct Unsubsidized Student Loan. 个人学生贷款是基于需求水平, 预期成本, 其他财政援助, 还有其他因素. 借款人须注意，预付费用为1英镑.2020年10月1日或之后发放的贷款为057%.

    **Additional Loan amounts are available to eligible independent undergraduate students or dependent students whose parent is unable to borrow under the Federal Direct Parent PLUS Program.

    • 步骤1: 完成学生贷款入学咨询

      这是联邦政府的要求. It is a learning tool that is designed to provide you with some financial literacy and lets you know your rights and responsibilities in borrowing and repaying federal Direct student loans. 学生贷款入学辅导完成于 studentaid.政府 / entrance-counseling /

    • 步骤2: 签主本票

      Signing the Master Promissory Note indicates your commitment to repay the loans you borrow.

      • You have the right to decline federal Direct student loans if you do not need the money to assist with paying your educational expenses.
      • You may cancel a pending federal Direct student loan after the Master Promissory Note has been submitted by notifying the 金融援助 Office in writing, at financialaid@quasartires.net.
      • The Subsidized/Unsubsidized 联邦直接学生贷款主本票 is signed at studentaid.政府 /或然数
    • Submit all required documents to the 金融援助 Office to complete your file.
    • 当你的贷款被处理后，美国银行将会.S. 教育部 will place your loans with a federal loan servicer (company that collects the repayment of your loan(s)). That company will contact you about repaying the loans you borrowed.
    • 从你毕业后开始还款, 离开学校, 或者不再注册，至少是半天的状态. There is a six-month grace period before you begin repayment, 除非你已经使用了宽限期, 或者你合并了你的贷款.
    • 要查看已处理的贷款，请登录联邦网站 studentaid.政府 使用您的用户名和密码.
    • 以下链接提供了有关的重要信息 偿还贷款. Repayment plans and calculators are available as well as information on Postponing Repayment (Deferment, 宽容), 公共服务贷款豁免, 取消及合并. 你可以使用 还款模拟器.

  • 监察专员组: The Student Loan Ombudsman’s Office has been established by the Dept. of Education to resolve problems between borrowers and the school, 银行, 担保人, 贷款服务机构. 你可以在网上提交投诉 http://studentaid.gov/feedback-center/ 或者可以通过以下方式与他们联系:

    电话: 1-800-433-3243
    传真: 606-396-4821

    邮局的邮件:
    U.S. 教育部
    金融服务管理局申诉专员小组
    P.O. 1854箱
    蒙蒂塞洛，肯塔基州42633