第一步:在线完成入学咨询

First time borrowers must complete entrance counseling prior to applying for a Federal Direct Loan. Parents should not 代表他们的学生完成会议, as this is a federal requirement designed to benefit each student’s understanding of his/her rights and responsibilities.

1. Visit studentaid.gov
2. 点击“管理贷款”选项卡.
3. Click on “完成入学辅导，在“我开始上学还是在校”一栏下.
4. 使用您的FSA ID和密码登录
5. 你的成绩将以电子方式发送给浩博体育app.

Note: 如果你以前借过我们的联邦斯塔福德贷款流程, 你不需要再次完成入学咨询. However, 如果你想复习一下, all students can complete the above process for their Federal Direct Loans.

第二步:在线填写主本票(MPN)

借款人必须填写MPN studentaid.gov

1. 在“完成援助程序”选项卡下选择“完成主本票”
2. 在“我是本科生”部分选择“登录开始”
3. 完成后，浩博体育app将自动通知.

这些奖项是根据证明的经济需求颁发的. Interest is not charged while you are enrolled at least half-time or otherwise qualify for a deferment. The federal government “subsidizes” (or pays) the interest during these times. 还款在你毕业六个月后开始, 完全离开大学或至少有一半时间不再入学. 这种贷款的利率是5.50% for loans first disbursed on or after July 1, 2023 and before July 1, 2024, i.e.2023-2024学年.

These are available to all students because they are not based on financial need. The interest rate is also 5.50% for loans first disbursed on or after July 1, 2023 and before July 1, 2024, i.e.2023-2024学年. The interest accrues from the time the loan is disbursed until it is repaid in full. There is no payment due until six months after you are no longer enrolled at least half-time. However, you are strongly encouraged to make interest payments during your time in college or else accrued interest will capitalize on the loan.

你可以每年通过联邦直接贷款计划借款.

If you borrow the full Direct Loan amount available in each academic year, 你的累计借款总额为27美元,000, as outlined below:

• 第一年:5,500美元(最高可获得补贴3,500美元)
• 二年级:6,500美元(最高可补贴4,500美元)
• 初级:7,500美元(最高可获得补贴5,500美元)
• 高年级:$7,500(最高可获资助$7,500)

The Federal Direct Parent Loan for Undergraduate Students (PLUS Loan) is a popular option for families who wish to use a low-interest loan to cover college expenses.

它可以用来补充你的学生的援助奖励, 或者可以用来支付全部的教育费用.

• 父母必须有信用，但对收入没有要求.
• 不需要抵押品或委托人.
• 申请前需要完成FAFSA.
• Loans are payable 60 days after the final disbursement of the loan and payable over 10 years.
• Deferment of repayment is available upon request as long as the student is enrolled at least half-time.
• PLUS贷款利率固定在8.05% and has a 4.228% loan origination fee.
• 估算你的PLUS贷款成本与 Federal Loan Simulator.

联邦家长PLUS贷款申请说明

家长可以通过以下方式申请联邦直接家长贷款 visiting studentaid.gov.

• 在主界面，选择“申请援助”
• 在“申请PLUS贷款”下选择“Apply for a Parent PLUS Loan”
• Log in using your FSA ID and Password to begin the Parent PLUS Loan application.
• PLUS进程将询问家长的信息, 允许家长指定贷款金额并启动信用检查.
• 申请贷款的家长个人也将填写一份 Master Promissory Note (MPN) online at studentaid.gov. The MPN can be
• 信用证一经批准即完成.
• The request is not complete until Susquehanna has both the initial application and the Master Promissory Note on file. Unlike the Federal Direct
• 有补贴和无补贴学生贷款, the Direct Parent PLUS loan request and credit check must be completed annually for each loan.

After you have completed the application for the Parent PLUS loan and you have been denied, 你会有以下四个选择:

•  我不希望追求PLUS贷款在这个时候
  • If you choose this option, the PLUS loan will not be processed and the student will be awarded additional unsubsidized loan funds.
  • 如果您不希望获得额外的无补贴贷款, 请联络学生财务服务
• I will obtain an endorser *
  • Choose this option if you would like to add a co-signer to your Parent PLUS application. Your application will be processed after we received notification of the endorser approval.
    
    
• 我想对信贷决定提出上诉
  • Choose this option if you believe the credit check is inaccurate or you can provide updated information about extenuating circumstances.
    
    
• Undecided **
  • If you choose this option, the student will be awarded additional unsubsidized loan funds.
    • 第一学年每学年最多额外支付4000美元 & second-year students.
    • 第三学年每学年最多额外5000美元 & fourth-year students.
  • 如果您不希望获得额外的无补贴贷款, 请联络学生财务服务

*如果您正在获得背书或上诉您的信贷决定, your PLUS Loan will be treated as a denial until the school receives certification that your endorsed/appealed loan as been approved. This means that the student may be awarded additional unsubsidized loan funds until the school is notified of your updated credit decision. Once the school is notified, any additional unsubsidized loan awarded due to the original denial will be returned and the PLUS Loan will be awarded in its place.

**如果在任何时候你想改变你所选择的选项, contact the Department of Education Loan Support Center at 800-557-7394.

The United States Congress recently passed a law preventing further extensions of the federal student loan repayment pause associated with the federal COVID-19 emergency. 联邦学生贷款将于9月1日开始计息, 2023, 这笔款项将于2023年10月到期. The federal government will notify federal student borrowers prior to the restart of payments but in the interim here is some helpful information to help you prepare for the resumption of payments.

1. 更新你的个人资料中的联系信息 loan servicer’s website and in your StudentAid.gov profile.

• 你的“贷款服务商”是负责收款的公司, 回复客户服务咨询, and performs other administrative tasks associated with maintaining a federal student loan. If you’re unsure of who your federal student loan servicer is, you can look it up in “My Federal Student Aid.”
• 以下是目前联邦学生援助贷款服务机构的名单:

2. Contact your loan servicer (by email or phone) to obtain an estimate of your payment amount and due date.

3. Review your auto-debit enrollment with your loan servicer or sign up for the first time. 你必须直接联系你的贷款服务网站来做这件事.

4. 查查联邦学生援助办公室 Loan Simulator to find a repayment plan that meets your needs and goals or to decide whether to consolidate.

• 在COVID-19紧急情况期间，您的情况可能发生了变化. Now is a great time to think about whether you’re on the best repayment plan for you.

5. Consider applying for 收入驱动还款计划. An IDR plan can make your payments more affordable, depending on your income and family size.

6. BEWARE of scams associated with the restart of federal student loan repayment. Don’t accept unexpected offers of financial assistance or help (such as “pandemic grants” or “Biden Loan Forgiveness”. Click here 有关如何避免诈骗的更多资讯.

7. As a last resort, contact your loan servicer to ask for short-term relief via a loan deferment or forbearance. 如果你现在找不到适合你的还款计划, you can request to temporarily pause or lower your payments through short-term relief (deferment or forbearance).

• Remember, a normal deferment or forbearance is different from the COVID-19 emergency payment pause. 在延期或延期期间，利息仍可累积. 延期和延期也会影响贷款减免的选择, 比如公共服务贷款减免或IDR计划减免.

8. 了解如果你错过了联邦学生贷款的偿还会发生什么.

• 如果你错过了付款，你的贷款就会拖欠. 如果你的贷款拖欠超过90天, your loan servicer will report the delinquency to the three major national credit bureaus. Delinquency will affect your credit score, making it harder to get credit. 270天后，你的拖欠贷款就会违约.
• 当你拖欠贷款时，会发生以下情况:
  • 你可能会失去获得更多学生资助的机会.
  • 默认状态将损害您的信用评分.
  • 政府可以收回你的退税, 这是你社会保障福利的一部分, 或者用你薪水的15%来偿还你拖欠的贷款.

• 关于获得贷款的说明
• Loan repayment simulator