贷款种类

联邦直接贷款(FDL)是一项联邦财政援助计划，根据该计划，贷款资金可用于学生的教育费用. 富戴劳提供低息贷款, 本科和研究生每学期至少修满6个学分，并且是美国学生.S. 公民或永久居民.

The Federal Government provides a comprehensive explanation of all FDL provisions, 术语, 以及他们的还款 网上的学生援助 网站. 点击页面左侧的“联邦学生援助计划”按钮，获取具体助学金和贷款的信息. 以下信息概述了富戴劳的基本条款和条件.

一般直接贷款拨备

The FDL Program makes two types of loans available to students: a subsidized loan and an unsubsidized loan.

补贴直接贷款资格是根据联邦需求分析方法确定的财务需求. 当学生有资格获得补贴贷款时, 在学生入学期间，联邦政府代表学生支付利息，至少在一半时间的基础上，之后六个月(宽限期)。. Students who do not qualify for any or a full subsidized loan are eligible for the unsubsidized Direct Loan. 在无补贴的富戴劳计划下, the student is responsible for making the interest payments while enrolled in school. 关于这些利息支付有两种选择. 学生在注册期间可以每月支付利息, 或者学生可以同意在偿还时加上贷款本金的利息(这被称为资本化).

直接贷款在支付时扣除1%的联邦费用. The interest rate is a fixed rate, which is set by the federal government on July 1 of each year. For undergraduate students, the subsidized/unsubsidized interest rate for 2018-19 is 5.05%. 研究生的无补贴利率为6%.60%.

本科 Dependent Students may borrow up to the following annual FDL limits. 每年富戴劳的限额是:5美元,500美元(只要3美元),一年级学生可获资助500英镑, $6,500美元(只要4美元),二年级学生500元(可补贴), 和7美元,500美元(只要5美元),低年级和高年级学生可获得500元(可补贴).

独立本科学生或父母无法获得联邦直接PLUS贷款的受抚养学生可以借到以下年度FDL限额:9美元,一年级学生500美元(仅需3美元),500个可补贴), $10,二年级学生500美元(只要4美元),500个可补贴), 和12美元,大三和大四学生500美元(只要5美元),500个可补贴).

研究生最多可以借到20,500美元的无补贴贷款.

Students may not borrow more than the annual loan limit in any combination of subsidized or unsubsidized FDL. 也, 学生的年度FDL不得超过批准的联邦出勤费减去任何其他类型的经济援助.

还款

一般, 在学生休学六个月后开始偿还贷款本金，还款时间至少为一半. The standard repayment period may extend up to ten years depending on the total amount borrowed. 每月最低还款额是50美元. 其他几个 还款计划 都是可用的.

申请程序

接受一个富戴劳, students must annually file the Free Application for Federal Student 援助 (FAFSA), 完成入学辅导, 并填写富戴劳总本票(MPN). 虽然FAFSA必须在每个学年完成, Entrance Counseling and the FDL MPN are one-time requirements to be completed prior to borrowing the first loan.

入学咨询是联邦政府对所有FDL借款人的要求. 这种咨询将帮助学生了解富戴劳的条款和规定，以及他们作为借款人的权利和责任. 富戴劳MPN被设计为一种多年期票据, 最长期限为十年, 并可用于处理学生在随后几年的FDL. 因此, students will only need to 完成入学辅导 and the FDL MPN once for enrollment at Alfred University.

完整的 富戴劳入学辅导和/或MPN

You will need your Federal Student 援助 (FAFSA) PIN number to enter the 网站.

请注意: Both the entrance counseling and the FDL MPN must be completed before your loan can be certified. Alfred University will be notified electronically when you have completed entrance counseling.

The Federal Direct PLUS Loan is a federal educational loan program which provides low-interest loans, 适用于受供养本科生的家长(家长PLUS贷款)和研究生(研究生PLUS贷款). The Federal Direct PLUS Loan is not a need-based loan or based on a specific income level. However, borrowers must demonstrate a satisfactory credit rating to participate. 借款人和学生必须是美国公民.S. 公民, 永久居民, 或符合条件的非公民，学生必须参加至少一半的时间(每学期六个学分)的学位授予计划.

The Federal Government provides a comprehensive explanation of all Federal Direct PLUS Loan provisions, 术语, 还有还款计划 网上的学生援助 网站. 点击页面左侧的“联邦学生援助计划”按钮，获取具体助学金和贷款的信息. The following information summarizes the basic Federal Direct PLUS Loan terms and conditions.

一般联邦直接加贷款条款

PLUS borrowing is limited to the cost of education minus other financial aid resources. 在2018-19学年，PLUS贷款的固定利率为7.0%.6%是由联邦政府设定的. 还款 of principle and interest generally begins 60 days after full disbursement. The interest is not subsidized while the student is in school and will begin to accrue with the first disbursement. Federal regulations require 4% Federal fees be deducted from the loan at disbursement.

参与, borrowers must demonstrate a satisfactory credit rating according to federal guidelines and credit standards. An applicant's credit standing is determined upon receipt of a PLUS Loan application. 申请人确定有不良信用记录, may receive a loan if the applicant obtains a credit worthy endorser or successfully appeals a credit decision.

还款

The PLUS Loan repayment period begins 60 days after full disbursement of the annual loan amount. 例如, 2018-19学年的贷款将在1月初偿还2019年春季学期的贷款时“全额支付”, 在三月初支付第一笔贷款的本金和利息.

The monthly payment and the repayment period will depend on the amount borrowed. The minimum monthly payment will be at least $50, and the repayment period may extend up to 10 years.

在至少半学时(6个或更多学时)注册的毕业生PLUS贷款借款人可能会在注册期间获得延期偿还本金和利息, 在离开学校后的6个月.

家长PLUS借款人可以在其代表的本科学生在校期间以及学生毕业或低于半学期入学后的六个月内推迟支付本金和利息. 如果父母本人至少有一半时间在大学攻读学位，也可以推迟付款.

PLUS申请程序

获得PLUS贷款, the Free Application for Federal Student 援助 (FAFSA) must be filed annually for the student. 借款人必须填写PLUS贷款主本票(PLUS MPN)，借款人必须每年申请贷款, 并证明令人满意的信用.

Although the FAFSA and a loan request must be completed for each academic year, PLUS MPN只需要填写一次. PLUS MPN的设计是作为一个多年的票据, 最长期限为十年, and can be used to process the borrower's PLUS Loan eligibility in subsequent years. 因此, a borrower will need to complete the PLUS MPN only once during the student's enrollment at Alfred University.

研究生贷款咨询: 入学咨询是联邦政府对所有毕业生PLUS借款人的要求. 本次咨询会议将帮助研究生了解PLUS贷款的条款和规定，以及他们作为借款人的权利和责任. PLUS入学咨询只需要完成一次, 在获得第一笔毕业生PLUS贷款之前.

1. 文件的 FAFSA.
2. 完成 PLUS贷款MPN 和/或 申请PLUS贷款. You will need your Federal Student 援助 (FAFSA) PIN number to enter the 网站.
3. 完成要求的毕业 学生PLUS入学辅导. You will need your Federal Student 援助 (FAFSA) PIN number to enter the 网站.

请注意:入学咨询和PLUS贷款MPN都必须在你的贷款被认证之前完成. 也, Alfred University will be notified electronically when you have completed entrance counseling.

校友贷款计划
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资格

全日制在校本科生.S. 公民或永久居民可以申请.

价值

资格 is based on financial need as determined by the Office of Student 金融援助. 年度奖金一般从500美元到2000美元不等. 在学生停止注册为半日制学生后九个月开始偿还贷款加利息. 利率是5%. 每月最低还款额为50美元.

如何申请

完成 FAFSA.

Private education loans are non-federal loans offered by private lending institutions. 当需要额外的资源来支付家庭资源和其他形式的财政援助无法支付的教育费用时，一些家庭使用私人教育贷款. 这些贷款通常比联邦直接贷款计划更昂贵，只有在联邦贷款资格(直接和附加贷款)用尽时才可以使用. 以下条款和条件通常适用于大多数私人贷款项目，旨在帮助学生和家庭了解私人贷款. 学生和家庭应该经常咨询贷款人的具体条款和条件的贷款计划，他们正在考虑.

请访问 FASTChoice 开始寻找私人教育贷款.

一般私人贷款条文

借款人

贷款是在学生的名下. 然而，对于大多数贷款项目，本科生将需要一个共同签署人. Some loans have a cosigner release option after a certain number of on-time monthly payments, 一般是24到48岁.

资格要求

Applicant must be 18 years of age; a U.S. citizen or eligible non-citizen; enrolled at least half-time in a degree program; credit worthy or apply with a credit worthy cosigner.

贷款金额

The maximum amount students may borrow is the school's cost of attendance less other financial aid. 贷款人的最低贷款额通常为500美元或1000美元.

利率

私人贷款通常有可变利率，利率是基于一个指数，如伦敦银行间拆放款利率(LIBOR)或PRIME，再加上一个额外的百分比，这取决于申请人和担保人的信用评分. 例如, a loan program's interest rates may range from Prime plus 1% to Prime plus 5%. 最高的信用评分将获得Prime + 1%，最低的信用评分将获得Prime + 5%.

偿还条款

Payment periods typically range up to 15 or 20 years depending on the amount borrowed. 一些贷款允许更长的期限. 还款 options generally include immediate repayment of principle and interest, 在注册期间只支付利息, 或在入学期间延期支付本金和利息.

私人贷款选择-信息

对于大多数私人贷款项目, 学生必须每年完成每学年的申请. 贷款申请可以在贷款机构的网站上完成.

The first step is to choose a private loan which will meet the family’s and student’s needs. 帮助家庭寻找贷款人, k8彩乐园app官网下载通过FASTChoice网站提供了一份贷款机构名单. 请注意, this list does not include all private loan lenders and students may look beyond this group. It is simply a listing of lenders which AU students and families have used over the past three years. Students may choose any private loan they wish and are not obligated to use a lender from this list. 除了, FASTChoice网站提供了良好的消费者信息，包括对贷款条款和条件的比较工具, 有用的还款计算器, 以及在线申请的链接.

Alfred University does not endorse or recommend any specific lender(s) for a private education loan. 这些贷款的条款和条件各不相同, 家庭必须研究并决定哪种贷款最能满足他们的需求.

请访问 FASTChoice 开始寻找私人教育贷款.

暑期学校

目前对暑期学校的私人贷款感兴趣的学生应该访问学生经济援助办公室进行咨询，并探索暑期学校的援助选择.