肖尼 State University understands that managing the cost of education may be a challenge for many families. 除了补助金, 奖学金和联邦工作学习, there are several student loan options available to students and their families.
威廉希尔体育参与了 威廉D. 福特联邦直接贷款计划. 当你从直接贷款计划借款时, 贷款由联邦政府直接给SSU. 贷款收益将被应用到您的学生账户，以支付您的学费, 收费及其他批准收费. Once your student account is paid in full, any remaining loan funds are issued to the student.
完成FAFSA的学生可以获得联邦直接学生贷款. 这种贷款可以是补贴型、非补贴型或两者兼而有之. 这笔贷款在学生名下，由学生自己偿还. 资格是由参加总Fees决定的, FAFSA的结果, 以及其他经济援助资源. 学生 must be enrolled and attend at least half time (6 hours for undergraduate; 5 hours for graduate) to be eligible for a student loan.
补贴贷款
这是一种按需贷款. 的 government pays the interest while the student is in school at least half time, 在六个月的宽限期内, 在任何延期期间.
未受资助的贷款
这是一笔非按需贷款. 的 student is responsible for the interest from the time of disbursement until the loan is paid in full. 的 student may pay the interest while in school or the interest may be capitalized (added) to the principle loan amount. 学生 are encouraged to pay the interest while in school to help keep their total loan debt lower.
利率
的 interest rate on the Direct Loan is a fixed rate for the life of the loan. Interest rates are determined at the end of May based on the 10 year treasury note and are set beginning July 1 through June 30 each year.
2019- 2020年利率
| 类别 | 补贴 | 未受资助的 |
|---|---|---|
| 本科 | 4.529% | 4.529% |
| 研究生 | N/A* | 6.079% |
贷款Fees
对于在2019年10月1日或之后首次支付的贷款，美国财政部将向其发放贷款.S. 教育部将收取1美元.059%的贷款Fees于处理您的贷款. 贷款Fees从每次贷款支出中扣除. 这意味着98.贷款总额的941%将用于学生账户. 这项Fees将一直有效，直到国会做出改变.
For loans first disbursed on or after October 1, 2018, the loan fee will be 1.062%. 这意味着98.贷款总额的938%将用于学生账户.
贷款金额
贷款金额根据年级水平而定, 依赖状态, 学术专业, 以及学生的其他经济援助资源.
每年最高贷款金额
| 依赖学生 | Independent 学生 and 依赖学生 whose parents were denied a PLUS loan | ||
|---|---|---|---|
| 借款人学术水平 | 补贴和非补贴总额 | 补贴和非补贴总额 | 补助贷款限额 |
| 新生(0-29小时) | $5,500 | $9,500 | 不超过3500美元 |
| 二年级(30-59小时) | $6,500 | $10,500 | 不超过4500美元 |
| 初级 & 高级(60小时以上) | $7,500 | $12,500 | 不超过5,500美元 |
| 研究生 | N/A | $20,500 | 不可用* |
最高总贷款额
| 补助贷款限额 | 资助/非资助贷款限额 | |
|---|---|---|
| 依赖学生 | $23,000 | $31,000 |
| 独立的学生 | $23,000 | $57,500 |
| 研究生 | $65,000* | $138,000 |
*As of July 1, 2012, subsidized student loans are no longer available for graduate students.
支付
的 first disbursement of a loan for a first-time borrower who is a first-year undergraduate student must be delayed until 30 days into the first semester. 一旦SSU收到创建信用余额的资金，就会发放退款.
If a student is applying for a one semester loan, the loan will come in two disbursements. 的 first disbursement will be a the beginning (or 30 days into the semester) and the second disbursement will be at the midpoint of the semester. Refunds are issued once SSU receives the funds that create the credit balance.
本票
All students who apply for a Federal Direct Loan are required to complete a Federal Direct Loan Master 本票 (MPN). 的 MPN可以在线完成.
MPN是你和美国的合同.S. 教育部. 通过签署MPN，你承诺偿还你的学生贷款. 的 MPN is good for up to 10 years and you may receive additional loans using the same MPN.
入学咨询
All students who are first-time borrowers with the Federal Direct Loan Program must complete entrance counseling. 入学咨询可以在网上完成. Entrance counseling must be completed before the 金融援助 Office will certify your student loan.
偿还学生贷款
You are required to begin making payments on your student loans six months after you graduate, 离开学校, 或降至半程注册状态以下. 的 Federal Direct Loan Program offers several repayment plans as well as deferments, 忍耐, 和整合. 您可以选择最适合自己的付款方式. 以下是可用的还款计划列表.
标准还款计划
根据这个计划, you will make fixed monthly payments and repay your loan in full within 10 years (not including periods of deferment or forbearance) from the date the loan entered repayment. 你每月的还款至少是50美元，甚至更多, 如果有必要的话, 在规定的时间内偿还贷款.
毕业还款计划
根据这个计划, 你通常会在一开始支付较低的金额, 你的付款会随着时间的推移逐渐增加. You will repay your loan in full within 10 years (not including periods of deferment or forbearance) from the date the loan entered repayment. No single payment will be more than three times greater than any other payment.
延长还款计划
根据这个计划, you will repay your loan in full over a period not to exceed 25 years (not including periods of deferment or forbearance) from the date the loan entered repayment. You may choose to make fixed monthly payments or graduated monthly payments that start out lower and gradually increase over time. 如果你按月固定还款, 你的付款至少是每月50美元，如果有必要还会更多, 在规定的时间内偿还贷款. You are eligible for this repayment plan only if (1) you have an outstanding balance on Direct Loan Program loans that exceeds $30,000, and (2) you had no outstanding balance on a Direct Loan Program loan as of October 7, 1998年或10月7日后您获得直接贷款计划贷款之日, 1998.
收入或有还款计划
根据这个计划, your monthly payment amount will be based on your annual income (and that of your spouse if you are married), 你的家庭规模, 及你的直接贷款总额. 直到美国.S. 教育部 obtains the information needed to calculate your monthly payment amount, your payment will equal the amount of interest that has accrued on your loan unless you request forbearance. 当你的收入发生变化时，你的支付也会发生变化. If you do not repay your loan after 25 years under this plan, the unpaid portion will be forgiven. 你可能需要就任何被减免的金额支付所得税.
基于收入的还款计划
根据这个计划, your required monthly payment amount will be based on your income during any period when you have a partial financial hardship. 您的月供金额可能每年调整. 本计划的还款期限最长可超过10年. 如果你在规定的时间内满足了某些要求, 你可能有资格取消任何未偿还的贷款余额.
借款人的权利和责任
你有权:
- Written information on your loan obligations and information on your rights and responsibilities as a borrower.
- 一个宽限期，并解释这意味着什么.
- 披露声明, 在你开始偿还贷款之前收到, 这包括利率信息, Fees, 你所欠的余额, 还有支付的次数.
- Deferment of repayment for certain defined periods, if you qualify and if you request it.
- 忍耐，如果你有资格，如果你要求忍耐.
- Prepayment of your loan in whole or in part any time without an early-repayment penalty.
- A copy of your promissory note either before or at the time your loan is disbursed.
- 证明你的贷款已全部还清.
你的职责是:
- Completing exit counseling before you 离开学校 or drop below half time enrollment.
- 即使你没有完成学业，也要偿还贷款, 你对所受的教育不满意, 或者你毕业后找不到工作.
- Notifying your school and the Direct Loan Servicing Center if you move/change your address or change your name.
- 在宽限期结束后按月还款, 除非你有延期或缓期.
- Notifying the Direct Loan Servicing Center of anything that might alter your eligibility for an existing deferment or forbearance.
需要帮助?
有关学生贷款的更多信息或问题, 请致电(740)351-4243与经济援助办公室联系.