贷款

贷款

1. 联邦直接补贴贷款和非补贴贷款

   Subsidized and unsubsidized loans are federal student loans for eligible students to help cover the cost of higher education at a four-year college or university, 社区学院, 或贸易, 职业生涯, 或者技校. 美国.S. Department of Education offers eligible students at participating schools Direct Subsidized 贷款 and Direct Unsubsidized 贷款.
   
   Direct Subsidized 贷款 are for students with financial need. Students are not charged interest while in school at least half-time (minimum of 6 hours). Repayment begins 6 months after the student leaves school or drops to less than half-time.

   
   Direct Unsubsidized 贷款 are available to undergraduate and graduate students; there is no requirement to demonstrate financial need. Interest accrues (accumulates) on an unsubsidized loan from the time it’s first paid out. 你可以, 但不是必须的, pay the interest while you are in school or during grace periods, 延期, 或宽容. Another option is to let the interest accrue and be capitalized (that is, 加上你的贷款本金). 如果你选择不支付利息, this will increase the total amount you have to repay because you will be charged interest on a higher principal amount.
   
   Direct Subsidized and Unsubsidized 贷款 for undergraduate students disbursed on or after 7/1/2023 and before 7/1/2024 have an interest rate of 5.50%. 这些贷款的贷款费用也是1.057%. 这笔费用从每次贷款支付中扣除.
   
   New borrowers of Direct 贷款 must complete Direct Loan Entrance Counseling and a Loan Agreement (MPN) online at studentaid.政府.

2. 直系家长PLUS贷款

   The parent borrower must be the student's biological or adoptive parent. (在某些情况下，学生的继父母可能有资格.) The student must be a dependent student (according to the FAFSA). The 直系家长PLUS贷款 is based on a credit check completed by the Department of Education. 信用检查的有效期为180天. Direct Parent PLUS loans disbursed on or after 7/1/2023 and before 7/1/2024 have an interest rate of 8.05%. Direct Parent PLUS loans disbursed on or after 10/1/2023 and before 10/1/2024 have a fee of 4.228%. 这笔费用从每次贷款支付中扣除.

   申请联邦直系父母PLUS贷款
   网上申请: studentaid.政府. 家长将使用他们的FSA ID登录. If the parent does not have an FSA ID, they will apply for one at studentaid.政府. 在父用户登录后 studentaid.政府，他们会按“申请PLUS贷款”.

   If approved, complete a Loan Agreement for a PLUS Loan (MPN) at the same site, studentaid.政府.

3. 私人教育贷款

   The private (alternative) education loan program is available to assist students in covering the remaining balance due after other financial aid has been considered. These non-federal loans are in addition to the student Federal loans already included in the student's financial aid award.

   The interest rates will differ with each lender and accrues from the first date of disbursement. 如果贷款是在学生的名下, typically the student needs a credit-worthy co-signer in order for the loan to be approved. Generally, repayment begins after students graduate, or drop below 6 credit hours. 搜索或申请私人贷款.

4. 护士教育援助贷款计划(俄亥俄州)

   The purpose of Nurse Education Assistance Loan Program is to provide financial assistance to Ohio students enrolled for at least half-time study (or accepted for enrollment) in approved Ohio pre-licensure nurse education program who intend to serve as nurses after graduation. The annual award for the most recent academic year was $1,620/year. 作为交换, 才有资格取消贷款, recipients must be employed full-time as a registered nurse or licensed practical nurse in the State of Ohio for a minimum of five years after graduation.

   请浏览 俄亥俄州教育局 网站了解如何申请.

5. 广东学生贷款基金

   学生可以获得16美元,000 total toward their undergraduate education and an additional $8,如果他们继续读研究生的话. 合资格的学生必须:

   • Graduate from a Stark County high school; be a Stark County resident who was eligible to graduate from a Stark County high school but has graduated from a high school elsewhere; or have earned a diploma from the ABC (A Better Chance) program.
   • Enroll for at least 12 credit hours per term in a post high-school, 本科学位授予计划. This includes associate degree, technical-school and trade-school programs.
   • Have and maintain minimum term and cumulative grade point averages of 2.0.

   
   请访问 http://www.cantonstudentloan.org/ 有关如何申请的说明!