Educational loans are low interest loans that must be repaid. 许多学生利用教育贷款与其他援助来源和融资策略相结合，使三位一体教育成为可能. 

希望将贷款作为经济援助一部分的学生应在申请前完成所有申请步骤 付款截止日期.

 

 了解你的选择

贷款 are available through four primary sources:

  • 联邦银行
  • 国有银行
  • 机构贷款人
  • 私人银行

 做好调查研究

  • 研究 loans before making a choice of a program to pursue.
  • 在寻求贷款之前用尽所有其他的援助选择，只借你需要的.
  • 你的学生贷款应该只占你毕业后工资的一小部分.

 赌博平台网站大全

学生财务服务
1 - 800 -三位一体
studentfinancialservices@athensairportcarrental.net

如果您对提交FAFSA和CSS档案(仅适用于首次援助申请人)所提供的贷款有任何疑问，我们可以在这里咨询。, or if you have questions about additional borrowing options.

 

在本页:
联邦贷款
机构贷款
私人贷款

联邦贷款

联邦贷款的借款人必须是美国公民.S. citizens or eligible non-citizens.

  • 固定利率为5.50%(可能会有变化) loans disbursed on or after July 1, 2023.
  • U.S. Federal Government subsidizes, (pays interest), while you are in enrolled school.
  • You must apply annually (complete a FAFSA application) and demonstrate financial need.
  • 赌博娱乐平台网址大全 determines whether you are eligible and originates the loan application.
  • 贷款是1.057% (subject to change) origination fee, which is taken from the loan at the time of each disbursement.
  • Available to Undergraduate students enrolled at least half-time (6 hours).
  • 偿还本金和利息开始于你毕业后6个月或你至少有一半的时间不再入学.
  • You have up to 10 years for repayment of this loan.
  • This loan may be consolidated with other Federal education loans.
  • 根据联邦直接贷款计划首次向赌博娱乐平台网址大全借款的学生需要完成入学咨询, and a Master Promissory Note (MPN) online at http://studentaid.政府.
  • 根据联邦法规，每年7月1日或之后发放的新贷款的利率将继续每年变化.

How to 应用 for a Federal 直接资助贷款

  • 固定利率为5.50%(可能会有变化) 本科生 和7.05%(可能会有变动 研究生阶段的学生 for loans disbursed on or after July 1, 2023.
  • 在你入学期间以及延期期间，贷款继续产生利息.
  • You must apply annually (complete a FAFSA application.)
  • 赌博娱乐平台网址大全 determines whether you are eligible and originates the loan application. 
  • 贷款是1.057% (subject to change) origination fee, which is taken from the loan at the time of each disbursement.
  • Available to Undergraduate and Graduate students, enrolled at least half-time (6 hours for Undergraduate; 3 or more hours for Graduate.)
  • 偿还本金和利息开始于你毕业后6个月或你至少有一半的时间不再入学.
  • You have up to 10 years for repayment of this loan.
  • This loan may be consolidated with other Federal education loans.
  • 根据联邦直接贷款计划首次向赌博娱乐平台网址大全借款的学生需要完成两项入学咨询, and a Master Promissory Note (MPN) online at http://studentaid.政府.
  • 根据联邦法规，每年7月1日或之后发放的新贷款的利率将继续每年变化.

没有资格获得全额补贴联邦贷款的独立学生可以从无补贴计划中借用剩余的补贴资格.

How to 应用 for a Federal 直接无补贴贷款

受抚养的本科生的父母可以通过“家长+贷款”来帮助他们的孩子支付大学或职业学校的学费.  利率固定在8英镑.05%(subject to change) and the borrower must not be in default on a federal loan.  贷款是4.228% (subject to change) origination fee, which is taken from the loan at the time of each disbursement. 信誉良好的PLUS贷款申请人可以借入任何金额，最高可达总学费(COA)减去学生收到的任何其他经济援助. Repayment of the loan begins sixty days after the loan is fully disbursed; however, 家长可以将还款推迟到学生毕业六个月后或至少一半时间不再入学. A parent has up to ten years to repay.

If you are a dependent student whose parents are ineligible for a Direct PLUS Loan, you may be able to receive additional 直接无补贴贷款 funds. 

How to 应用 for a PLUS Loan for 父母

Direct GRAD PLUS loans are available to graduate-level students. 虽然资格不是基于经济需要或家庭收入，但信用检查是必需的. 利率固定在8英镑.05% (subject to change) and the borrower must not be in default on a federal loan. 贷款是4.228% (subject to change) origination fee, which is taken from the loan at the time of each disbursement. 信誉良好的GRAD PLUS贷款申请人可以借入任何金额，最高可达总就读成本(COA)减去任何其他收到的经济援助. Repayment of the loan begins sixty days after the loan is fully disbursed; however, 借款人可以推迟还款，直到他们毕业后六个月或不再注册至少一半. A student has up to ten years to repay.

How to 应用 for a GRAD PLUS Loan

 

Ready to accept your Federal loans?

在线完成以下要求以接受联邦直接贷款(补贴), 未受资助的, 或加):

  • 接受你的贷款资格 自助资助服务 (Subsidized and 未受资助的 loans only).
  • Complete Loan Entrance Counseling (for first-time borrowers to 赌博娱乐平台网址大全)
  • Complete Loan Agreement/Master Promissory Note (for first-time borrowers to 赌博娱乐平台网址大全)

Loan Application Instructions (Federal Direct Subsidized-未受资助的)

Loan Application Instructions (Federal 家长直接PLUS贷款)

机构贷款

沃尔顿·帕金斯贷款是一项由大学资助的基于需求的贷款计划，颁发给父母调整后总收入大于50美元的有重大经济需求的学生,1万美元一年. 学生借款人和家长共同签署人必须完成必要的本票在线每年与ECSI, 一个第三方贷款服务商，由大学用来处理账单和其他与沃尔顿贷款计划管理相关的服务.  The interest rate is a fixed at 5% and it begins to accrue at the time of repayment, six months after the student is no longer enrolled at least half-time at 赌博娱乐平台网址大全. Students have up to ten years to repay the 沃尔顿·帕金斯贷款 and may defer (i.e. postpone) payments while enrolled in graduate or professional school. Continued eligibility requires completion of the FAFSA, 证明需要, 令人满意的学业进展, and at least full-time enrollment.

大学资助, 沃尔顿家庭贷款可以帮助父母调整后总收入为50美元的学生支付教育费用,000或更多. Funding is limited and eligibility must be confirmed by 学生财务服务. 学生和家长共同签署人必须每年完成在线本票，以确保提供的贷款资金. The interest rate for the 沃尔顿家庭贷款 is fixed at 5%, and payment on the principal is deferred while the student is enrolled at 赌博娱乐平台网址大全. Interest payments, however, must be made monthly. 贷款本金的偿还开始于学生离开赌博娱乐平台网址大全六个月后，或者学生的入学时间低于半学期. Payments are made over a 10-year period. 学生最多可以借4美元,000元/年, not to exceed the cost of attendance minus other financial aid, and up to a maximum of eight semesters of undergraduate study.  为了继续收到沃尔顿家庭贷款，可能需要年度信贷批准. 继续资格要求令人满意的学术进步和至少全日制注册.

大学资助, 沃尔顿家长贷款可以帮助父母调整后总收入为50美元的学生支付教育费用,000或更多. Funding is limited and eligibility must be confirmed by 学生财务服务. 家长借款人必须每年完成在线本票，以确保提供贷款资金. The interest rate for the Walton Parent Loan is fixed at 5%, and payment on the principal is deferred while the student is enrolled at 赌博娱乐平台网址大全. Interest payments, however, must be made monthly. 在学生离开赌博娱乐平台网址大全或在半衰期以下的一个月后开始偿还贷款本金. Payments are made over a 10-year period. 最多10美元,每年可借1000元, not to exceed the cost of attendance minus other financial aid, and up to a maximum of eight semesters of undergraduate study.  为了继续收到沃尔顿母公司贷款，可能需要年度信贷批准. 继续资格要求学生保持令人满意的学业进步和至少全日制注册.

有关如何申请沃尔顿帕金斯和沃尔顿家庭贷款的详细信息，请参阅  Walton Perkins and 沃尔顿家庭贷款 Application Instructions PDF.

私人学生贷款

(Non-Need-Based; confirmation of approval by the lender is required)

私人教育贷款, also known as Alternative Education 贷款, 帮助弥合你的实际教育成本和政府允许你通过联邦贷款计划借入的有限金额之间的差距. 私人贷款是由私人贷款人提供的，不需要填写联邦表格.

The following links are tools to assist students with private lending options. 榆树选择 提供贷款人名单和能力，比较和选择贷款，最适合您的需要. 可信的 允许学生比较来自多个贷方的个性化贷款，并为每个借款人提供定制的资格预审. 榆树选择 and 可信的 are not lenders, and only offer tools for families to make informed private loan decisions. The links provided are a courtesy ; 赌博娱乐平台网址大全 does not endorse any lender. Borrowers may select the lender of their choice

*Federal loans are generally the best options and should be considered first.