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An educational loan is money borrowed to students for higher education. Educational Loans will need to be paid back 学生毕业后，退出所有课程，或低于一半的注册. There is a six month grace period before repayment begins.
While there are many different types of student loans, the most common for 体育菠菜大平台 students are Federal Direct Student Loans. These are offered after a student completed their FAFSA. Below you will find more information about the various types of loan programs, their requirements, and how to choose the right option for you.
Federal Direct Student Loans
提供给学生的最常见的学生贷款类型是联邦直接贷款. There are two types of Federal Direct Loans; Federal Direct Subsidized Loans and Federal Direct Unsubsidized Loans. 联邦直接学生贷款在学生被体育菠菜大平台录取并完成他们的学业后提供 Free Application for Federal Student Aid (FAFSA).
Students may accept the amount of Federal Direct Student Loans that they have decided to borrow by logging into MyBLUE. Students do not have to accept the full amount of the loans, and may enter any partial amount that is decided to be borrowed. A borrower may also contact the Office of Financial Aid to reduce the amount of loan that has been accepted.
Federal Direct Subsidized Loans
联邦直接补贴贷款的条件稍好一些，可以帮助学生 financial need.
Federal Direct Subsidized Loans are onlyavailable to undergraduate students with financial need.
你的学校决定了你可以借的金额，金额不能超过你的经济需要.
The U.S. Department of Education pays the interest on a Federal Direct Subsidized Loan:
While you’re in school at least half-time,
For the first six months after you leave school (referred to as a grace period), and
During a period of deferment (a postponement of loan payments).
Federal Direct Unsubsidized Loans
Federal Direct Unsubsidized Loans are available to undergraduate and graduate students; there is no requirement to demonstrate financial need. Graduate students only qualify for Federal Direct Unsubsidized Loans.
Your school determines the amount you can borrow based on your cost of attendance and other financial aid you receive.
您有责任在所有期间支付联邦直接无补贴贷款的利息.
如果你选择不支付利息，而你在学校，在宽限期，或延期或 forbearance periods, your interest will accrue (build) and be capitalized (that is, your interest will be added to the principal amount of your loan).
*注: 联邦直接无补贴贷款的利息不必在上学期间支付. However, the Office of Financial Aid encourages borrowers to begin making the interest payments in order to minimize the total debt owed when finishing school. Making the interest payments keeps the loan debt from inflating beyond the original principle amount borrowed.
第一次申请联邦直接学生贷款的学生需要填写 Entrance Loan Counseling and a Master Promissory Note before the loan can be disbursed out to their account. (*如果你在本科期间曾申请过联邦直接贷款, you should have already completed the Entrance Loan Counseling and Master Promissory Note and will not be required to complete these items again.)
Entrance Loan Counseling 学生可以访问教育部的入学贷款咨询会议 StudentAid.gov website. 一旦你完成这个在线会议，体育菠菜大平台财政援助办公室被通知. 如果您想查看您的确认是否已收到我们的办公室, please review your MyBLUE To-Do List. Once this requirement has been met, it will be removed from your checklist.
Master Promissory Note As you begin to borrow for your educational expenses, it is important that you are aware of the loan's terms and conditions. 这些条款规定了你作为借款人的权利和责任. When you sign the Master Promissory Note (MPN), 您签订了一份具有法律约束力的合同(根据所列条款和条件).
Annual Student Loan Acknowledgement The Annual Student Loan Acknowledgment is a tool to help you understand how your loans will affect your financial future.
Completing the Annual Student Loan Acknowledgment will help to:
Make informed choices by showing students (and parents) how much they owe in Federal debt before agreeing to borrow more money to pay for their higher education.
Learn the borrower’s obligations by calculating the monthly payments and the median salary that students can expect to receive after graduating from a specific program.
Understand the balance for repayment by breaking down basic loan concepts such as interest accrual and capitalization and the difference between private and Federal loans.
While this is not a requirement, 我们强烈建议您完成在线年度学生贷款确认.
Exit Loan Counseling If you have borrowed student loans to help pay for your education and you either apply for graduation from 体育菠菜大平台, withdraw from classes, or drop below half-time enrollment, you will be notified of opportunities to attend an Exit Loan Counseling session. Exit Loan Counseling is required for students graduating from 体育菠菜大平台. 如果你即将从体育菠菜大平台毕业，还没有完成退出贷款咨询会议, you will see a reminder on your “To Do List” on MyBLUE. 一旦你完成了小组咨询会议或在线咨询会议, the reminder will be removed from your “To Do List.” The purpose of Exit Loan Counseling is to help you become well prepared and knowledgeable regarding the repayment of the student loans you have borrowed.
Federal Direct PLUS Loans are part of the Federal Direct Loan Program and are financed by the federal government. PLUS贷款是由受抚养学生的父母借的，作为帮助支付教育费用的一种方式. A student's cost of attendance minus all other financial assistance (as determined by the school) is the maximum that may be borrowed. Unless the borrower specifies deferred payments in the loan request, repayment begins after the full loan has been disbursed.
The interest rate is fixed at 8.05% for the 2023-24 academic year. 利息在所有贷款期间收取，从贷款第一次支付之日起计算. An origination fee of 4.228%, will be deducted from the borrowed principal and the resulting net loan will be applied to the student account.
The borrower must be a U.S. 公民或符合条件的非公民，是学生目前的亲生、收养、or step-parent.
The dependent student must be enrolled at least half-time at 体育菠菜大平台.
The application for the Federal PLUS Loan includes a credit check; borrowers must either have a good credit history or an endorser who has good credit.
Borrowers must not be in default on any federal education loans or owe an overpayment on a federal education grant.
If denied, parents may appeal, or they may have an endorser co-sign the loan.
Additional Federal Direct Loan may be available for students whose parents have completed the loan request and are not eligible for the Federal Direct PLUS Loan.
If a parent would like to apply for PLUS Loan funding, he or she may do so by:
The 体育菠菜大平台 Financial Aid Office strongly encourages parents of dependent students to consult with a Financial Aid Counselor before applying for a Parent PLUS Loan by calling the financial aid office at (308) 865-8520 or emailing finaid1@babyfeedingshop.com.
联邦直接毕业生PLUS贷款使最大的菠菜的平台能够从美国联邦政府贷款机构获得额外贷款.S. Department of Education to help pay educational expenses. 这笔贷款是一笔更昂贵的贷款，利率和发起费用都要高得多, and as such is available to a student only after exhausting all other Federal Direct Student Loan eligibility within a school year. 申请人的信用由教育部检查，以确定是否有资格获得这笔贷款.
Some general terms are as follows:
Borrowers must be U.S. citizens or permanent residents.
Fixed Interest Rates (set annually)
Origination fee of 4.228% reduces net proceeds
Deferred repayment while enrolled at least half-time
Combined repayment servicing with other federal student loans
An aggregate limit is the total amount of Federal Direct Student Loan that a student can borrow within one academic year (fall, spring, and summer semesters). 下面的图表显示了基于学生年级水平的每年贷款总额.
Undergraduate
Aggregate Amounts of Aid Per Year
Aggregate Limits per grade level
Federal Direct Subsidized Loans
Federal Direct Unsubsidized Loans
Independent*
Total**
FR (0-27 credits)
$3,500.00
$2,000.00
$4,000.00
$5,500.00
SO (28-57 credits)
$4,500.00
$2,000.00
$4,000.00
$6,500.00
JR (58-88 credits)
$5,500.00
$2,000.00
$5,000.00
$7,500.00
SR (89+ credits)
$5,500.00
$2,000.00
$5,000.00
$7,500.00
Pre-Masters
$5,500.00
$ 0.00
$7,000.00
$5,500.00
*If a student is classified as an independent student as determined by the FAFSA or if the Parent PLUS Loan was denied, he or she would receive the specified additional amount of Federal Direct Unsubsidized Loan eligibility depending on grade level.
**This total amount does not include the extra amount of Federal Direct Unsubsidized Loan a student may qualify for if independent or if the Federal Direct Parent PLUS Loan was denied. To get the total amount for these students, 将他们年级水平的独立列中的数字与他们年级水平的总数相加.
Graduate
最大的菠菜的平台每年可能获得的贷款总额为20,500美元.00. The lifetime aggregate amount of loan a graduate student may borrow is $138,500.00*.
The Federal Student Aid website, StudentAid.gov, is the U.S. Department of Education's (ED's) central database for student aid. This website is a one-stop location to access almost anything related to federal financial aid.
How to Use the Federal Student Aid Website
StudentAid.gov will keep track of all educational federal loans (i.e. Subsidized, Unsubsidized, Parent PLUS, and Grad PLUS) borrowed by a student or parent from any institution.
Parents and students can log on to their dashboard on StudentAid.gov using their FSA ID; the same login information used to access the FAFSA.
On your account dashboard, 你可以查看你所有的联邦贷款债务和已经收集的利息.
您可以查看还款计划、还款到期日以及如何偿还贷款。.
A loan servicer is a company that the federal government assigns to handle the billing and other services on your federal student loan on their behalf. 如果你想改变你的还款计划或对你的贷款支付有疑问, you will contact your loan servicer. 您可以点击“查看贷款服务商详情”，查看您的贷款服务商是谁.
Sample Loan Repayment Schedule
Once you have graduated, withdrawn from all classes, or drop below half-time enrollment, 在你的联邦学生贷款开始偿还之前，你有六个月的宽限期. 您将使用的默认还款计划是标准还款计划或级别还款计划. (you can change your repayment plan by talking to your loan servicer) This will spread your payments into equal amounts each month and the repayment plan is for 10 years. This is the least costly plan, as you will pay the least in interest charges. 请参阅下面的贷款偿还时间表样本，了解不同级别的学生贷款债务.
Sample Standard Repayment Plan Schedule
Amount
Borrowed
Number of
Payments
Estimated Monthly
Payments
Estimated Total
Amount Paid
$5,000
30
$176
$5,267
$10,000
58
$190
$11,059
$20,000
103
$235
$24,251
$30,000
120
$302
$36,277
$50,000
120
$504
$60,462
$75,000
120
$756
$90,694
$100,000
120
$1,008
$120,925
Fixed-Interest Rate: 3.99%
A loan servicer is a company that the federal government assigns to handle the billing and other services on your federal student loan on their behalf. To see who your Loan Servicer is, log into studentaid.gov. 以下是联邦学生贷款服务中心的名单和他们的体育菠菜大平台.
DEPARTMENT OF EDUCATION LOAN SERVICING CENTERS INFORMATION
Loan Servicing Centers
Nelnet
Borrower Contact Information
Phone: 888.486.4722
TDD/TTY: 有听力障碍的借款人可以通过访问网站与代表进行网络聊天 nelnet.com and clicking on "Chat Now". Chat Hours: 8 a.m.-9 p.m. ET, Monday through Friday.
A private student loan is a loan offered for higher education by banks, credit unions, and online lenders. Private loans require a separate application directly to the financial institution acting as a private lender. 联邦贷款的利率是固定的，而私人贷款的利率是固定的 largely dependent on credit history.
体育菠菜大平台 uses the ELM Select Tool to provide a historical listing of private student loan lenders students have borrowed from over the past two years. 体育菠菜大平台 does not recommend any specific lender, but provides this list as a resource and a service to students seeking loan aid above and beyond their federal student loan eligibility. As a borrower, you may use any lender you choose. The lender does not have to be one that appears on this list. You may do a more extensive search for Private Student Loan lenders online or otherwise and 体育菠菜大平台 will process your loan with any lender you choose to utilize.
The ELM Select Tool allows you to compare the terms of several Private Student Loan lenders including: interest rates, cosigner requirements, 还款期限和其他重要的贷款信息，以帮助您的借款决定. 请按以下步骤访问我们的私人学生贷款机构历史列表:
