联邦直接补贴贷款和非补贴贷款
联邦直接补贴 and 未受资助的 student loans are issued through the Federal Direct Loan program from the U.S. 教育部.
补贴和 未受资助的 loans are low-interest loans for students to help pay for the cost of higher education after high school. Federal student loans can help fill the gap between grants or scholarships 和 cost to attend school. You are not required to accept any loans and we will not process the loans unless you accept them. Loans are available to both dependent and independent students. 记住，学生贷款是必须偿还的.
你可以管理你的联邦贷款历史 studentaid.政府
, where you will have a single point of contact and online access to your Direct Loan account information. 一旦你毕业, withdraw from school or you cease half-time enrollment you will begin a six-month 宽限期 和n begin repayment. 有几个 还款计划
一旦你开始还款，你可以从中选择.
请注意: All 本科 students are required to be enrolled in 6 units for the loans to disburse.
资格要求
-
Submit your Free Application for Federal Student Aid (FAFSA
)及其他证明文件(如有需要). -
Must be a citizen or eligible non-citizen (permanent resident) of the United States.
-
You must be enrolled or accepted for enrollment in a degree, certificate or professional program.
-
Your enrollment status must be at least half-time, (the equivalent of 6 units).
补贴贷款
-
Student must have financial need as determined by your FAFSA
应用程序 -
Maximum loan eligibility is based on grade level and financial need as determined by your FAFSA 应用程序
-
Federal 政府ernment pays interest on your behalf for the first six months after you leave school (referred to as a 宽限期
)，以及在一段时间内 延期
(延期偿还贷款). -
Repayment begins at the end of the 6 months 宽限期
-
利率是固定的
未受资助的贷款
- 不以需求为基础
- Maximums based on grade level and dependency status
- 联邦政府不支付利息
- 利息是固定的
- No obligation to make payments while enrolled at least half-time
- Interest accrues and capitalized during periods of enrollment in school and/or in 延期
利率及贷款费用
Interest rates are adjusted by Congress annually, with a new rate taking effect each July 1st. Although the interest rate for new loans may change each July 1, the rate received will be fixed for the life of the loan.
除了利率, Direct Loans charges an origination fee on all Stafford loans, which is deducted from your loan funds at the time of disbursement.
请查看 学生资助网站
for interest rates and loan fees for current and past years.
如何接受和拒绝贷款
- 登录您的CSUF门户
- 点击Titan Online
- 点击学生网页
- Click on Financial Aid tile and ensure you are in the correct aid year (top left)
- Click on Accept/Decline tab on the left side under Awards
- 点击铅笔图标编辑裁决
- Click on the drop-down menu for the loan under Award Decision column then select Accept or Decline
- 接受小额贷款, check the Reduce box then enter the new loan amount in the Accepted column
- Review then click on Submit button to finalize your loan decision
- 完成 贷款入学辅导
和 贷款主本票(MPN)
关于联邦学生援助
请注意:通常, accepted loan amount will be split in half: you will receive half for fall term 和 other half will be reserved for spring term. 例如, 如果你接受的贷款金额为2美元,000 -你将收到1美元,秋季学期的学费是1万美元,春季学期的学费为000英镑.
我能借多少钱
There are limits on the amount in subsidized and unsubsidized loans that you may be eligible to receive each academic year (annual loan limits) 和 total amounts you may borrow for undergraduate and graduate study (aggregate loan limits). The actual loan amount you are eligible to receive each academic year may be less than the annual loan limit. These limits vary depending on your grade level and your dependency status.
| 学年 | 依赖学生* | 独立的学生* | ||||
|---|---|---|---|---|---|---|
| 补贴 | 未受资助的 | 结合 | 补贴 | 未受资助的 | 结合 | |
|
第一年 (0-29个赚取单位) |
$3,500 | $2,000 | $5,500 | $3,500 | $6,000 | $9,500 |
|
第二年 (30-59个赚取单位) |
$4,500 | $2,000 | $6,500 | $4,500 | $6,000 | $10,500 |
|
三年级 (60-89赚取单位) 年4 (90+赚取单位) |
$5,500 | $2,000 | $7,500 | $5,500 | $7,000 | $12,500 |
|
学士学位阶段后的非保密 |
$5,500 | N/A | $5,500 | $5,500 | $7,000 | $12,500 |
总贷款限额
用于经济援助目的, you must have earned a minimum of 30 units to be considered a sophomore; 60 units to be considered a junior; 90 units to be considered a senior. Your loan will be processed at the grade level assigned by the office of Admissions and Records.
* Includes Dependent students whose 家长s are PLUS loan denied.
Restriction for graduating seniors with one-semester loan: Federal regulations require schools to prorate the Federal Direct Loan amounts for graduating undergraduate students when their final period of enrollment is less than a full academic year. The loan limit proration determines the maximum loan amount that a student may borrow for the final term of study based on the units enrolled in.
|
总限制 |
补贴只 |
补贴和
|
|
本科生-依赖 |
$23,000 |
$31,000 |
|
本科-独立 |
$23,000 |
$57,500 |
