直接学生贷款
Direct Loans are low-interest loans for students to help pay for the cost of their education after high school and beyond. 贷款人是美国.S. 教育部 rather than a bank or other financial institution. To apply for these loans, you must have a FAFSA on file with the Athens State Office of Student 金融援助. 需要支付学生贷款.
直接资助贷款 are loans for students with financial need, as determined by federal regulations. No interest is charged while you are in school at least half-time, 在宽限期内, 在延期期间.
直接无补贴贷款 are loans for students that are not based on financial need. Interest is charged during all periods.
的 interest rate associated with 直接学生贷款 varies based on when they are disbursed. You can review the current rates here: 直接贷款利率
除了利息, you pay a loan fee calculated off the principal amount of each Direct Subsidized or Direct Unsubsidized Loan that you receive. 这 means the money you receive will be less than the amount you actually borrow. You’re responsible for repaying the entire amount you borrowed and not just the amount you received. 这 fee is not collected by 雅典州立大学. You can review the current fee, and more information, here: 直接贷款费用
的 主本票 (MPN) is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the U.S. 教育部. It also explains the terms and conditions of your loan(s). 你可能 receive more than one loan under an MPN over a period of up to 10 years to pay for your educational costs, as long as the school is authorized to use the MPN in this way and chooses to do so. 本科, 研究生, and Parent borrowers of Federal Direct student loans are subject to this requirement.
的 年度贷款确认 (ALA) is an initiative set by the 教育部 that provides Federal student loan borrowers information on their specific student loans, 贷款服务商信息, and how borrowing will impact their financial future. It is available to both student and parent borrowers. First-time borrowers will review information about loan debt and repayment options.
请检查 Student援助.政府 有关以下方面的详细资料:
- 直接贷款
- 管理你的学生贷款
- 出口咨询
- 贷款整合
- 还款选择
- Loan forgiveness programs for teachers and public service
- Assistance with repayment of student loans
- 查找你的经济援助历史
直接PLUS贷款
研究生 students and Parents of Dependent students are eligible for additional loan options at 雅典州立大学. Direct PLUS loans require an acceptable credit history. 研究生 students and Parents may borrow up to the cost of education less other financial aid offered to the student. Repayment for PLUS loans begins 60 days after the last disbursement unless the borrower opts for a deferment. PLUS borrowers may choose to delay repayment until six months after the student is no longer enrolled at least half time. Interest may be paid or capitalized upon entering loan repayment.
毕业生PLUS贷款步骤
- 研究生必须有一个 FAFSA (Free Application for Federal Student 援助) on file with the Office of Student 金融援助.
- 的 研究生 student must also provide application data by applying for the 毕业生加分贷款 at 热门产品.政府.
- 的 研究生 student must complete a Loan Agreement for a PLUS Loan (MPN) online. 这 研究生硕士本票 requires the parent to have an FSA ID and password to complete at 热门产品.政府.
家长PLUS贷款步骤
- 这个学生必须有一个 FAFSA (Free Application for Federal Student 援助) on file with the Office of Student 金融援助.
- 的 Parent must also provide application data by applying for the 家长PLUS贷款 at 热门产品.政府.
- 的 Parent must complete a Loan Agreement for a PLUS Loan (MPN) online. 这 家长加主本票 requires the parent to have an FSA ID and password to complete at 热门产品.政府.
Deferment Options for Parent Direct PLUS Loan Borrowers
Lending Statement Regarding Preferred Lender Lists and Preferred Lender Arrangements
雅典州立大学 does not recommend specific student loan lenders, nor does it have a preferred lender list or preferred lender arrangement. Students may borrow from any lender that offers educational student loans. 雅典州立大学 encourages students to borrow only what is absolutely needed to prevent future debt.
Private or Alternative Loans for Students
Please return the completed pages linked below to allow you to apply for loans from private sources. Athens State does not recommend private student loans or lenders. 的 use of private student loans is at the sole discretion of the student. 雅典州立大学 does not certify loans for students in a suspended status.