联邦研究生直接贷款

The 联邦直接学生贷款s are a primary financial aid source for 研究生 students.  The 联邦直接学生贷款s will be listed on your 金融援助 Award Letter if you filed the Free Application for Federal Student Aid (FAFSA) and you are eligible to borrow this federal student loan.  However in order for a 联邦直接学生贷款 to be applied to your Bursar account, 需要完成两个重要步骤.  These steps are completed at one 联邦学生援助网站 http: The//studentaid.gov/. You will be directed to log into the website using the same FSA ID you used to electronically sign your FAFSA.

Once all requirements have been met and appropriate documents submitted, the 金融援助 Office will process the federal Direct student loans you accepted on your 金融援助 Award.  美国.S. Department of Education will place your loan with a federal loan servicer (company that collects the repayment of your loan(s).  Your loan information will be accessible to guaranty agencies, 银行, and schools determined to be authorized users of the system.  要查看已处理的贷款，请登录 联邦学生援助网站 using your FSA ID you used to log into your FAFSA.

步骤1: 学生贷款入学辅导 - This is a federal requirement which lets you know your rights and responsibilities as a federal student loan borrower.  学生贷款入学辅导 is completed at http: The//studentaid.gov/app/counselingInstructions.action

步骤2:  签署主本票 - Sign a Promissory Note for your Federal Direct Student Loan.  Signing the Promissory Note indicates your commitment to repay the loan you are borrowing.  主本票签字处 http: The//studentaid.gov/app/launchMpn.action?mpnType=gradPlusMpn

 

什么是联邦直接学生贷款?

联邦直接学生贷款s are low interest rate loans made to 研究生 students attending accredited colleges and universities. The FAFSA results determine the student's eligibility for the Unsubsidized student loan.

直接无补贴学生贷款 是联邦贷款，但是美国.S. Department of Education does NOT pay interest on this type of loan. 利率预计为7%.05% for new loans disbursed on or after July 1, 2023 and the interest will start accruing on the date of your first disbursement. Students may pay interest while in school but have the option to defer paying the interest until the loan goes into repayment. The Direct Unsubsidized Student Loan goes into repayment once you have dropped below a half-time enrollment status. There is a loan fee on all Direct Unsubsidized Loans. The fee will be deducted from each loan disbursement before the school receives the loan. The amount of the loan fee for Direct Unsubsidized Loans first disbursed on or after October 1, 2020年及10月1日之前, 2022从1开始.059% to 1.057%. A FAFSA must be completed to qualify for a Federal Direct Student Loan.

联邦直接学生贷款 Maximum Amounts For 研究生 Students:

Maximum Total Loan Amount per Academic Year (up to 出勤费用) =   $20,500. 

Maximum Total Debt from 联邦直接学生贷款s  (Undergraduate + 研究生) = $138,500美元，最高65美元,500美元的直接资助学生贷款

 

贷款偿还: 

The following link offers important information about 偿还贷款.  Repayment plans and calculators are available as well as information on Postponing Repayment (延期, 宽容), 公共服务贷款豁免, 取消, 和整合.  You can estimate your monthly payments using the 贷款还款图.

监察专员: 学生贷款申诉专员办公室 已由该部设立. of Education to resolve problems between you and your school, lender, guarantor, and loan services. They may be reached by telephone: 1-877-557-2575, on-line at http: The//studentaid.gov/ feedback-ombudsman纠纷, by fax at 606-396-4821, or by postal address: U.S. 部门. 教育事务专员公署申诉专员小组.O. 肯塔基州蒙蒂塞洛1854号信箱，邮编42633