了解学生贷款的来龙去脉.
尽管博彩网址大全提供了负担得起的教育, 你可能需要申请贷款来支付学费, 书, 食物和其他必需品. There are several loan programs available, which can help fund all your educational needs.
在你申请贷款之前, it’s important to know that loans need to be paid back and you’ll also be charged interest on the money you borrow.
世纪挑战集团建议从联邦政府直接贷款, 哪家银行为学生及其家庭提供低利率.
MCC联邦学校守则: 002872
MCC TAP学校代码: 2180
首次申请贷款?
联邦直接斯塔福德贷款
威廉D号. Ford 联邦直接斯塔福德贷款 is a loan for students made through the U.S. 教育部. 直接贷款要么有补贴，要么没有补贴.
- A 补贴贷款 是否以经济需要为基础. 如果你有资格获得补贴贷款, the federal government pays interest on the loan until you begin repayment.
- An 未受资助的贷款 不是根据需要发放的. 如果你有资格获得无补贴贷款, you’ll be charged interest from the time the loan is disbursed until it is paid in full. 你可以选择支付利息，也可以让它累积起来. 如果你允许利息积累, 它将被大写-意思, the interest will be added to the principal amount of your loan and will increase the amount you have to repay. If you pay the interest as it accumulates, you’ll repay less in the long run.
如果你正在接受联邦第四章财政援助, you may attempt up to a maximum of 150% of the credits necessary to complete your degree/certificate program. 例如, 一门需要64学分才能毕业的课程, 你可以尝试96个学分. When your attempted hours are equal to or exceed 150% of the credits required for the degree/certificate, 你不再有资格获得联邦第四章经济援助.
了解更多关于 你可以获得贷款的时间限制 在教育部的 联邦学生援助网站.
如果你注册了至少一半的时间, 六个或更多学时, 如果你是一个独立的本科生, 你最多可以借:
- $5,500 如果你是一年级学生(0 - 23学分)
- $6,500 如果你是二年级学生(24学分以上)
如果你注册了至少一半的时间, 六个或更多学时 AND you are an independent undergraduate student or a dependent student whose parents are unable to qualify for a PLUS loan, 您可以额外扣除4美元,每年1万美元的无息贷款.
注意: The amounts above are the maximum yearly amounts you can borrow in both subsidized and unsubsidized Direct 贷款. 然而, you cannot borrow more than your cost of attendance minus any other financial aid for which you're eligible. 这意味着你收到的金额可能少于每年的最高限额.
The total debt you can have outstanding from all Direct 贷款 and Federal Family Education 贷款 combined is:
- $31,000 作为一个独立的本科生(不超过23美元),其中可获000元资助贷款)
- $57,500 作为一名独立的本科生(不超过23美元),其中可获000元资助贷款)
请访问联邦学生援助网站 learn about how interest is calculated and what fees are associated with your federal student loan 还有一个1.0%的费用将从每次支付的贷款中扣除.
申请联邦直接学生贷款, 你必须首先提交联邦学生援助免费申请(FAFSA)。. All students will be packaged with the maximum subsidized and 未受资助的贷款s that they are eligible for.
If you’re taking out a Federal Direct Student Loan at MCC for the first time, 你需要完成贷款入学咨询, which explains the obligations you agree to meet as a condition of receiving a Direct Loan. You’ll learn about managing your spending, making a repayment plan and other important topics.
一旦贷款入学咨询会议完成, 我们的财政援助办公室将收到电子确认. You should print the confirmation form at the end and keep it for your records. If you do not complete the 贷款入学辅导, you will NOT receive your Direct 贷款.
也, 如果你是第一次申请联邦直接学生贷款, 你需要签署主本票(MPN)。. 通过签署MPN，您同意贷款的条款和条件. 使用您的FSA ID以电子方式签署MPN. 如果您需要签署MPN，我们的财务援助办公室将通知您.
Complete the Loan Entrance Counseling and sign your Master Promissory Note at the 联邦学生援助网站.
MCC strongly recommends that you only accept the loan amounts that you need in order to financially support the completion of your coursework.
美国.S. 教育部将通过MCC支付你的学生贷款. 你的贷款将分两等额支付, one approximately 30 days after the first day of classes AND once your attendance has been reported for those classes.
第二次发放将在学期中期, 只要你在上课. 如果你是一年级学生, 借款人首次, your first disbursement will be delayed until 30 days after the start of the loan period.
Your loan money must first be applied to your school account to pay for tuition, 学费及其他学校收费. 如果贷款还在, you can receive the funds directly in your bank account by signing up for E-Refunds through the Student Accounts Office. If you do not sign up for E-Refunds you'll receive a paper check in the mail, 但请注意，纸质退款流程比电子退款要长得多.
毕业后, 离开学校, 或者降至半日入学率以下, you have six months before you begin repayment of your federal student loans. 这被称为宽限期. 在你离开学校或中途退学后, you will receive information about repayment and will be notified of the date repayment begins. 然而, 你有责任按时开始还款, 即使您没有收到此信息.
了解更多关于学生贷款偿还的信息 通过联邦学生援助网站. 除了, the repayment plans are further explained during your online entrance and exit counseling sessions.
For more information on the Federal Direct Student Loan program, visit the 联邦学生援助网站.
联邦本科生直接父母贷款(附加)
Families who need additional money to pay for an MCC education may apply for the Federal Direct PLUS program, 通过威廉·D. 福特联邦直接学生贷款计划. 这种贷款允许父母向美国政府贷款.S. 教育部 to help pay for their child's educational expenses.
受扶养学生的家长至少以半时制入学, 六个或更多学时, can apply for a Federal PLUS loan through the Federal Direct Loan Program. Parent borrowers must have good credit histories or an endorser: someone willing to repay the loan if the parent borrower fails to do so.
The yearly limit on a PLUS loan is equal to the student's cost of attendance minus other financial aid received. 利率每年由政府设定. 借款人会在每年的7月1日收到利率变化的通知. There is up to a 4% fee charged by the government for processing the loan. 这笔费用从每次支付的贷款中扣除.
PLUS基金分两期等额发放给学校, one at the beginning of the loan period and one at the midpoint of the loan period. The funds are first used to pay school charges and any remaining funds are refunded to either the parent or the student, 基于父节点完成的授权.
Repayment of PLUS loans begins 60 days after the loan is fully disbursed. There are three different repayment plans: standard, extended or graduated. 有关这些计划的更多信息将发送给家长申请人.
注意: 你必须接受、调整或拒绝每一笔学生贷款. 你可以通过 MCC Banner学生自助服务系统.
私人教育贷款
Banks and other financial institutions offer private institutional loans to help with the cost of your education. These loans are not guaranteed student loans and are generally based on income and credit history. 利率和费用由每个贷方设定. Most students would be required to have a cosigner to obtain one of these private loans.
如果你考虑申请私人教育贷款, 你应该仔细研究每一个项目. These loans are generally at a higher interest rate and you should consider them only as a last alternative, 在你探索了所有的联邦援助方案之后. 要了解您的一些私人贷款选择，请访问 FASTChoice 网站.
欲了解更多信息，请观看我们的财政援助视频:
