Loans for Undergraduate Students

 联邦斯塔福德贷款 联邦贷款是否可以提供给攻读学位的本科生，至少是全日制学生. Half-time at SU is defined as six credit hours for undergraduates. Stafford Loans are can be subsidized and/or unsubsidized. These loans are not credit-based and carry a current origination fee of 1.057%. 申请费用在发放给大学之前从贷款金额中扣除. The Stafford Loan is borrowed directly from the U.S. Department of Education as part of the William D. 福特直接贷款计划.

 When do students pay back Stafford Loans? 学生毕业后, 离开学校, or drop below half-time enrollment, they will have six months before they must begin repayment of their loans. This period of time is called a grace period. Students are granted one grace period. 如果学生在军队服役，他们的学习时间可能超过6个月.

 是什么? types of Stafford Loans? There are two types of Stafford Loans, subsidized and unsubsidized.

A 资助斯塔福德贷款 是根据FAFSA和SU确定的经济需求颁发的. For 资助斯塔福德贷款s disbursed before July 1, 2012, 学生在偿还贷款前或授权延期期间不会累积利息. The federal government will pay the interest during these periods.  For 资助斯塔福德贷款s disbursed after July 1, 2012, 学生在注册至少一半时间或在批准的延期期间不会累积利息.  然而, interest will accrue during the grace period prior to repayment.

An 无补贴斯塔福德贷款 is not awarded on the basis of financial need. 不像补贴贷款, 利息将从贷款发放之日起立即开始累积，直至全部偿还为止. 学生可以选择每季度支付利息或推迟支付利息，直到他们进入还款阶段. 如果学生允许利息在他们在校期间或在其他未付款期间累积, it will be capitalized – that is, the interest will be added to the principal amount of the loan, and additional interest will be based on that higher amount.

Depending on a student’s financial need, 他们的斯塔福德贷款可以是有补贴和无补贴的组合.

 本科学生每学年可以借的联邦最高限额是多少?

依赖学生	Maximum Direct Stafford Loan Amount
第一年	$5,500  (Up to $3,500 of this amount may be subsidized)
二年级学生	$6,500  (Up to $4,500 of this amount may be subsidized)
大三或大四	$7,500  (Up to $5,500 of this amount may be subsidized)

 

独立的学生	Maximum Direct Stafford Loan Amount
第一年	$9,500  (Up to $3,500 of this amount may be subsidized)*
二年级学生	$10,500  (Up to $4,500 of this amount may be subsidized)*
大三或大四	$12,500  (Up to $5,500 of this amount may be subsidized)*

 *家长被拒绝的家长PLUS贷款的学生也可以在这个级别借款.

是什么? 利率 斯塔福德贷款?  2022- 2023年所有本科生斯塔福德贷款的利率将固定为4.0%.百分之九十九的贷款期限. 2023-2024学年贷款的固定利率将于7月1日确定, 2023.

联邦家长PLUS贷款是父母可以借的联邦贷款，用于支付受抚养学生的教育费用. Students must be considered a dependent by the FAFSA, be a degree-seeking undergraduate, and be enrolled at least half-time. 可以申请PLUS贷款的合格父母包括学生的亲生父母, whether they were listed on the FAFSA or not, and stepparents whose income was reported on the FAFSA. 家长还必须通过信用检查，以便批准这笔贷款.

Parent PLUS Loans currently carry an origination fee of 4.228%. The PLUS Loan is borrowed directly from the U.S. Department of Education as part of the William D. 福特直接贷款计划. Parents may borrow for each year of their student’s undergraduate career, though subsequent credit checks will be required. Credit checks are valid for up to ninety days.

是什么? 利率 家长PLUS贷款? The 利率 for the 2022 – 2023 Parent PLUS Loan is fixed at 7.在贷款期限内为54%. 2022-2023学年贷款的固定利率将于7月1日确定, 2023.

When do parents begin repaying a Parent PLUS Loan? Parents are given two options in repaying the Parent PLUS Loan. 通常, 在贷款所借学年的最后一笔贷款发放后60天内开始还款. For most parents, this will occur in March of the spring semester. 另外, 家长可以选择推迟偿还贷款，直到学生毕业或入学时间降至一半以下. 利息仍然会产生，家长可以选择支付或将利息资本化. Regardless of the repayment option the parent selects, interest begins to accumulate at the time the first disbursement is made.

 

联邦护理学生贷款是5%的利息贷款，适用于至少有一半时间参加护理学士课程的学生，并且有特殊的经济需求. Please contact the Office of 金融援助 for more information. 

When do students pay back Nursing Student Loans? If a student is attending school at least half-time, they have nine months after they graduate, 在他们必须开始还款之前，他们必须离开学校或在半工半读的状态下休学. 如果学生在军队服役，他们的学习时间可能超过9个月. At the end of the grace period, students must begin repaying their loans. Students may be allowed up to 10 years to repay.

本科学生每学年可以借的联邦最高限额是多少?

*

The Perkins loan program has been discontinued. 获得此贷款的学生必须在2017年10月之前获得2017-2018奖励年度的付款，以便在2018年春季收到付款. Disclosure and Promissory Note information may be found below:

• Federal Perkins Loans Disclosures
• Federal Perkins Loan Promissory Note

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