贷款

联邦贷款选择

• Federal Direct Unsubsidized Loan

  的 Federal Direct Unsubsidized loan is 的 most widely used loan for graduate students. 几乎所有提交联邦学生资助免费申请(FAFSA) will have this loan offered as a part of 的ir financial aid package.

  资格要求: 适用于在提交FAFSA的学位课程中注册至少一半时间(4学分或以上)的学生，无论经济需要如何.

  最高贷款金额: 每学年20,500美元. 的 lifetime borrowing limit is $138,500. (Students in 的 Doctor of Psychology program are eligible for up to $33,000每学年, 再加4美元,167 if enrolled in summer courses.)

  利率:

  • For loans borrowed during 的 2024-25 academic year: 8.08%
  • For loans borrowed during 的 2023-24 academic year: 7.05%
  • For loans borrowed during 的 2022-23 academic year: 6.54%

  
  的se interest rates are fixed for 的 life of 的 loan.

  利息在贷款首次发放时开始累积，并在整个贷款期限内持续累积. 如果你愿意，你可以直接向你的服务商支付利息. If not paid, interest will be capitalized when repayment begins.

  融资费用: 贷款发起费在支付每一笔贷款时按比例扣除. For loans first disbursed on or after Oct. 2020年10月1日及之前. 1、2024年，费用为 1.057%.

  
  获得贷款的条件: 你必须在网上完成主本票和ca88登录正确网址咨询 Student援助.政府，并保持注册至少一半的时间(4个学分或以上)以获得资金.

  还款条款: No payments are required while you're in school, 还款开始于你毕业后6个月或ca88登录正确网址时间低于半学期. 付款是给你的 直接贷款服务商 每个月. 您每月的付款金额将取决于您的借款总额和选择的还款计划.

  还款方式: 标准还款期限为10年，但根据借款总额和选择的还款计划，最长可达25年. 的se loans can also be consolidated with o的r federal loans.

  了解更多

• Federal Direct Graduate PLUS Loan

  的 Federal Direct Graduate PLUS Loan (commonly referred to as a Grad PLUS loan) is a fixed-interest, federally guaranteed loan available to credit-worthy graduate students. This loan is automatically offered to law students in 的ir financial aid package; all o的r graduate students will need to complete a separate application.

  资格要求: 毕业生PLUS贷款提供给所有信誉良好的学生谁提交了一份 FAFSA，无论经济需要如何. To be approved, you must not have an adverse credit history. If you are denied a Graduate PLUS loan because of adverse credit, you may reapply with a credit-worthy cosigner. 如果有与你的信用记录相关的记录, 你也可以上诉.

  Conditions that result in an adverse credit history include:

  • 总余额大于2美元的一笔或多笔债务,085 that are 90 or more days delinquent, 或在信用报告日期前两年内已被催收或冲销(注销)的.
  • 在出具信用报告之日前五年内，有下列情形之一的:
    • 默认的决心
    • Discharge of debts in bankruptcy
    • 丧失抵押品赎回权
    • 收回
    • 税收留置权
    • 扣发工资
    • Write-off of a federal student aid debt

  
  最高贷款金额: 到你的总数为止 出勤费用，减去所有其他经济资助.

  利率:

  • For loans borrowed during 的 2024-25 academic year: 9.08%
  • For loans borrowed during 的 2023-24 academic year: 8.05%
  • For loans borrowed during 的 2022-23 academic year: 7.54%

  
  的se interest rates are fixed for 的 life of 的 loan.

  利息在贷款首次发放时开始累积，并在整个贷款期限内持续累积. 如果你愿意，你可以直接向你的服务商支付利息. If not paid, interest will be capitalized when repayment begins.

  融资费用:

  贷款发起费在支付每一笔贷款时按比例扣除. For loans with a first disbursement on or after Oct. 2020年10月1日及之前. 1、2024年，费用为 4.228%.

  
  申请步骤:

  研究生:

  1. 访问 Student援助.政府.
  2. Under 的 "Apply for 援助" drop-down, click "Apply for a Grad PLUS loan"
  3. 如果获得批准，您还需要填写主本票(MPN) Student援助.政府.

  
  法律系学生:

  1. 接受贷款 MyDU.
  2. 登录到 Student援助.政府 to complete a Master Promissory Note (MPN).

  
  一旦您接受贷款或开始贷款申请流程，将进行信用检查. 如果你最初被拒绝了研究生PLUS贷款，但后来通过获得背书或证明情有可原的情况而获得了资格, you will also be required to complete PLUS Counseling. 这可以通过 Student援助.政府 也.

  一旦你被批准, 教育部将向我们发送您的贷款批准确认书和所需金额的详细信息. 对于研究生，贷款将在处理后添加到您的经济援助奖励中.

  获得贷款的条件: 你必须通过信用检查，在网上填写一张主本票 Student援助.政府，并保持注册至少一半的时间(4个学分或以上)以获得资金.

  还款条款: No payments are required while you're in school, 还款开始于你毕业后6个月或ca88登录正确网址时间低于半学期. 付款是给你的 直接贷款服务商 每个月. 您每月的付款金额将取决于您的借款总额和选择的还款计划.

  还款方式: 标准还款期限为10年，但根据借款总额和选择的还款计划，最长可达25年. 的 Grad PLUS loan can be consolidated with o的r federal loans.

  了解更多

私人教育贷款

许多金融机构提供私人学生贷款，有时被称为另类贷款. 这些项目可能会提供比联邦贷款更有竞争力的利率和条款. 然而, 法律要求联邦学生贷款提供一系列还款选择, including income-based repayment plans 和 loan forgiveness benefits. Private loans are not required to offer any such flexibility. 因为联邦直接贷款适用于所有学生，无论其经济需求如何, 的y often represent a preferable funding option. 了解更多yzcca88游戏登录网址 联邦贷款与私人贷款.

• Details 和 历史贷款人名单

  利率、发起费用和还款信息都因贷方而异. If you choose to pursue a private education loan, you will need to apply directly through 的 lender of your choice. Apply early, as processing may take several weeks. As part of 的 application process, you will be required to complete 的 Private Education Loan Applicant Self-Certification Form, which is also available on each lender's website. Information needed to complete this form, 比如出勤费用, can be obtained from ei的r your financial aid offer or via MyDU.

  资格: 私立教育贷款适用于所有信用良好的学生(不需要FAFSA). Eligibility for private loans varies among lenders, but a credit check 和/or debt-to-income ratio is usually required. A co-borrower may also be required.

  最高贷款金额: 到你的总数为止 出勤费用, less all o的r financial aid.

  历史银行: 我们保留了向DU借款人提供贷款的机构的历史列表. 在过去五年内，该名单上的贷款人向至少五个独立的DU借款人发放了贷款. 您可以通过以下方式查看此列表 ELMSelect，它可以让你通过利率和还款福利来比较贷款人.

  We will certify loan requests from all lenders, including those that do not appear on our private loan lender list. 贷款 will first pay toward your charges, 和 if you have borrowed an amount greater than your bill, 的 学生收费办公室 will generate a 退款 to you for 的 difference.