If you apply for financial aid, you may be offered loans as part of y我们的 学校’s 经济援助奖. 贷款是你借的钱，必须连本带利偿还.
If you decide to take out a loan, make sure you underst和 who is making the loan 贷款的条款和条件. 学生贷款可以来自联邦政府 政府ernment or from private s我们的ces such as a bank or financial institution. 贷款 made by the federal 政府ernment, called federal student loans, usually offer borrowers lower interest rates 和 have more flexible repayment options than loans from banks 或者其他私人资源.
- 联邦贷款
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威廉D. 福特直接斯塔福德贷款计划:
新生最高限额:5500美元.00
二年级学生最高限额:6500美元.00利率将于2023年7月1日生效
- 5.50% for the subsidized loan* Federal 政府ernment pays interest while student is in 学校
- 5.50% for the unsubsidized loan Student is responsible for interest while in 学校
- 8.PLUS(本科生家长贷款)50%
你可以查看你的助学金，阅读留言， 接受或拒绝贷款 并确定需要哪些文件. 首先登录 MyNCC.
要考虑申请联邦贷款，学生必须
- 在学院存档有有效的FAFSA;
- be enrolled in at least 6 financial aid eligible credits at the time of disbursment,
- 达到令人满意的学业进步标准和
- 被认可的学位或证书课程录取.
重要的是: If you choose to accept a student loan, you must then complete an Entrance counseling 会期及主本票于 studentaid.政府.
The US Department of Education will assign y我们的 federal loan to a Loan Servicer. 你的 loan servicer is the organization that h和les billing you for y我们的 loan repayment 和 can assist you with any questions you may have about y我们的 loan. 访问 studentaid.政府 找出谁是你的贷款服务商.
Studentaid.政府 中央数据库是所有联邦学生资助的吗. 它从学校接收数据， guaranty agencies, the Direct Loan program 和 other Department of ED programs. Studentaid.政府 provides borrowers with access to information on all student loans 和/or federal grant amounts, including information on loan status, outst和ing loan balances, 和 支付.
Once a student/borrower ceases to be enrolled in an approved program of study at least 半程(6学分)他们必须完成贷款 退出 咨询 in order to inform the lender 和/or loan servicer of any changes to the loan borrower's contact information, as well as to be informed of the repayment options 和 responsibilities. 完成 在线退出咨询 联邦直接贷款.
The underst和ing of personal finance 和 student loan debt are financial literacy 对大学生特别重要的话题. 阳光智能轨道 will assist you from the time you apply 和 even after you graduate!
家长PLUS贷款:
PLUS loans are unsubsidized loans for the parents of dependent students enrolled at least half-time at a 学校 that participates in the Direct Loan Program.
Applicants for this loan must be student's biological or adoptive parent. 如果是生物的 or adoptive parent has remarried at the time of completing the FAFSA, the stepparent 可以代学生申请这笔贷款吗.
Parent PLUS Loan borrowers cannot have an adverse credit history (a credit check will 做). 此外，父母及其受抚养子女必须是美国公民.S. 公民或 eligible noncitizens, must not be in default on any federal education loans or owe an overpayment on a federal education grant, 和 must meet other general eligibility 联邦学生援助计划的要求.
此项贷款的申请可在 财政援助表格页面. Once approved, the borrower (parent) must complete a PLUS loan promissory note at studentaid.政府
联邦护理学生贷款:
仅限护理专业的学生
- 最高限额$3,000.00 /年
- 利率- 5%
向财政援助办公室提出申请.
Remember, when a student/borrower has graduated, is enrolled in less than 6 credits or left 学校, an 退出 Interview must be completed for the Nursing loan. 这是 separate 和 in addition to the Direct Stafford loan exit 和 is done in person in 学生财务办公室. 有关护理贷款的更多信息，请联系 我们的 信贷员.
- 另类或私人贷款
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Private Education 贷款, also known as Alternative Education 贷款, help bridge the gap between the actual cost of y我们的 education 和 the limited amount the 政府ernment 允许你在它的程序中借阅. 私人贷款是由私人贷款人提供的 而且不需要填写联邦表格.
Some families turn to private education loans when the federal loans don't provide 足够的钱，或者当他们需要更灵活的还款方式时. 然而，自从联邦政府 education loans are less expensive than 和 offer better terms than private student loans, you should exhaust y我们的 eligibility for federal student loans before resorting 到私人学生贷款.
Many students take out private education loans in order to finance their education. With that, it’s best to get as much information as possible before you begin the process.
In order to process y我们的 Alternative Educational loan you must complete the 私人教育贷款申请人自我证明表格. When submitting this form, a counselor will discuss all the aid options you may have.
- 防止贷款违约
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The federal loan payment pause is scheduled to end no later than September 1, 2023. Here are 6 important tips to prepare y我们的self to begin or resume payment of y我们的 federal 贷款:
一旦你接受了一笔贷款，你就会被分配到一个贷款服务商. 您的贷款服务机构 is the organization that h和les billing you for y我们的 loan 和 can provide you with 还款信息. 想知道你的服务人员是谁，请访问 studentaid.政府 or call the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243; TTY 1-800-730-8913).
It is important that you contact y我们的 servicer 和 set up a repayment schedule. If 如果你不这样做，你可能会以违约告终. 违约意味着你没有付款 on y我们的 student loan according to the terms of y我们的 promissory note, the binding legal 你申请贷款时签署的文件.
以下是指数的一些严重后果:
- State 和 federal income tax refunds can be withheld 和 applied toward the amount 你欠.
- National credit bureaus can be notified of y我们的 index, which will harm y我们的 credit 评级，使其难以购买汽车或房子.
- You will be ineligible for additional federal student aid if you decide to return 去学校.
- 贷款可以从你的薪水中扣除.
- You will have to pay late fees 和 collection costs on top of what you already owe
- 你可能会被起诉.
You have a choice of several repayment plans that are designed to meet the different 个人借款人的需要. 你支付的金额和偿还的时间长度 y我们的 loans will vary depending on the repayment plan you choose. 如果你有 trouble making payments on y我们的 loans, contact y我们的 loan servicer as soon as possible. 你的 servicer will work with you to determine the best option for you.
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