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    What You Need to Know Before You Get a Loan

    • 首先考虑所有其他选择.
    • 了解每个贷款项目的情况.
    • Know the players in the student loan process and their language.
    • Estimate the anticipated level of debt for your entire program of study.
    • 借钱前做预算.
    • 了解可管理的债务水平. Never borrow more than absolutely necessary.
    • Know the effects of having multiple loans.
    • Take the time now to make the right decision. You can save time, money, and frustration.
     

    注:

    • Once your loan request has been processed, you will receive a notice by email.  You may also check your financial aid awards in 太阳城集团.
    • Single term loan request are made in two disbursements
    • New borrowers are required to wait 30 days from first day of classes for their first disbursement.
    • Disbursement means the amount is applied to your account. 这不是退款.
    • Students will be notified via student email of their loan disbursement amounts, 日期, and approximate date of when to check at the 收银员’s Office for a refund check, 如果适用的话.
    • Refunds are processed by SFSC’s 业务办公室

     威廉D. 福特联邦直接贷款计划

    Students and parents who previously received loans through the Federal Family Education Loan (FFEL) Program will now borrow through the Direct Loan Program. The Direct Loan Program (DLP) offers the same types of loans as the FFEL Program and generally this program will have the same terms and conditions as FFEL Program. The difference is instead of a bank lending the money; the U.S. Department of Education (DOE) lends the money directly to students and parents through the student’s school. The FFEL 贷款 were either 工作人员ord Subsidized or 工作人员ord Unsubsidized loans. 然而, in the Direct Loan Program these loans are called Direct Subsidized 贷款, Direct Unsubsidized 贷款 and Direct PLUS 贷款.

    直接贷款计划的好处

    Direct 贷款 and FFEL Program loans have the same annual and aggregate loan limits, the same deferment and cancellation provisions, and most of the same repayment plans (Standard, 毕业, 和扩展, 基于收入). The interest rates for FFEL Program 工作人员ord 贷款 and Direct Subsidized and Unsubsidized 贷款 are also the same. Direct 贷款 also have some benefits that are available only in the Direct Loan Program:

    • Lower interest rate on Direct PLUS 贷款
    • 预付利息回扣
    • Income Contingent Repayment Plan (in addition to the Income-Based Repayment Plan)
    • Public Service Loan Forgiveness Program
    • No interest charged (for up to 60 months) during qualifying periods of active duty military service (for loans first disbursed on or after October 1, 2008)

    学生贷款的种类

    有用的链接

    Are you enrolled at least half-time and have received Notice of Loan Repayment?

    Students who have Federal Direct or FFEL 贷款 and are enrolled at least half-time here at SFSC are eligible for an In-School Deferment. During a deferment, students do not need to make payments. Please contact the financial aid office at 澳门太阳城集团-784-7134 immediately to resolve your repayment status.

    It is the student’s responsibility to notify the financial aid office or their loan servicer if they believe they are eligible for an In-School Deferment.