Types of Financial 援助

Loan 项目

Federal Direct Student Loans

联邦直接斯塔福德贷款适用于至少半程入学的学生 (6 credit hours for undergraduates, 4.5信用 hours for graduates) in a degree-seeking program who are U.S. citizens or eligible non-citizens. 贷款 to be repaid, so BET体育在线官网鼓励你只借你实际需要偿还的贷款 your educational 费用.

大一本科生每学年的最高贷款额为5500美元, 本科生二年级6500美元,三年级和四年级7500美元, and $20,500 for graduate students. Students considered independent of parental support 用于经济援助目的或父母无法借到 Federal Direct PLUS Loan may be eligible for additional loan amounts.

最高总贷款金额为$31,000,为受抚养的学生($23,000 其中可能是补贴贷款),独立学生57,500美元(23,000美元) 这可能是补贴贷款),研究生13.85万美元(其中6.55万美元) may be in subsidized loans). 研究生总数包括斯塔福德贷款 received for undergraduate study.

美国.S. 教育署会按每宗贷款的本金收取贷款费用 斯塔福德贷款,按比例从每次发放的贷款中扣除. 贷款 disbursing after 9/30/20, the loan fee is 1.057%.

Begin the process by filling out a Free Application for Federal Student 援助 (FAFSA). 你必须接受或拒绝贷款奖励 翼展 or by completing a Loan Adjustment Request.

First-time loan borrowers will need to complete Entrance Counseling 和一个 Master Promissory Note (MPN)在 Direct Loan Servicing Center. 温斯洛普大学将收到电子通知时,这些要求 have been completed.

你必须注册至少一半的时间(本科生6学时,4.5信用 以获得直接贷款. Once all award requirements 已经满足,你的经济援助将记入你的学生帐户. 更多的 information, please visit Applying for 援助.

Returning students must maintain Satisfactory Academic Progress,并符合斯塔福德贷款的发放要求 以继续获得斯塔福德贷款计划的资格.

还款:在开始还款前,你将获得六个月的宽限期 毕业后,离开学校,或降至半衰期以下. 在这 期间,你应该从你的贷款服务收到还款信息,并被通知 of when your first payment is due. 但是,你有责任开始还款 准时,即使你没有收到这个信息. 你 may create a sample loan 还款计划和在线审查贷款还款选项.

Students must complete exit counseling whenever his/her enrollment drops below half-time. Winthrop University will receive electronic notification when exit counseling has been completed.

要查看有关联邦学生贷款和助学金的数据,请访问 National Student Loan Data System (NSLDS).


Federal Direct Subsidized Loan

直接补贴斯塔福德贷款是为有经济需求的本科生提供的 as determined by the FAFSA. 联邦政府支付贷款利息(“补贴”) 贷款)当你上学时,至少有一半时间. For 2022-2023, the fixed 速率是4.99%. 该利率在贷款期限内适用.  结果, 如果你每年都借钱,很可能每笔贷款都会有不同的固定期限 interest 率. 你可以选择在上学期间开始偿还贷款. 联系 Direct Loan Servicing Center for further information.

由于2012年7月颁布的立法,直接贷款利息的资格 对新借款人的补贴有限(2013年7月1日之前没有学生贷款). 新的借款人只能获得补贴贷款,最高可达公布贷款的150% length of the student's current educational program. Once the student reaches that 限制,他或她只能借无补贴的贷款,利息开始累积 on the student's outstanding subsidized loan.


Federal Direct Unsubsidized Loan

直接无补贴斯塔福德贷款是基于非需求的联邦贷款. If you qualify 对于无补贴贷款,你将从贷款发放之日起收取利息 until it is paid 全额. For 2022-2023, the fixed interest 速率是4.99% (undergraduate students) and 6.54% (graduate students). The interest 率 will apply for the life 关于贷款.  因此,如果你每年都借贷款,很可能每一笔贷款 will have a different fixed interest 率. While attending school, you may choose 要开始偿还贷款,只需支付利息,或允许利息累积. Students make this decision during the loan application process; however, the decision can be changed at any time by contacting the Direct Loan Servicing Center.


Federal Direct PLUS Loans for 研究生 Students

研究生可以借联邦直接贷款来帮助支付教育费用 费用. 你可以借到的最大贷款金额是你的出勤成本减去 联邦直接斯塔福德贷款和其他估计的财政援助. 贷款 为了偿还,所以你被鼓励只借你实际需要的贷款 need to cover your educational 费用.

The PLUS Loan has a fixed interest 率 of 7.54% for the 2022-2023 academic year. 你会被收取利息,从贷款发放时起,直到贷款还清为止 全额. 该利率在贷款期限内适用. 结果, if you 每年借款,很可能每笔借款都会有不同的固定利息 率. 美国.S. 教育部收取贷款费用,按比例扣除 each 支付 关于贷款. 对于在09/30/20之后发放的贷款,贷款费用为 4.228%.

To apply for the PLUS Loan, please complete the Federal Direct 研究生 PLUS Loan Request Form and submit it to the Office of Financial 援助. 你 must submit a Free Application for Federal Student 援助 (FAFSA),至少有一半的时间在研究生学位课程中注册,并且没有 an adverse credit history. 填妥的PLUS贷款申请将提交给 Direct Loan Servicing Center for approval. Please note that the Office of Financial 援助无权批准或拒绝PLUS贷款的请求.

首次PLUS贷款借款人将需要完成 Entrance Counseling 和一个 Master Promissory Note (MPN)在 Direct Loan Servicing Center. 温斯洛普大学将收到电子通知时,这些要求 have been completed.

你 must be enrolled at least half-time (4.5信用 hours) to receive a PLUS Loan 支付. 一旦所有的奖励要求已经满足,你的经济援助将 credited to your student account. 更多的 information, please visit Applying for 援助.

Returning students must maintain Satisfactory Academic Progress 并提交 Federal Direct 研究生 PLUS Loan Request Form 考虑在未来学年申请PLUS贷款.

还款:第一笔还款在最后一笔PLUS贷款支付后60天内到期. 然而,你可以推迟还款,当你注册至少一半的时间. 如果你的 PLUS贷款在2008年7月1日或之后首次支付,你也可以推迟还款 在你停止注册后的另外六个月,至少是一半的时间. 你 应该从你的贷款服务收到还款信息,并通知何时 your first payment is due. 但是,你有责任开始偿还 time, even if you do not receive this information. 你 may create a sample loan repayment schedule and review loan repayment options online.

Students must complete exit counseling whenever his/her enrollment drops below half-time. Winthrop University will receive electronic notification when exit counseling has been completed.

要查看有关联邦学生贷款和助学金的数据,请访问 National Student Loan Data System (NSLDS).

更多的 information, please contact the Office of Financial 援助.

Last Updated: 7/13/22