联邦学生贷款

Student Financial Services (SFS) offers 联邦 Direct 补贴贷款和无补贴贷款 学生，以及联邦直接 家长PLUS贷款 本科生. 联邦 loans are borrowed directly from the U.S. Department of Education (ED), and they have to be repaid with 感兴趣. 请浏览教育署 http://fsapartners.ed.gov/knowledge-center/topics/default-management 网页 to view 澳门新葡京博彩’s Cohort Default Rate and to see how it compares to other institutions or the national average. 的 percentage of students who borrow at 澳门新葡京博彩 can separately be found at ED’s http://collegescorecard.ed.gov/school/?136516-Polk-State-College 网页.

Several individuals with extensive student loan expertise are available to answer 你r borrowing questions. 例如, SFS’s Executive Director is a National Association of Student 金融援助 Administrator (NASFAA) 注册财务援助管理员®. 话虽如此, Charisse Bowe is our office’s point-of-contact for loans, and we recommend 你 speak with her by contacting cbowe@波尔克.edu or (863) 297-1004 if 你 have any concerns about taking out a loan. 学生们也被鼓励复习SFS 金融知识指导.

资格

  1. You must have a completed, error-free (no verification pending) FAFSA.
  2. You must be enrolled in at least six credit hours.
  3. 你一定要见 令人满意的学业进展.
  4. You must correctly complete and submit a request.
  5. 你必须填写一份 主本票.
  6. 你必须完成 入学咨询.
  7. 注意:
    • 的 loan process could take some time; therefore, we strongly suggest 你 apply early. 当您的文件完成时, federal student loans will be automatically packaged according to 你r eligibility.
    • First-time, first-year borrowers may not receive a disbursement until after the 30th day after the beginning of the payment period or the first day of class.
    • Borrowers who graduate or drop below half-time enrollment must also complete Exit Counseling by visiting http://studentaid.gov/exit-counseling. ED’s Direct Loan Exit Counseling Guide can be viewed at http://studentaid.gov/sites/default/files/exit-counseling.pdf.

私人/另类贷款

Private / alternative student loans are not provided or subsidized by the federal government; instead, 它们由银行提供资金, 信用合作社, 或者其他类型的贷款人. 的 bank or lender–not the federal government–sets 感兴趣 rates, 贷款限制, 条款, and conditions of private / alternative student loans. 请查看下表并访问 http://studentaid.gov/understand-aid/types/loans/federal-vs-private for more information on private / alternative student loans.

联邦私人/另类
You will not have to start repaying 你r federal student loans until 你 graduate, 离开学校, or change 你r enrollment status to less than half-time.Many private student loans require payments while 你 are still in school.
的 感兴趣 rate is fixed and is often lower than private loans and much lower than some credit card 感兴趣 rates. 查看 现行利率 澳门新葡京博彩联邦学生贷款.Private student loans can have variable 感兴趣 rates, some greater than 18%. A variable rate may substantially increase the total amount 你 repay.
Undergraduate students with financial need will likely qualify for a subsidized loan where the government pays the 感兴趣 while 你 are in school on at least a half-time basis.私人学生贷款没有补贴. No one will pay the 感兴趣 on 你r loan other than 你.
You don’t need to get a credit check for most federal student loans (except for PLUS loans). 联邦 student loans can help 你 establish a good credit record.Private student loans may require an established credit record. 的 cost of a private student loan will depend on 你r credit score and other factors.
You will not need a cosigner to get a federal student loan in most cases.你可能需要一个担保人.
利息可以抵税.利息不能抵税.
贷款可以合并成一家直接公司
合并贷款. 访问 http://studentaid.gov/manage-loans/consolidation 以了解合并选项.		Private student loans cannot currently be consolidated into a Direct 合并贷款.
如果你在偿还贷款方面有困难, 你 may be able to temporarily postpone or lower 你r payments.Private student loans may not offer forbearance or deferment options.
的re are several repayment plans, including an option to tie 你r monthly payment to 你r income.Private student loans may not offer forbearance or deferment options.
没有预付罚金.可能会有预付罚金.
You may be eligible to have some portion of 你r loans forgiven if 你 work in public service.It is unlikely that 你r lender will offer a loan forgiveness program.
Free help is available at 1-800-4-FED-AID and on our websites.的 消费者金融保护局的 private student loan ombudsman may be able to assist 你 if 你 have concerns about 你r private student loan.