联邦直接贷款
联邦直接贷款, from the William D. Ford Federal Direct Loan (Direct Loan) Program, are low-interest 贷款 for students to help meet the cost of higher education. 符合条件的 students borrow directly from the U.S. 教育部. 联邦直接贷款 are subsidized 和/or unsubsidized, depending on financial need.
补贴 贷款 are for undergraduate students 和 are awarded based on financial need, as determined by the results of your FAFSA. 的 interest rate for 贷款 borrowed for the 2023 to 2024 academic year is fixed at 5.50%， 2023年7月1日生效. 还款 of the principal is deferred until six months after you graduate or cease 半场 招生. 的 interest is paid by the government while you are enrolled at least 半场.
未受资助的 贷款 are available to all students - undergraduate 和 graduate - who file the FAFSA, 无论经济需要如何. 的 interest rate for 2023 to 2024 贷款 is fixed at 5.本科生占50%，7%.05% for graduate students, as of July 1, 2023. 还款 of the principal is deferred until six months after you graduate or cease 半场 招生. 利息是在登记时产生的. Deferment is available for interest payments.
Federal Direct loan amounts vary depending on grade level 和 dependency status. 的 following chart shows the annual 和 aggregate limits for subsidized 和 unsubsidized 贷款:
|
一年 |
Dependent Students (except students whose parents are unable to obtain PLUS 贷款) |
Independent Students (和 dependent students whose parents are unable to obtain PLUS 贷款) |
| First-一年 Undergraduate Annual Loan Limit | $5,500 - No more than $3,500 of this amount 可能是补贴贷款 | $9,500 - No more than $3,500 of this amount 可能是补贴贷款 |
| Second-一年 Undergraduate Annual Loan Limit | $6,500 - No more than $4,500 of this amount 可能是补贴贷款 | $10,500 - No more than $4,500 of this amount 可能是补贴贷款 |
| Third-一年 和 Beyond Undergraduate Annual Loan Limit | $7,500 - No more than $5,500 of this amount 可能是补贴贷款 | $12,500 - No more than $5,500 of this amount 可能是补贴贷款 |
| Graduate or Professional Students Annual Loan Limit | Not applicable (all graduate 和 professional students are considered independent) | $20,500(仅限无补贴) |
| 补贴 和 未受资助的 Aggregate Loan Limit | $31,000 - No more than $23,000 of this amount 可能是补贴贷款. | $57,500 for undergraduate - No more than $23,000 of this amount may be in subsidized
贷款. $138,500 for graduate or professional students - No more than $65,000 of this amount 可能是补贴贷款. 的 graduate aggregate limit includes all federal 贷款 received for undergraduate study. |
第一次在SXU借款
If you are a first-time Direct Loan borrower at SXU, you must complete your 贷款协议(MPN) 和 十大彩票网赌平台咨询 尽快. Sign In using your FSA ID to complete this requirement.
的se requirements must be completed in order for your loan proceeds to disburse to your student account at the start of the term.
十大彩票网赌平台咨询
完整的咨询出口咨询
完整的退出咨询毕业于SXU
出口咨询
If you are graduating 和 have borrowed from the Federal Direct Loan Program while attending SXU, regulations require you to complete 直接贷款退出咨询. Sign In using your FSA ID to complete this requirement.
的 exit counseling session explains your rights 和 responsibilities as a borrower. 的 process takes about 30 minutes to complete 和 you will need your driver's license, along with the complete name, address 和 phone numbers of three references.
还款
Loans are financial aid that has to be repaid. Following your separation from school 和 your grace period, your 联邦直接贷款 will enter repayment. 保护你的 credit by keeping your Loan Servicer up to date with your contact information, in order to avoid missing important information concerning repayment responsibilities.
联邦直接贷款 offer a variety of repayment plan options to best suit each student's 需要. 使用 Federal 教育部's 还款估计量 to help determine the best repayment option for your circumstances. 联系你的 Loan Servicer to discuss repayment plan options or to change your repayment plan.
十大彩票网赌平台 has partnered with 学生联系 (PDF) to assist in student loan default management. Students may receive communications from this company as part of our financial literacy program.
Federal Direct Loan Borrowing History
If you would like to review your borrowing history under the Federal Direct Loan Program, select 查看我的帐户 on Federal Student 援助's Manage Loans page 和 login using your FSA ID.
All Federal 贷款 borrowed at SXU will be submitted to the National Student Loan Data System (NSLDS) 和 accessible to authorized guaranty agencies, lenders 和 schools for determining eligibility 和 processing purposes. You can utilize the Federal Student 援助's Manage Loans page to monitor your borrowing 和 track your loan statuses, loan holders, balances 和 a variety of other options.
查看你的贷款
使用 Federal Student 援助's Manage Loans page to review all your Federal student loan information online. 你可以监控 your loan status until the day your loan is fully repaid.