联邦直接贷款
联邦直接贷款 are low-interest loans provided by the federal government that can help you pay your college expenses.
针对学生的联邦直接贷款有两种:
- 联邦直接补贴贷款 are based on financial need which is determined by completing the Free Application for 联邦学生资助. A loan is “subsidized” when the government pays the interest for the student while the student is enrolled in school at least half time, for the first six months after you leave school (referred to as a grace period*) and during periods of authorized deferment.
*注意: If you received a 直接补贴 Loan that was first disbursed between July 1, 2012, 及七月一日, 2014, you will be responsible for paying any interest that accrues during your grace period. If you choose not to pay the interest that accrues during your grace period, 利息将加到你的本金余额中.
- 无补贴联邦直接贷款 不是基于经济需要吗. 这笔贷款没有政府补贴. The student is responsible for all interest that accrues during in-school, 宽限期和缓期. Students may choose to make interest payments while in school or may defer (and accumulate) the interest until repayment.
Further details regarding the Direct Loan Program may be obtained from 联邦学生资助.
Students must enroll in a MINIMUM of six Title IV eligible credits each semester
Students must do this in order to receive loan funding and use loan money for educational expenses for attendance at 杰克逊的大学 (JC). Your loan application will be processed based on our institutional cost of attendance. A class that has previously been attempted twice will not count toward your six Title IV eligible credit hours. 如果你的学分低于六小时, 您未来的贷款发放将被取消. 如果你退学了, you may be subject to having to repay a portion of your loan funds immediately to JC. The amount you have to repay will be determined in accordance to the U.S. 教育部的第四章资金返还政策.
学生必须有良好的学术成绩
Students must be making satisfactory academic progress towards completing their JC degree or certificate program. Good academic standing means maintaining a minimum cumulative grade point average of 2.0. Satisfactory academic progress toward completion of a course of study means completion of 67 percent (%) of all attempted credits. Students not meeting the satisfactory academic progress standards will be given one semester on an academic warning status. Students may receive financial aid, including loans, during their academic warning semester. Students that have reached their credit hour limit or have been suspended from Federal financial aid will not be eligible for loans.
重要的信息
JC担心我们学生的高负债水平. All Federal 直接补贴 and 未受资助的 贷款 are based on a standard institutional budget. 联邦直接贷款 are intended to be used for direct educational expenses including tuition, 费用, 学生食宿, 书籍和交通. 你可能没有资格获得最高额度的贷款. 贷款资金不能用于支付非教育费用.
另外, your actual loan amount is based on your loan period and other financial aid/educational resources you receive during the loan period. 如果你申请的是JC一个学期的学费贷款, 你的贷款金额不会超过你每年贷款限额的一半. 一个学期的贷款也有两个支付日期. You must be enrolled in a minimum of 6 credit hours to receive any loan funds. 您将自动优先考虑获得补贴贷款资金.
Original loans will only be processed for the fall and spring semesters. You will receive an email at your JC e-mail account when your award has been determined. You may reduce the amount of your loan after you accept your loan through 的地方. 夏季的贷款申请将在3月中旬提供. You will only be eligible for a summer loan if you have not received the maximum amount during the fall and spring semesters. (见下表).)
整个学年的年度最高借款限额
(秋天,春天 & 夏季)
依赖
| 学生的地位 | 补贴 | 总计。 (补贴+非补贴) |
|---|---|---|
| 大一(0-23学分) | $3,500 | $5,500 |
| 大二(24+学分) | $4,500 | $6,500 |
独立的
| 学生的地位 | 补贴 | 总计。 (补贴+非补贴) |
|---|---|---|
| 大一(0-23学分) | $3,500 | $9,500 |
| 大二(24+学分) | $4,500 | $10,500 |
If you change from a freshman status to a sophomore status during the academic year, 你的最高资格是大二状态的总和.
美国.S. Department of Education will deduct 费用 from the approved amount of your loan before the funds are sent to JC. (见下图)
发放的费用
| 贷款类型 | 首次付款日期 | 融资费用 |
|---|---|---|
| 直接补贴 & 未受资助的 | 10/01/22 – 09/30/24 | 1.057% |
| 直接加 | 10/01/22 – 09/30/24 | 4.228% |
利率
| 贷款类型 | 首次付款日期 | 固定利率 |
|---|---|---|
| 直接补贴 & 未受资助的 | 07/01/23 – 06/30/24 | 5.50% |
| 直接加 | 07/01/23 – 06/30/24 | 8.05% |
| 直接补贴 & 未受资助的 | 07/01/22 – 06/30/23 | 4.99% |
| 直接加 | 07/01/22 – 06/30/23 | 7.54% |
估计每月的直接贷款和贷款全球网络赌博平台
(标准还款)
| 当贷款进入还款时的债务 | 每月* | 总计。 |
|---|---|---|
| $5,000 | $58 | $6,904 |
| $10,000 | $115 | $13,809 |
| $25,000 | $288 | $34,524 |
| $50,000 | $575 | $69,048 |
| $100,000 | $1,151 | $138,096 |
付款是按固定利率计算的.在2006年7月1日或之后发放的贷款须缴付8%的利息.
Federal Direct and PLUS Loan information will be submitted to the National Student Loan Data System (NSLDS) and will be accessible by guaranty agencies, lenders and institutions determined to be authorized users of the data system.