桑佛德大学 offers a diverse portfolio of loan options to its undergraduate students and families. The most frequently used loan for undergraduates is the Federal 直接学生贷款. We also offer Parent PLUS, Private and Institutional Loans. Students are notified in their award letter how to request their loan funds. 说明也可以在学生门户网站上找到. In order to understand more about loan options and other information regarding student loans, 请访问这个有用的网站.
在你开始为教育借钱之前, Samford encourages you to research and take advantage of any and all available scholarship, grant, 还有勤工俭学的选择. 比较所有贷款方案的最佳利率, 最低贷款费用, 最广泛的借款人受益.
The Federal Direct Loan Program starts with the Free Application for Federal Student Aid (FAFSA). A student must have a FAFSA submitted for Samford to offer a Federal Direct Loan, 为本科生提供家长PLUS贷款, or a Grad PLUS loan for graduate and professional students. Eligibility requirements, fees, interest rates, and other specifics differ with each of these loans.
直接学生贷款
A student must submit a completed FAFSA to Samford in order to access funding through a 直接学生贷款. Direct Student loan amounts range from $5,500 per year for freshmen to $7,500 per year for seniors. Another $4,000 - $5,000 may be added if the student is deemed independent. FAFSA的结果将决定学生的依赖状态.
There are two types of 直接学生贷款s: Subsidized and Unsubsidized. Both loans have a six month grace period where repayment does not begin until six months after the student graduates or ceases to be enrolled at least half time. The Subsidized loan does not accrue any interest while the student is enrolled at least half time. This loan is awarded based on need as determined by the FAFSA. If you are borrowing a Subsidized 直接学生贷款, please review the information concerning maximum time frames for earning your degree and how that interacts with loan eligibility.
The Direct Unsubsidized Loan is available to any student who files a FAFSA and is enrolled in at least six hours. This loan is not need based and it requires the borrower to pay a quarterly interest payment.
当你第一次获得直接学生贷款时, you must complete Entrance 咨询 and a Master Promissory Note (MPN). The MPN is a legal document in which you promise to repay your loan and any accrued interest and fees to the US Department of Education. 它还解释了贷款的条款和条件. 在大多数情况下, one MPN can be used for 直接学生贷款s that you receive over several years of study. First time borrowers may complete the MPN and Entrance 咨询 requirements online at studentaid.gov. 您需要FAFSA ID才能访问此网站.
For additional information concerning Federal 直接学生贷款s please visit the US Department of Education’s website. Students are notified in their award letter as to how to request their loan funds. 说明也可以在学生门户网站上找到.
家长PLUS贷款
The Parent Loan for 本科 Students (PLUS) is available to parents with acceptable credit and whose information was included on the student’s FAFSA. These loans are typically used to close the gap between net costs after all other aid has been paid to a student’s account and what a student and/or their family can pay out of pocket. The maximum amount available cannot exceed the student’s cost of attendance and may be limited by the potential borrower’s credit rating.
For additional information concerning the PLUS Loan, please visit the US Department of Education’s website 有关家长PLUS贷款. Families are notified in their student’s award letter as to how to request their loan funds. 说明也可以在学生门户网站上找到.
私人贷款
Another financing option available is the Private Education Loan (private loan). 这些贷款是由国家银行发放的, regional, and local lending institutions who exist to assist you in affording your college education. Many of these lenders are well known and you may already be utilizing one of them for your personal banking needs. 这些贷款机构提供的贷款产品各不相同. Therefore, we encourage you to thoroughly explore all options related to private loans and compare them to federal loans.
威廉希尔中文为贷款比较提供了两种选择. 一种是由一家名为 Credible 另一种是由一家叫做 Elm. 可信的行为就像学生贷款的独木舟. You will be able to compare interest rates for loans designed specifically for the borrower and then apply for the loan that best meets the needs of the borrower. Elm is a historical listing of loan providers who have served our students in recent history. Borrowers will have the opportunity to compare loan options for the lenders included in this historical listing. More additional information, please contact your One Stop advisor.
