联邦直接贷款 are made to students and guaranteed by the U.S. government to further assist needy students. A federal direct loan is money students borrow from the government that have to pay back with interest. Students are encouraged to apply for grants and scholarships before taking out a student loan, because it is a serious and long-term obligation.
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学生必须至少注册半天。
All students 必须 demonstrate need in order to receive a subsidized Federal Direct
Loan. Need is determined by standard student expense budget less student financial
assistance and the Expected Family Contribution (EFC).
借款人在认证时必须达到令人满意的学术标准。
Students who have defaulted on a loan and resolve the defaulted loan may receive a
Direct Loan for the academic year in which the default was resolved This is different
from eligibility for Pell and campus based aid that only allows payment for the period
in which the student regained eligibility.
All students 必须 complete Entrance and 退出贷款咨询, as well as sign a Master
Promissory Note (MPN) annually.
Students who appear to have their financial need met who are also receiving need- based aid (i.e. FSEOG, Cal Grant, Work-study, etc.) may be encouraged to go through additional loan counseling
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夏季学期 Loans are available during the summer term. If a student received loans for both the fall and spring terms, they may not receive a summer loan. However, if the students only received a loan for with the fall or spring term, then they may receive a summer term. |
Subsidized loans provide low interest rates and are available to students who demonstrate financial need as determined by the information provided on the Free Application for Federal Student Aid (FAFSA). The Federal government pays the accruing interest on the loan while the student is attending school at least half time or during deferment.
Unsubsidized loans provide low interest rates and are available to all students regardless
of financial need. The student’s interest begins to accrue from the date the loan
is disbursed, and payment is delayed if the student has an in -school, grace or deferment
status. If the accruing interest is not paid, it will be added to the principal amount
of the loan and increase the repayment amount. Students have the option of paying
interest as it accrues, reducing the total cost of the loan. While unsubsidized loans
are not generally encouraged for students at Grossmont大学 due to the increased
interest costs, these loans are processed at the student’s request.
Grossmont大学 will not process Alternative Loans in excess of the student’s cost of education and/or the student’s financial need, regardless of the EFC.
太阳城娱乐不参加PLUS贷款项目。
Any student applying for aprivateeducation loan at Grossmont大学 必须 complete a Free Application for Federal 太阳城娱乐 (FAFSA) to ensure that all available waivers and grants are available to the student, as well as to encourage students to make use of low-interest loans available through the Department of Education (subsidized if eligible). Student borrowers at Grossmont大学 are counseled to compare the terms and conditions of Department of Education loans with the terms and conditions ofprivateeducation loans to determine the more favorable borrowing option.
Before pursuing private loans, you are strongly encouraged to complete the appropriate year Free Application for Federal Student Aid (FAFSA). Completing a FAFSA and submitting any additional required documents will ensure that your maximum Federal Title IV, state and institutional scholarship, grant and loan eligibility is determined first. Information about the most common federal, state and institutional financial aid programs can be found throughout the website. Generally, the terms and conditions of federal, state and institutional programs are more favorable than those of private educational loans. Private loans should be considered a last resort. You may borrow from any lender of your choice; you are not restricted to any particular lender. You are strongly encouraged to research all available loan options and select the loan that works best for your particular situation.
私人教育贷款 - 申请人自我证明表格
Students who are first-time borrowers of subsidized and/or unsubsidized Direct Student loans 必须 complete Direct Loan 入学咨询 before loans can be disbursed. Direct Loan 入学咨询 helps ensure that the borrower understands the terms and conditions of the loan, as well as their rights and responsibilities as a loan borrower. Borrowers who do not complete Direct Loan 入学咨询 will be unable to receive student loans.
直接贷款入学咨询可在学生资助网页. Students will need their FSA ID to log in. Make sure to indicate Grossmont大学 as the recipient school once the process is complete so that an electronic notice is sent to the school.
更多信息可在教育部出版的《入学辅导指南》
主本票（MPN） is the legal document by which you promise to pay your Direct Loans and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of your loans, provides consumer information and your right and responsibilities as a student borrower.
| 一年 | 依赖学生 | 独立的学生 |
| 第一年本科生年度贷款限额 (0至29。9单位 |
$5,550 -其中不超过$3,500可作为补贴贷款 | $9,500 -其中不超过$3,500为补贴贷款 |
| 二年级本科生 年度贷款限额 （已完成超过30个单位） |
$6,500 -其中不超过$4,500可作为分期贷款 | 10,500美元-其中不超过4,500美元可作为补贴贷款 |
| 有补贴和无补贴 总贷款限额 |
$31,000 -其中不超过$23,000可作为分期贷款 | $57,500 for undergraduates - no more than $23,000 of this amount may be in subsidized loans |
Students approved for one semester only of financial aid, are only eligible for one
half the maximum annual loan amount.
Students whose academic status changes from grade level one (0 – 29.9 units) to grade level two (30 or more units) during the academic year will be eligible for grade level two loan amounts to a maximum of $500 for the spring semester.
The HEA of 1998 allows for the adjustment in loan amounts based on professional judgment. On a case-by-case basis, an eligible institution may refuse to certify a loan amount or make a loan that is less than the student's determination of need (as determined under this part), if the reason for the action is documented and provided in written form to the student. No eligible institution shall discriminate against any borrower or applicant in obtaining a loan on the basis of race, national origin, religion, sex, marital status, age, or disability status.
The interest rates below are effective for all Direct Loans with a first disbursement on or 后 July 1, 2023.Under the new interest rate structure, all Direct Loans will be “variable-fixed,” meaning students would receive a new rate with each new loan, but then that rate is to be fixed for the life of the loan. There are also interest rate caps at 8.25% for 直接资助贷款 and Direct 未受资助的贷款 for undergraduate students. Rates for loans issued in prior years will vary.
| 贷款类型 | 借款人类型 | 固定利率 |
|
直接资助贷款 未受资助的贷款 |
本科 | 5.50% |
Borrowers are required to pay an origination and insurance fee. These fees are deducted from the proceeds of the loan. For loans disbursed on or 后 October 1, 2023, the origination fee is 1.057%.
步骤1: Complete the Free Application for Federal Student Aid (FAFSA) and any other required documents
步骤2:Receive an award notification and read and complete the Direct Loan Request Packet, available online or at the 太阳城娱乐 Office.
Students are required to complete the FAFSA before requesting a loan. Upon the completion of the verification process, student will be notified is they are eligible for student loans.
步骤3:完成直接贷款入学咨询
步骤4:填写主本票
步骤5: 在校园逻辑中完成一次贷款请求
申请贷款的截止日期为每学期结束前一周。
借款人有权：
在贷款前或贷款时收到你的本票副本
提前支付全部或部分贷款，没有还款罚款
收到书面通知，如果您的贷款被出售给新的持有人
申请在某些指定期间延期偿还贷款（如符合资格）
Request forbearance from the holder of your loan if unable to make payments and don't
qualify for deferment
当你的贷款全部付清时收到证明
收到书面通知，如果你的贷款被出售给新的持有人
Receive a disclosure statement before repayment on your loan begins, including information about:
-利率
——费用
-贷款余额
-付款次数
-每次付款的金额
- A grace period 后 you leave school or drop below half-time status before your loan payments begin (if applicable)
借款人同意：
偿还你的贷款，包括应计利息及费用，即使你没有：
-完成或在教育中找到满足感
-在规定时间内完成项目
-就业
在离校前参加离校咨询，或在半日以下入学
如有下列情况，请在十天内通知贷款持有人：
—更改您的姓名、地址或电话号码
-低于半场状态
-退学
-转到另一所学校
-更改毕业日期
将所有信件直接寄给贷款持有人或服务机构
Make monthly payments on the loan 后 leaving school, unless granted a deferment
or forbearance
Direct Loans are disbursed by the District Accounting Office via direct deposit with
BankMobile.
First time borrowers will have scheduled disbursements 30 days 后 the beginning
of the semester. Retroactive payments are not subject to the 30-day disbursement delay.
中断资格 - if a student temporarily dropped below half-time and has 恢复 enrollment on at least a half-time basis, the school may deliver loan proceeds if the school determines and documents:
这个学生有 恢复 至少半学期入学；
和
The revised cost of attendance for the portion of the loan period that the student
was or will be enrolled at least half-time;
和
That based on the revisions, the student continues to be eligible for the entire amount of the loan.
A disbursement is late if it is received 后 the end of the loan period, or before the end of the loan period but 后 the student ceased to be enrolled on at least a half-time basis.
在获得报酬之前完成其课程的学生 必须 在下列情况下，可考虑延迟发放直接贷款：
贷款是在学生失去资格之前发放的，
和
an ISIR with an official EFC was processed before the student became ineligible (check
the “process date” on the earliest ISIR for the school year, keeping in mind that
the school may not have received the student’s earliest ISIR if it was not listed).
Similarly, a student who withdraws from school before being paid a first disbursement
必须 be considered for a late disbursement, subject to the two conditions listed above.
(However, late disbursements for subsequent payment periods may not be made to students
who withdraw 后 收到第一笔付款)。
The school 必须 determine that the total amount of prior disbursements and late disbursement do not exceed student's documented expenses for the portion of the loan period completed on at least a half-time basis. School is also required to contact the borrower in cases where the borrower is eligible for a late disbursement or post-withdrawal disbursement to confirm whether the loan funds are still needed.
学校不得：
Deliver a late first disbursement if student is subject to delayed delivery and student's
last recorded date of attendance is earlier than the 30th day of the loan period.
Deliver a late second or subsequent disbursement unless the student graduated or completed
the loan period
Deliver any portion of the loan considered awarded for a payment period that the student
was not enrolled on a least a half-time basis.
Deliver a late disbursement if it is received more than 60 days 后 the earlier
of the above dates.
Deliver proceeds for which student does not qualify 后 a school's determination of adjusted costs and financial need
Federal Direct Loan borrowers have the right to cancel or reduce all or a portion of their Federal Direct Loan and have their loan proceeds return to the holder of the loan. Students 必须 notify the 太阳城娱乐 Office within 14 days of the loan(s) being credited to their Grossmont大学 account by completing the Award Cancellation Request Form Students wishing to return any portion of their loan(s) 后这段时间需要联系他们的贷款服务有关付款。
All students who receive a loan 必须 complete mandatory online loan exit counseling through the Department of Education. Loan exit counseling provides important information regarding repayment, deferment, and default prevention and 必须 be completed when the borrower:
从大学退学；
或
低于中场休息单位；
或
转学到另一所大学；
或
毕业生
访问学生援助网站完成贷款退出咨询 and be sure to select Grossmont大学 when asked, to ensure the 太阳城娱乐 Office will receive confirmation that the student completed the requirement. Students will need their FSA ID and password to complete the loan exit counseling. Upon completion of the exam, students will print the confirmation page and sent to the 太阳城娱乐 Office that they have completed the exit counseling successfully.
The Direct Loan Program offers a number of different loan repayment plans designed to meet the needs of most borrowers. Direct Loans are funded by the U.S. Department of Education through schools and are managed by a loan servicer, under the supervision of the Department. The Direct Loan Program allows you to choose your repayment plan and to switch your plan if your needs change. There is also the possibility of having loans forgiven under the Public Service Loan Forgiveness (PSLF) program. Consult the 联邦学生贷款偿还计划网站 for details. If you currently have a Direct Loan and would like the exact payment amount on your loan, you can find it out by contacting your loan servicer.
Taking out a Federal Direct Student Loan will have an impact on your future credit
and financial aid eligibility. Failure to make regularly scheduled payments on your
student loan can lead to a defaulted loan.
请务必与直接学生贷款联系 www。direct。ed。gov if you have any difficulties in paying your loan. This includes economic hardship, unemployment, temporary disability, or returning to school at least half-time. The government will give you several options to temporary defer your loan payments.
你将没有资格获得进一步的联邦学生援助
-你将失去延期的选择
-你的贷款可能会被转交给讨债公司
-你的信用等级将受到损害
-你的工资会被扣发，你的退税也会被拿走
-你可能会受到联邦政府的法律诉讼
- Your total debt may be increased by collection fees, attorney fees, late fees, court costs and additional interest
If the school is notified by the lender of a bankruptcy action and is instructed to return any Title IV loan funds that have not been released to the borrower, the school 必须 immediately return any undelivered funds to the lender. In addition, if the school receives notification that a Stafford or PLUS borrower has filed a bankruptcy action 后 the school certified the loan but before the funds have been delivered to the borrower, the school should return any undelivered funds. The school 必须 include an explanation that the funds are being returned because the borrower has filed for bankruptcy and 必须 attach a copy of any documentation it possesses regarding the bankruptcy.
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信息披露 Any and all loans activated at Grossmont大学 will be submitted the National Student Loan Data System (NSLDS), and will be accessible by guarantee agencies, lenders, and schools determined to be authorized users of the data system. |