援助贷款的种类
贷款是必须偿还的借款. There are different types of federal loans, as well as private loans. UWF encourages students to initially seek non-loan financial aid options such as grants and/or scholarships if eligibility exists.
贷款是必须偿还的借款. 低息, long-term loans are awarded on the basis of demonstrated financial need or the cost of attendance. 联邦直接贷款有不同的类型. 对于那些必须借书的学生, UWF encourages to borrow the least amount required to meet your needs.
When you complete the FAFSA, you are applying for all of the aid programs. You do not complete a separate application for the Federal Direct Loan. 直接贷款有两种类型:
- 补贴 - you will not be charged interest while you are enrolled at least half-time (6 hours), 在宽限期内, 或者在延期期间. 补贴 loans are available only to undergraduate students.
- 未受资助的 -不因需要而获发. You will be charged interest from the time the loan is disbursed until it is paid in full. If you allow the interest to accumulate, it will be capitalized. The interest will be added to the principal amount of the loan and additional interest will be based upon the higher amount. 这将增加要偿还的金额. You will repay less if the interest is paid as it accumulates.
If you have already accepted or declined your loans, and you would like to 请求 如有更改，请填写 直接贷款申请表格.
了解更多关于 联邦学生贷款. Students must also complete entrance counseling and sign the master promissory note by going to StudentAid.政府.
The Grad PLUS loan allows a graduate student to borrow up to the total cost of attendance minus any other financial aid. 目前的利率是6%.31%, and repayment is generally deferred while in school.
In order to qualify for the Grad PLUS, the student must meet basic eligibility requirements:
- 完成FAFSA. 虽然这不是必需的, it is our recommendation that you borrow your maximum unsubsidized loan limits before applying for a Grad PLUS loan.
- Be enrolled in a minimum of 3 graduate level credit hours.
- 做一个U.S. 公民或符合条件的非公民.
- 保持令人满意的学业进步标准.
- 通过信用检查.
- 研究生可在以下网址申请研究生PLUS贷款 StudentAid.政府.
联邦直接父母(PLUS)贷款
The Parent PLUS loan allows a parent to borrow on behalf of their dependent, undergraduate children who are enrolled at least half-time (6 hours). A PLUS loan may not exceed the cost of attendance minus other aid awarded. Parents of dependent undergraduate students may apply for the Parent PLUS loan at StudentAid.政府.
- 请注意: You are required to complete the FAFSA prior to obtaining a PLUS loan. Repayment begins within 60 days of the loan being disbursed unless deferred repayment is 请求ed by the parent.
替代/私人贷款
虽然这不是必需的, you are encouraged to exhaust all federal loan eligibility prior to applying for a private/alternative loan. Also be aware that there is a waiting period from the time that the loan is certified by the UWF 金融援助 Office and when the funds can be released to your account. It is advisable to apply for private loans before the start of the semester if you plan to use the funds to pay for fees due on the fee payment deadline. The terms of a federal loan are generally more favorable than a private loan. 如果你没有资格获得经济援助, 已达到总贷款限额, 或者需要超过你已经获得的援助, 你可以申请私人贷款, 通常被称为替代贷款. 用这种贷款, 你是通过私人贷款机构申请的, and the 金融援助 Office only certifies your enrollment and cost of education. A credit check is done by the lender to determine approval. The lender determines interest rate, processing fees, and repayment.
您有权选择您所选择的任何贷款人. 一旦你的申请完成并被处理, it will be sent to us electronically within 24 to 48 hours so we can begin the certification process. We do not recommend specific lenders and have elected not to publish specific information on individual loans/lenders due to the fact that borrower benefits are subject to change without notice. Interest rates and loan terms vary greatly among lenders; you should look at all options in selecting a private loan. The best way to locate a lender is to do an internet search for "private student loans". Detailed information regarding a specific loan can be found on the lender website or by contacting them directly. There are also comparison tools that can be found online which allow you to see multiple options for multiple lenders in the same way people do research for a mortgage lender. Due to legislative and economic changes in the student loan industry, we recommend that you contact a lender prior to submitting a loan application to determine if they are accepting applications from UWF students. There are certain lenders who have chosen to accept applications only for students attending specific institutions.
We are required by federal regulation to provide the disclosures in the 诚实借贷法. Private loan borrowers are required to complete an Applicant Self-Certification Form when 请求ing a private loan. 表格由你的贷款人提供.
Private loans are refunded using the same method as other types of financial aid: UWF delivers your refund with BankMobile Disbursements, 由BMTX提供支持的技术解决方案, 公司.
所有贷方都会进行信用检查. Keep in mind that multiple credit inquiries do reduce a borrower's credit score.
违约率通知
UWF's cohort default rate (CDR) for 联邦学生贷款 is 0%, 低于1%的全国平均水平(截至10月10日). 4, 2023).