直接贷款

Eligibility requirements 

• Enrolled at least half-time (6 credits undergraduate / 3 credits graduate).
• 让令人满意 学术 progress.     

申请过程

• Your initial eligibility application 是你的 Free Application for Federal Student 援助 (FAFSA).
• First-time borrowers of subsidized or unsubsidized loans 必须签署 主本票 (MPN)，完成 入学咨询 before receiving the first payment.

还款

• 开始还款 six months after ceasing at least half-time enrollment in school.
• 在无补贴贷款方面， interest begins to accrue at disbursement. Payment of accruing interest is not required until the loan enters repayment. 
• 在补贴贷款方面， interest accrues according to date of first disbursement. For most subsidized loans, interest accrual begins six months after ceasing at least half-time enrollment in school.
• The st和ard repayment 期限为10年.
• The minimum monthly payment is $50.     

Subsidized loans: 150 percent loan limit 

Due to the Moving Ahead for Progress in the 21st Century Act, a new borrower on or after July 1, 2013, cannot receive subsidized loans for more than 150 percent of the published length of the borrower’s educational program (for example, a student who is in a 4-year program can receive subsidized loans for up to 6 years).

The law also notes that a borrower who becomes ineligible for subsidized loans because of the 150 percent limit is ineligible for interest-subsidy benefits on all subsidized loans first disbursed to that borrower on or after July 1, 2013.

Who's a first-time borrower? Generally, one who did not have an outst和ing balance of principal or interest on a Direct Loan or on a FFEL Program loan on July 1, 2013.

请注意, 7月1日起, 2021, this loan limit has been repealed for all first-time borrowers on or after July 1, 2021. While this limit will still apply to students who borrowed a Federal Direct Loan or FFEL Program Loan between July 1, 2013年和7月1日, 2021, students whose first Federal Direct Loan disbursement was on or after July 1, 2021 will no longer be held to this 150% limit.

问题?

读了 直接贷款服务商 和 loan repayment information.