联邦直接贷款
联邦贷款计划
联邦直接贷款 are for undergraduate, graduate and professional degree students, 至少有一半时间注册, who meet the general requirements to receive federal aid. 威廉D号. Ford Federal Direct Loan Program is the largest federal student loan program. 根据这一计划，美国政府将.S. Department of Education is your lender.
联邦直接补贴贷款
Details
- For undergraduate students who are 至少有一半时间注册 and demonstrate financial need
- 利息是4.99% for loans made between 7/1/2022 and 7/1/2023
- Student is not charged interest on the loan while in school and during deferment periods
- 美国.S. Department of Education (ED) is the lender; payment is owed to ED
限制
- Between $3,500 and $5,500 depending on year in school
费用
- 1.057% - On or after 10/1/2021 and before 10/1/2023
联邦直接无补贴贷款
Details
- For undergraduate and graduate students who are 至少有一半时间注册
- 利息是4.本科生99%，6.54% for graduate loans made between 7/1/2022 and 7/1/2023
- Student is responsible for interest during all periods
- 美国.S. Department of Education (ED) is the lender; payment is owed to ED
限制
- 5美元之间,500 to $20,500 (minus any subsidized amount received for the same period) depending on year in school and dependency status
费用
- 1.057% - On or after 10/1/2021 and before 10/1/2023
Federal Direct PLUS Loan for 父母
Details
- 供受供养学生的家长使用
- Dependent students must be 至少有一半时间注册
- 利息是7.54% for loans made between 7/1/2022 and 7/1/2023
- Parent must not have negative credit history
- Parent is responsible for interest during all periods
- 美国.S. Department of Education (ED) is the lender; payment is owed to ED
限制
- Maximum amount is cost of attendance* minus any other financial aid the student receives
费用
- 4.228% - On or after 10/1/2021 and before 10/1/2023
Federal Direct PLUS Loan for Graduate or Professional Students
Details
-
For graduate or professional degree students who are 至少有一半时间注册
- If the student has not requested the annual maximum Unsubsidized Stafford Loan amount they are eligible for, the school must notify the student of this eligibility and give them the opportunity to request it
- Student must not have negative credit history
- 利息是7.54% for loans made between 7/1/2022 and 7/1/2023
- Student is responsible for interest during all periods
- 美国.S. Department of Education (ED) is the lender; payment is owed to ED
限制
- Maximum amount is cost of attendance* minus any other financial aid the student receives
费用
- 4.228% - On or after 10/1/2021 and before 10/1/2023
The annual maximum amount may be awarded to you as a combination of subsidized and unsubsidized. You must pay the interest on the portion that is unsubsidized while in school, and during any grace or in-school deferment periods, unless you elect to have the interest added to the principal. 这叫做大写. Having the interest capitalized will mean larger payments when you begin repayment.
Most federal student loans have loan fees that are a percentage of the total loan amount. The loan fee is deducted proportionately from each loan disbursement you receive. This means the money you receive will be less than the amount you actually borrow. You're responsible for repaying the entire amount you borrowed and not just the amount you received.
The Biden-Harris Administration's Student Debt Relief Plan Explained
What the program means for you, and what comes next
President Biden, Vice President Harris, and the U.S. Department of Education have announced a three-part plan to help working and middle-class federal student loan borrowers transition back to regular payment as pandemic-related support expires.
This plan includes loan forgiveness of 到 $20,000. Many borrowers and families may be asking themselves “what do I have to do to claim this relief?” This link will provide answers to those questions and more: http://studentaid.gov/debt-relief-announcement/.
There will be more details announced in the near future. To be notified when the process has officially opened, sign up at the Department of Education subscription page.
你的期限到12月. 31、2023年申请.