接受联邦直接贷款
All first-time borrowers (Freshmen 和 New Transfer students) 必须 完成一张主本票(MPN) 和 入学咨询. 否则，援助将不会支付到你的帐户. Counseling is important 和 recommended to all new students. You will need your FSA ID 和 password to complete your 入学咨询 和 Master 本票. You can create or retrieve an FSA ID 和 password at "http://fsaid.ed.政府 / npa /索引.html" if you do not remember it (NOTE: This is the same information you used to sign your FAFSA application). 要完成入学咨询，请访问 www.studentaid.政府.
本票
Learn about the requirements of your federal loans 和 the steps you need to take to satisfy them.
甚么是直接主本票?
The MPN is a promissory note that can be used to make one or more loans for one or more academic years (up to 10 years). There are three types of MPNs in the Direct Loan Program: one for Direct Subsidized/Unsubsidized 贷款, 一个是直接PLUS贷款, 和毕业生PLUS贷款.
- 补贴: for students with demonstrated financial need, as determined by federal regulations. No interest is charged while a student is in school at least half-time, 在宽限期内, 在延期期间. This provision eliminates the interest subsidy provided during the six-month grace period for subsidized loans for which the first disbursement is made on or after July 1, 2012, 七月一日之前, 2014. 如果你在这段时间内获得了补贴贷款, you will be responsible for the interest that accrues while your loan is in the grace period.
- 未受资助的: not based on financial need; interest is charged during all periods, even during the time a student is in school 和 during grace 和 deferment periods.
- 加: unsubsidized loans for the parents of dependent students 和 for graduate/professional students. PLUS loans help pay for education expenses up to the cost of attendance minus all other financial assistance. 在所有期间都要收取利息.
- 登录 http://studentaid.Administration /或然数/
- 单击“登录”框. 您将需要输入您的FSA ID和密码.
- Once you have logged in, select Complete Master 本票 (MPN). Be sure to select the MPN you need for the type of loan you accepted.
入口 & 出口咨询
什么是入学辅导?
入学咨询 is a federal requirement for all Direct 工作人员ord Loan (subsidized 和 unsubsidized) recipients. 研究生 students taking out Direct PLUS 贷款 who have not previously received a PLUS loan under the Direct Loan Program or the FFEL Program, are required to complete entrance counseling even if you previously completed it for a subsidized or unsubsidized loan.
- 你作为借款人的权利和责任.
- Interest rates, expenses, repayment plans, 和 other important details about borrowing.
- 有问题要联系谁.
注意: The funds for your loan will not be disbursed until you have completed the Entrance Counseling.
- 登录 http://www.studentaid.Administration.
- 单击“登录”框. 您将需要输入您的FSA ID和密码.
- Once you have logged in, select Complete 入学咨询. You will need about 30 minutes to complete the counseling session.
什么是退出咨询?
出口咨询 is a federal requirement for all Federal Direct 工作人员ord 贷款, 加上贷款和联邦帕金斯贷款的接受者. 这是您取款前的要求, graduate or drop below half-time attendance (even if you plan to transfer to another school.) Exit counseling helps you underst和 your rights 和 responsibilities as a student loan borrower. 在咨询期间, you will learn useful tips 和 information to help you manage your loans such as repayment options.
- 登录 http://www.studentaid.Administration.
- 单击“登录”框. 您将需要输入您的FSA ID和密码.
- 一旦你登录，选择完成退出咨询.
如何管理学生贷款
还款方式
- 标准的还款
- 毕业后还款
- 延长还款
- 量入为出
- Income-Sensitive
- 助学
- 基于收入
- 贷款整合
- 延期
- 忍耐
- 灵活的支付
- 贷款宽恕
To learn more about repayment options 和 strategies available if you are having difficulty paying, 点击下面的.
公共服务贷款减免计划
The Department of Education created the 公共服务贷款减免计划 (PSLF) to encourage individuals to enter 和 continue to work full-time in public service jobs. The 公共服务贷款减免计划 allows eligible borrowers to cancel the remaining balance of their Direct loans after serving full-time at an eligible public service organization for at least 10 years while making 120 qualifying monthly payments after October 1, 2007.
还款计算器/估计量
The 还款计算器/估计量 can be used when you're beginning repayment of your federal student loans for the first time or exploring repayment options based on your income.
To use the 还款计算器/估计量, log into the calculator by clicking here:
优点 & 合并的缺点
Consolidation can lower the borrower's total monthly repayment 和 simply loan repayment. Because the repayment period for consolidated loans is often longer than for most Federal Direct 贷款, 每月还款额可能会更低. However, the total interest that is paid over the longer repayment period is usually greater. 如果借款人有多于一笔贷款, a consolidation loan simplifies repayment because there's only one lender 和 one monthly payment. Consolidation may be an option for a borrower in default if certain conditions are met. The borrower should also be aware that some deferments 和 other benefits available with his/her current loans (especially Perkins) may be lost through consolidation.