贷款

贷款资金必须偿还，通常在毕业后偿还. While some students are intimidated by the idea of student loans, they are actually a great tool to help finance your education. Most Ursuline students report that their loan was worth it, and find that their payments are manageable after graduation.

所有完成FAFSA并符合联邦资格的乌尔苏拉学院学生将根据其学年的年级水平获得联邦直接贷款. The Subsidized Direct Loan and Unsubsidized Direct Loan are offered to most borrowers. Students may choose to accept all or part of the loan amount offered, or may decline the loan without any affect on the other aid offered.

• 补贴直接贷款颁发给有经济需要的本科生，以帮助支付你在乌尔苏拉学院的教育费用. The Subsidized Direct Loan does not accrue interest while the student is in school, 直到学生毕业或退学6个月后才开始产生利息. Interest rates for Unsubsidized Direct 贷款 are the same as the Subsidized Loan program.
• 无补贴直接贷款授予本科生, 研究生, 而专业学生无论经济需要如何. 无补贴直接贷款会产生利息，除非你选择在校期间支付利息，否则利息将被资本化.
• 现时本科生有资助及无资助直接贷款的利率均为5%.50%
• 目前研究生的无补贴贷款利率与本科生不同，研究生的无补贴贷款利率为7%.05%.

看看这些描述联邦学生援助免费申请(FAFSA)填写过程的视频。.

额外贷款要求

• 主本票(MPN)是一种法律文件，你承诺偿还你的贷款和任何应计利息和费用给美国.S. 教育部. It also explains the terms and conditions of your loan(s); for instance, 它将包括如何计算利息的信息, 何时收取利息, 可用的还款计划, 以及延期和取消条款. The MPN must be signed and on file in order for you to receive the loan funds. 如果你是以前的借款人，并有有效的MPN文件，你不需要再次签署.

• 所有在乌尔苏拉学院(本科生和研究生)的首次借款人都需要贷款入学咨询。. 这个咨询会议提供的信息，以帮助您了解您的联邦贷款的责任，以及提供有用的提示和工具，以帮助您制定预算管理您的教育费用. 您可以在此完成贷款入学咨询 www.studentaid.政府 – you should allow approximately 30 minutes for this session.

• You will need your FSA ID Username and Password to login to www.studentaid.政府 完成MPN和入学咨询.

• Students must be enrolled at least half-time (6 credit hours under研究生; and 3 credit hours 研究生) and meet all other compliance requirements in order for the loan funds to be disbursed to the student’s account.

• 贷款退出咨询是一项联邦要求，也是所有学生贷款借款人的强制性程序. Exit Counseling is required for all students who have completed their degree, 选择不回乌尔苏拉学院吗, or are attending less than half-time (less than 6 credit hours under研究生). The exit counseling session includes information about repayment options, 延期, and your rights and responsibilities for your student loan. You should allow 25-30 minutes to complete the Exit Counseling process. 要完成咨询，请访问 www.studentaid.政府. You will need to login with your FSA ID Username and Password. Ursuline College does offer in-person Exit Counseling for graduating seniors each year in April. 一名财务援助代表将会审查所有退出咨询所需的信息，并回答你可能遇到的任何问题. You can choose this option instead of the on-line counseling if you wish. 有关每年课程的日期和时间的信息将与您的毕业信息一起发送给您.

贷款限制

每学年你可能有资格获得的资助贷款和非资助贷款有限额(年度贷款限额)，你可以为本科和研究生学习借入的总金额(总贷款限额)。.

The aggregate loan limits for under研究生 study are as follows:

• Dependent students - $31,000, no more than $23,000 of this amount may be in subsidized loans.
• Independent students - $57,500, no more than $23000 of this amount may be in subsidized loans.

The aggregate loan limits for 研究生 or professional students:

• 138,500美元，毕业生总限额包括所有本科学习的联邦贷款.

家长PLUS贷款是一项联邦贷款，供受抚养本科生的父母用于教育费用. It is a non-need based loan with a current variable interest rate of 8.2023年7月1日以后发放的贷款为05%. Interest accrues on this loan while the student is in school; however, 家长可以选择延迟付款，只要学生仍然注册至少一半时间(6学分)。.

There are two steps that a parent needs to complete on line at http://studentaid.政府 才能获得联邦直接PLUS贷款:

• 完成PLUS贷款申请.
• 填写主本票(MPN).

上面列出的两个步骤都要求家长用他或她的FSA ID用户名和密码(不是学生的)登录。.

The PLUS Loan Application will determine if you are eligible to borrow for this program. 一旦提交，将进行信用检查，结果将发送给家长和学校. The second step is completing the Master Promissory Note (MPN). MPN是一份法律文件，家长承诺向本署偿还其贷款及任何应计利息和费用. 它还解释了贷款的条款和条件。. If a parent is borrowing a Direct PLUS Loan for more than one student, the parent will need to complete a separate MPN for each loan.

您将收到一份披露声明，其中提供了学校计划根据您的MPN支付的任何贷款的具体信息, 包括贷款金额和贷款费用, 以及预期的贷款发放日期和金额.

贷款限额、利率及贷款收费

直接PLUS贷款没有设定限额, 但是你的贷款不能超过你孩子的教育费用减去任何其他的经济援助, 例如直接补贴贷款或无补贴贷款. The school will determine the actual amount you may borrow. The current interest rate for Direct PLUS 贷款 is a variable rate of 8.05%. Interest is charged on Direct PLUS 贷款 during all periods, 从您的贷款的第一次支付的日期开始. To find out more information on interest rates for Direct PLUS 贷款, 联系直接贷款服务中心. 除了利息, 你支付的贷款发起费是你收到的每笔直接加贷款本金的一定百分比. This fee helps reduce the 成本 of making these low-interest loans. The origination fee is deducted when the loan is disbursed, so the loan amount you actually receive will be less than the amount you have to repay.

使用PLUS贷款支付教育费用

你可以用你收到的贷款只支付你的孩子在给你贷款的学校的教育费用. 教育费用包括学费等学校费用, 食宿, 费用, 以及书费等间接费用, 供应, 设备, 受抚养儿童保育费用, 运输, 租赁或购买个人电脑.

基于父母PLUS拒绝的额外无补贴

父母申请PLUS贷款但被拒绝的受抚养学生有资格获得额外的直接无补贴贷款资金. 符合条件的学生最多可获得4美元,000 unsubsidized for freshmen and sophomore years and up to $5,3年级和4年级的学费是1000美元. 如果家长被拒绝PLUS贷款，学生应该联系财政援助办公室了解更多信息.

研究生PLUS贷款是一项联邦学生贷款，专为达到联邦直接补贴贷款和无补贴贷款年度最高限额的研究生而设计.  Interest for 研究生 PLUS 贷款 first disbursed after July 1, 2023 will be 8.05%.

To be eligible to receive a Grad PLUS loan the borrower must:

• File the current year Free Application for Federal Student 援助 (FAFSA)
• Exhaust all eligibility for Federal Direct Unsubsidized loans
  • 20500美元/年
  • 138,500美元的寿命限制

• Pass a credit check performed by the 教育部.
• Have a signed Grad PLUS MPN on file with the 教育部 at http://studentaid.政府.
• Must complete Entrance Loan Counseling sessions for 研究生 PLUS loans at http://studentaid.政府.
• Be registered at least half-time (3 credit hours) during the loan period.
• Not be in default or have an overpayment on any Federal Title IV financial aid program.

Private loans are funds from private lenders to help cover educational 成本s. There are private loans available for students or for parents. 当联邦和/或州财政援助不足以支付学生的入学费用时，学生可能会考虑私人贷款.

Each private loan lender has specific criteria you must meet to qualify for a loan. Some loans may be for specific majors only and/or require a co-signer. 大多数贷款人会审查申请人的信用记录. 除了, 乌尔苏拉学院可能会被要求证明你正在取得令人满意的学业进步，并且你没有超过你的出勤成本.

您的估计出勤成本(COA)是您在乌尔苏拉学院学习一学年所需费用的标准化估计. 每学年必须重新申请私人贷款.

Your estimated COA is comprised of the following components:

• 学费和杂费
• 食宿
• 书
• 运输
• 个人杂项开支

Your financial aid package (including private loans) cannot exceed your estimated COA. 看到 学费和费用 具体金额页面.

为您选择合适的私人贷款

在选择贷款人时要考虑很多事情. 一定要问以下问题

• 贷款申请(处理)费用是多少?
• 利率是多少? 通常, the interest rate on private loans is higher than Federal Subsidized and Unsubsidized 贷款.
• 我什么时候开始偿还贷款? The repayment period for private loans varies among loan programs.
• 我必须达到令人满意的学业进度吗? The Satisfactory Academic Progress Standards requirement varies among loan programs.

许多贷款人提供私人贷款. While Ursuline College does not endorse any specific private loan lender, 我们的电子贷款机构名单包括与我们合作非常密切的贷款机构，他们的贷款项目最符合我们学生的需求. We encourage you to research various lenders and select the one that best fits your needs.

To review and compare some private loan products and begin the application process, 请访问五大湖快速选择网页. 要开始这个过程，请点击下面的按钮.

比较私人贷款