Federal Student Loans

学生金融服务(SFS)提供联邦直接 Subsidized and Unsubsidized loans for students, as well as Federal Direct PLUS loans for parents of undergraduate students. Federal loans are borrowed directly from the U.S. 教育部(ED)，他们必须偿还 interest. Please visit ED’s http://fsapartners.ed.gov/knowledge-center/topics/default-management 网页查看澳门新葡京博彩的学生拖欠率，并将其与其他机构或全国平均水平进行比较. 在澳门新葡京博彩借书的学生比例可以在ED的单独数据中找到 http://collegescorecard.ed.gov/school/?136516-Polk-State-College webpage.

几个具有广泛的学生贷款专业知识的个人可以回答您的借款问题. For example, SFS的执行董事是全国学生资助管理协会(NASFAA) Certified Financial Aid Administrator®. That being said, 查利斯·鲍是我们办公室的贷款联络人, 我们建议您通过联系cbowe@polk与她交谈.如果您对贷款有任何疑问，请致电(863)297-1004. Students are also encouraged to review SFS’s Financial Literacy Guidance.

Eligibility

  1. 您必须有一个完整的、无错误的(没有等待验证) FAFSA.
  2. 你必须注册至少六个学分.
  3. You must meet Satisfactory Academic Progress.
  4. 您必须正确填写并提交请求.
  5. You must complete a Master Promissory Note.
  6. You must complete Entrance Counseling.
  7. Note:
    • The loan process could take some time; therefore, we strongly suggest you apply early. When your file is complete, 联邦学生贷款将根据你的资格自动打包.
    • 第一次，第一年的借款人可能不会收到付款，直到30th 付款期开始后的第二天或上课的第一天.
    • 毕业或半学期以下的借款人也必须通过访问完成退出咨询 http://studentaid.gov/exit-counseling. 教育署的“直接贷款退出辅导指南”可在此浏览 http://studentaid.gov/sites/default/files/exit-counseling.pdf.

Private / Alternative Loans

Private / alternative student loans are not provided or subsidized by the federal government; instead, they are funded by banks, credit unions, or other types of lenders. 银行或贷款人——而不是联邦政府——设定利率, loan limits, terms, 以及私人/替代学生贷款的条件. Please review the following table and visit http://studentaid.gov/understand-aid/types/loans/federal-vs-private 有关私人/另类学生贷款的更多信息.

FederalPrivate / Alternative
在你毕业之前，你不必开始偿还联邦学生贷款, leave school, 或者将您的注册状态更改为不到半天.许多私人学生贷款要求在你还在学校的时候就还款.
利率是固定的，通常比私人贷款低，比一些信用卡利率低得多. View the current interest rates on federal student loans.私人学生贷款的利率是可变的，有的甚至超过18%. 可变利率可能会大大增加你偿还的总金额.
有经济需要的本科生可能有资格获得补贴贷款，政府在你在校期间至少支付一半的利息.Private student loans are not subsidized. 没有人会支付你贷款的利息，除了 you.
你不需要对大多数联邦学生贷款进行信用检查(PLUS贷款除外)。. 联邦学生贷款可以帮助你建立良好的信用记录.私人学生贷款可能需要建立信用记录. 私人学生贷款的费用将取决于你的信用评分和其他因素.
在大多数情况下，你不需要担保人来获得联邦学生贷款.You may need a cosigner.
Interest may be tax deductible.Interest may not be tax deductible.
Loans can be consolidated into a Direct
Consolidation Loan. Visit http://studentaid.gov/manage-loans/consolidation to learn about consolidation options.		私人学生贷款目前不能合并为直接合并贷款.
If you are having trouble repaying your loan, 你可以暂时推迟或降低你的付款.私人学生贷款可能不提供宽限或延期选择.
有几种还款计划，包括将月供与收入挂钩的选择.私人学生贷款可能不提供宽限或延期选择.
There is no prepayment penalty fee.There may be prepayment penalty fees.
如果你在公共服务部门工作，你可能有资格获得部分贷款减免.你的贷款人不太可能提供贷款减免计划.
免费帮助可通过1-800-4 fed - aid和我们的网站获得.The Consumer Financial Protection Bureau’s 如果你对你的私人学生贷款有疑问，私人学生贷款申诉专员可能会帮助你.