应用 for a Direct 研究生 加上贷款
To apply for a Direct 研究生 PLUS loan online go to StudentAid.政府.
You will need a FSA ID to log in. You can use the same FSA ID you used to sign your FAFSA. If you don't have an FSA ID, apply for one online at StudentAid.政府.
Once you are logged in, you will complete the Direct 研究生 PLUS loan promissory note and credit check. 沃拉沃拉大学 will be notified of the results and process the loan for your student account.
Funds are applied to your student account one third per quarter. You will be notified by email when the funds have posted to your account.
If you are interested in deferment while you are in school you can find information on the 联邦学生资助 网站.
Direct 研究生 加上贷款 Information
这笔贷款, from the federal 政府ernment, is one of the most common ways to pay for expenses not covered by your standard financial aid award.
Cover the Total Cost of Education
The Direct 研究生 加上贷款 can be used to cover up to 100% of your total cost of education, minus other financial aid you’ve been awarded. The total amount can pay for tuition, books, food, housing, transportation, and more.
By choosing a Direct 研究生 加上贷款 you get:
- A fixed interest rate of 8.05% (for disbursed loans on or after July 1, 2023 and before July 1, 2024. There is also a loan fee that is a percentage of the loan amount and is proportionately deducted from each loan disbursement of 4.228% (Disbursements made on or after October 1, 2023 and before October 1, 2024).
- Option to defer payments while enrolled at least half-time
- Fast access to funds, most students can apply online
- No collateral requirements or income limitations
- Flexible repayment options
如何获得资格
Though eligibility for this loan is not based on household income, assets or financial need, 这是确定的, 在某种程度上, by your personal credit history. However, many students with limited or no credit history can qualify for this loan.
With the Direct 研究生 加上贷款, students have more options than ever. When comparing PLUS to comparable private loans, here are some key differences to consider:
资格 – If you have limited or no credit history, it may be difficult to qualify for a private loan. With the Direct 研究生 加上贷款, no credit history (or limited positive credit history) is normally acceptable.
利率 – Although the interest rates for many private loans are currently lower than the new PLUS program, those rates are not fixed. The Prime Rate and LIBOR – on which private loan interest rates are normally based – can fluctuate dramatically over the life of the loan. 联邦贷款, 另一方面, come with fixed rates that make it easier for students to plan for repayment.
费用 – With the Direct 研究生 PLUS program, students pay a percentage of the loan amount and it is proportionately deducted from each loan disbursement in the amount of 4.228% (disbursements made on or after October 1, 2021 and before October 1, 2022). 私人贷款, these fees may be lower (or much higher) depending on the borrower’s credit history and income.