贷款项目
A loan is money you borrow 和 必须偿还 with interest under varying terms 和 conditions.
If you decide to take out a loan, make sure you underst和 who is making (i.e. offering) the loan 和 the terms 和 conditions of the loan. Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations. Federal student loans are available to most students regardless of income 和 provide a range of repayment options.
While it is important to be cautious of irresponsible borrowing, loans are considered an integral part of a student's 金融援助 package. Please carefully review the different types of loans available below 和 consider each one as a viable option for financing a college education.
联邦直接贷款
美国.S. Department of Education’s federal student loan program is called the William D. Ford Federal Direct Loan (i.e. 直接贷款计划. Under this program, the U.S. Department of Education is your lender. T在这里 are four types of Direct 贷款 available:
- Direct Subsidized 贷款 are loans offered to eligible under研究生 students who demonstrate financial need to help cover the costs of higher education at a college or career school. For eligibility, loan limits, terms 和 current rates/fees, click 在这里.
- Direct Unsubsidized 贷款 are loans offered to eligible under研究生, 研究生, 和 professional students, but eligibility is not based on financial need. For eligibility, loan limits, terms 和 current rates/fees, click 在这里.
- 直接PLUS贷款 are loans made to parents of 依赖 under研究生 students or 研究生/professional students to help pay for education expenses not covered by other financial aid. Eligibility is not based on financial need, but an application 和 credit check are required. For eligibility, loan limits, terms 和 current rates/fees, click 在这里.
- Direct Consolidation 贷款 allow you to combine all of your eligible federal student loans into a single loan with a single loan servicer.
Eligible students will be offered Direct Subsidized 和/or Direct Unsubsidized 贷款 upon completion of the FAFSA.
New Students to Concordia must:
How to Apply for a Federal Direct Parent PLUS Loan
的父母 依赖 students in the credential programs (excluding M.Ed + credential) may apply for a Direct Parent PLUS loan by following the steps below:
- Make sure your student has filed a FAFSA first.
- 完成 Direct PLUS Loan Application (Parent MUST sign in using their own FSA ID).
- 如果批准，签署a Direct PLUS Loan Master Promissory Note (或然数).
- 如果否认, you will be given detailed information on the options for qualifying by obtaining an endorser or appealing a credit decision, along with instructions on how to complete the required PLUS Counseling
For eligibility, loan limits, terms, 和 current rates/fees for the Parent PLUS loan, click 在这里.
Note: Students in the M.Ed + teacher credential program are considered 研究生 students. 研究生 students may apply for the 研究生 PLUS loan. For more information, please visit our 研究生 金融援助 页面.
Private | Alternative Loan
Private or alternative student loans are loans for under研究生 和 研究生 students from private sources, such as a bank or financial institution, generally used to supplement 联邦直接贷款.
W在这里 can I find information about the federal student loans I have received?
登入 联邦学生资助 website 和 select "My Aid" to view information about all of the federal student loans, 和 other financial aid, 您已收到. You can also get the contact information for your loan servicer 在这里.
Note: Private student loans will not be included 在这里.