有几个贷款项目是可用的. Students accepting student loans are committing 的mselves to a serious legal obligation: loans must be repaid. Repayment may take as long as 10 years after leaving college. Students are urged to consider 的ir ability to repay a loan, 他们未来的信用评级, 以及他们在接受贷款前的潜在债务. The staff of 的 财政援助办事处 is willing to discuss 的 implications of loans on a student's future financial situation.
学生贷款的种类
斯塔福德直接贷款 (DL)
斯塔福德直接贷款s are ei的r subsidized or unsubsidized. A Direct subsidized loan is awarded on 的 basis of financial need. The federal 政府ernment pays interest on 的 loan ("subsidizes" 的 loan) until 的 student begins repayment and during authorized periods of deferment.
An unsubsidized 工作人员ord Direct loan is not awarded on 的 basis of need. Students are charged interest from 的 time 的 loan is disbursed until it is paid in full. If you allow 的 interest to accumulate, it will be capitalized. The interest will be added to 的 principal amount of your loan and will increase 的 amount you have to repay. If you choose to pay 的 interest as it accumulates, you'll repay less overall.
Students may receive a subsidized 斯塔福德直接贷款 and an unsubsidized 斯塔福德直接贷款 for 的 same enrollment period.
直接贷款
直接PLUS贷款是家长可以申请的教育贷款. 如果你是父母，你有资格获得PLUS贷款, 有良好的信用记录, of a dependent undergraduate student who is enrolled at least half-time. 利率在每年的7月1日变动. 最高利率是9%. The maximum loan limit may not exceed 的 student's cost of attendance, minus any financial aid of 的 student during 的 period of enrollment. 还款在最后付款后60天内开始.
选择贷款
As part of MCCC's Default Management Program, we do not certify alternative loans.
联邦学生援助学生贷款申诉专员
Student who are in dispute about a federal student loan may contact 的 Federal Student 援助 (FSA) Ombudsman Group. The FSA Ombudsman Group is a confidential and neutral resource, dedicated to helping students resolve disputes related to 的ir student loans. 金融服务管理局学生贷款申诉专员联络资料:
在线
电话: (877) 557-2575
传真:(606)396-4821
邮件:金融服务管理局申诉专员小组
P.O. 1843箱
蒙蒂塞洛，肯塔基州42633
贷款常见问题
If you're a regular student enrolled at least half-time in an eligible program of study, 你可能会收到斯塔福德直接贷款. Students must also meet o的r general eligibility requirements.
请 点击这里 to download 的 borrowing chart for 斯塔福德直接贷款 limits.
注意: The college can refuse to certify your loan application or can certify a loan for an amount less than you would o的rwise be eligible for, if 的 school documents 的 reason for its action and explains 的 reason to you in writing. The school's decision is final and cannot be appealed to 的 U.S. 教育部.
注意: The amounts given in 的 chart are 的 maximum yearly amounts you can borrow in both subsidized and unsubsidized 斯塔福德直接贷款s. You may receive less than 的se yearly maximum amounts if you receive o的r financial aid that is used to cover a portion of your cost of attendance.
美国.S. 教育部 publishes extensive information regarding 利率及费用 与斯塔福德直接贷款有关.
- Effective July 1, 2021, 工作人员ord Direct Subsidized and Unsubsidized loans have an interest rate of 3.73%.
- 从10月1日开始, 2021 工作人员ord Direct Subsidized and Unsubsidized loan disbursements will have a 1.057% origination fee deducted from 的 principal of 的 loan.
毕业后, 离校或中途退学, 在你开始还款前你有六个月的时间. 这被称为“宽限期”."
After you leave school or drop below half-time enrollment, you'll receive information about repayment and will be notified of 的 date repayment begins. 然而, 你有责任按时开始还款, 即使你没有收到这个信息.
美国.S. 教育部 offers several payment plan options (standard, 扩展, graduated or income-driven payment plans) for students who borrowed Federal Direct 工作人员ord Loans. 你每月还款额, 的 number of monthly payments and 的 total amount you owe with interest varies depending on 的 payment plan you choose. For more information about 的se loan payment options, visit 的 U.S. 教育部 直接还款计划 页面.
To estimate your monthly payment on your student loans and review which payment plan(s) you may be eligible for, 的 还款估算工具 at 热门产品.政府 使用实时数据进行计算. 使用您的联邦FSA ID登录以访问您的数据.
The scheduled disbursement date of your loan is 的 date that MCCC is scheduled to receive your loan funds.
- If this is your first time borrowing a student loan at any college and your grade level is a first-year undergraduate at MCCC, your funds will not be disbursed any earlier than thirty days after 的 start of 的 semester.
- One semester loans: If you are taking out a loan for only one semester, 你的贷款将分成两部分支付, with 50% of your funds being disbursed at 的 mid-point of 的 semester.
To start 的 Federal Direct 工作人员ord Loan application process, login to WebPal. 下 金融援助 标题，点击 经济援助清单 link.
步骤1 -接受贷款
Select 的 Award Year for which you are requesting to borrow loans. 下 检查表 标题，点击链接到 审查并接受你的经济援助计划. You will 的n accept 的 entire loan amount or change and accept a reduced amount. 注意: If you qualify for both subsidized and unsubsidized loans, 你必须先接受补贴贷款.
*To complete a Summer 2019 MCCC Loan Request Form, please see 的 财政援助办事处.
2 . - 完成入学辅导
Entrance Counseling must be completed if this is your first-time borrowing a 工作人员ord loan. 您将需要您的FSA ID来完成此步骤.
3 . - 完成一张主本票(MPN)
A MPN must be completed if you have not borrowed a 斯塔福德直接贷款 in 的 past 10 years at any college. 您将需要您的FSA ID来完成此步骤.