直接学生贷款
加拿大广播公司参与了威廉·D. 福特联邦直接贷款计划提供给学生 贷款.
Some of the benefits of subsidized and unsubsidized Direct 贷款s are:
- 更低的固定利率
- 不需要信用检查
Direct 贷款s are subject to origination fees, which offset administrative costs. 贷款 origination fees will be deducted from your loan proceeds prior to disbursement and 你有责任偿还所有费用. 贷款金额的确定基于 on your cost of attendance and other financial aid you have been awarded.
What's the difference between a subsidized and unsubsidized direct loan?
直接补贴贷款是根据经济需要发放的. 这些贷款暂时免息
you are attending school at least half-time and during the grace period.
Direct Unsubsidized 贷款s are not based on financial need and will accrue interest 当你上学的时候. 从长远来看，你可以通过制定你的计划来省钱 上大学时支付的利息.
直接学生贷款常见问题解答
学历等级/贷款类型 |
最高贷款金额 |
|
| 一年级本科生 | 依赖学生 | 独立的学生 |
| Base Direct 贷款 eligibility (Subsidized and Unsubsidized | $3,500 | $3,500 |
| 额外的无补贴直接贷款资格 | $2,000 | $6,000 |
| 第一年最高总额 | $5,500 | $9,500 |
| 二年级本科生 | ||
| Base Direct 贷款 eligibility (Subsidized and Unsubsidized) | $4,500 | $4,500 |
| 额外的无补贴直接贷款资格 | $2,000 | $6,000 |
| 第二年最高总额 | $6,500 | $10,500 |
| 合计(总数)本科生 | $31,000 (no more than $23,000 of which may be subsidized) | $57,500 (no more than $23,000 of which may be subsidized) |
应用科学学士(BAS)
Totals listed below are only for students accepted into a Bachelor in Applied Science
(BAS)项目.
| 依赖学生 | 独立的学生 |
|
| Base Direct 贷款 eligibility (Subsidized and Unsubsidized) | $5,500 | $5,500 |
| 额外的无补贴直接贷款资格 | $2,000 | $7,000 |
| 最高年度总金额 | $7,500 | $12,500 |
| 合计(总数)本科生 | $31,000 (no more than $23,000 of which may be subsidized) | $57,500 (no more than $23,000 of which may be subsidized) |
请留出30至45天的时间来处理您的贷款. 完成以下所有内容 步骤:
- 提交你的 免费申请联邦学生援助(FAFSA) as soon after October 1 as possible for the upcoming school year. 我们会派人 email to the email address you provided on your FAFSA which will contain all your 额外的步骤. You can also access your Student Service Center for additional information. After notification that you have been offered grants or that you do not qualify for 格兰特，继续下一步.
- Verify you are enrolled in an eligible degree program and in at least six degree-required 你申请贷款的每个季度的信用.
- 如果您是首次借款者，请填写 入学咨询 在申请贷款之前. 入学咨询会帮助你理解 your rights and responsibilities as a borrower so you can properly manage your future 财务承诺.
- 完成你的 主本票(MPN) If you are a first-time borrower, or your MPN has or will expire soon,
- 完成、打印并提交 2023-2024年联邦直接贷款申请表 (2023年秋季- 2024年夏季). *A maximum of two loan requests will be accepted per academic year.
- You will receive a 金融援助 Notification email with the maximum amount you are eligible to receive or the maximum amount of your request, whichever is lower.
- 您的贷款资金将通过 BankMobile支付，一个技术解决方案，由BMTX公司提供支持.
联邦法规要求你填写一份 出口咨询 session upon termination at 加拿大广播公司, whether you graduate or withdraw. 本节课将 give you important information about repaying your 直接学生贷款.
是的! We’ve teamed up with Solutions at ECMC to answer all of your student loan repayment 问题. Solutions is a service of the non-profit organization ECMC and is dedicated 帮助你管理教育贷款. 他们的资源可以免费提供给你 电荷. To 联系 a Solutions Student 贷款 还款 Advisor, visit the ECMC网页 电子邮件或网络聊天，或致电877-331-3262.
When you begin student loan repayment it is important to make your payments on time. Your student 贷款 become delinquent if you miss a required payment. 犯罪是 reported to the credit bureaus and will hurt your credit rating.
Solutions at ECMC, a non-profit that partners with 加拿大广播公司, can help you navigate the student loan repayment process and help you avoid delinquency and default by taking 你可以选择的优势. 他们的服务对你是免费的 加拿大广播公司的学生. 参观 ECMC网页 电子邮件或网络聊天，或致电877-331-3262.
If your 贷款 are delinquent for 270 or more days, you will enter student loan default. Defaulting on your 贷款 is very serious and can result in:
- 失去获得未来经济援助的资格
- 损害你的信用记录
- Garnishment of working wages and/or seizure of benefits or tax refunds
- 丧失从事某些工作的资格
Solutions at ECMC, a non-profit that partners with 加拿大广播公司, can help you navigate the student loan repayment process and help you avoid delinquency and default by taking 你可以选择的优势. 他们的服务对你是免费的 加拿大广播公司的学生. 参观 ECMC网页 电子邮件或网络聊天，或致电877-331-3262.
美国.S. Department of 教育 measures the ratio of students from a college who enter student loan repayment each year and who later default on those 贷款. 这一比率 of students who default within three years of entering repayment is what determines 大学的违约率.
These are the student loan cohort default rates for 加拿大广播公司 for the most recent cohort 美国计算的年数.S. 教育部:
家长PLUS贷款
Parents of dependent undergraduate students can 申请家长PLUS贷款 also 通过威廉·D. 福特联邦直接贷款计划. 贷款不是 基于经济需要，但信用检查是必需的. 父母可以 申请家长PLUS贷款 by completing the Direct PLUS 贷款 Application and Direct PLUS 贷款 Master Promissory 请注意. The Parent PLUS 贷款 amount is determined based on the cost of attendance and 获得的其他经济资助. 家长PLUS贷款将在30至45天后处理 notification that you have been offered grants or that you do not qualify for grants.
还款
When you graduate, leave school or drop to less than half-time status, you will have 还款开始前有六个月的宽限期. 一旦你的宽限期结束，你 必须开始偿还贷款. 了解你的 还款方式. You may repay all or part of your loan at any time without penalty and will save 通过提前还清贷款来赚钱.
私人教育贷款
You can apply for private education or alternative 贷款 directly from your lender
选择的. These types of 贷款 are not based on need and each lender determines the
合格标准. Private education 贷款 may be an option for you to pay for
college expenses not covered by federal or other financial aid. 贷款金额由
based on your cost of attendance and other financial aid you have been awarded. 加拿大广播公司
does not recommend a particular lender(s), but we can provide 问题 for you to
在研究潜在贷款人时要考虑:
- 是否有最低入学要求?
- 是否有令人满意的学业进度要求?
- What is your lowest interest rate and fee combination and how can I get it?
- Is the rate only for a limited period, or is it for the life of the loan?
- 浮动利率的上限是多少?
- How often is the interest rate adjusted, and how is it determined?
- 固定利率贷款的利率是多少?
- 我要多长时间偿还贷款?
- 提前还款有罚金吗?
- Are your discounts guaranteed or are they subject to change later?
Student 贷款 Code of Conduct Objective and Responsibilities
In compliance with federal regulations, 加拿大广播公司's Code of Conduct for educational 贷款 禁止以下行为:
- 与任何贷方的收入分成安排
- Receiving gifts from 一个银行, a guarantor or a loan servicer
- Contracting arrangement providing financial benefit from any lender or affiliate of 一个银行
- Directing borrowers to particular lenders, or refusing or delaying loan certifications
- 为私人贷款提供资金
- 呼叫中心或财务援助办公室人员协助
- 顾问委员会薪酬
