Federal Loans
联邦贷款给你或你的父母可以资助你在萨斯奎哈纳的教育.
Step 1: Complete your entrance counseling online
首次借款人必须在申请联邦直接贷款之前完成入学咨询. Parents should not complete the session on behalf of their students, 因为这是一项联邦要求,旨在帮助每个学生理解他/她的权利和责任.
- Visit studentaid.gov
- Click the “Manage Loans” tab.
- Click on “Complete Entrance Counseling” Under the “I’m Starting School or In School” section.
- Log in with your FSA ID and Password
- Your results will be sent to Susquehanna electronically.
Note: If you previously borrowed under our Federal Stafford Loan process, you do not need to complete entrance counseling again. However, if you would like a refresher, 所有学生都可以完成上述申请联邦直接贷款的程序.
Step 2: Complete your Master Promissory Note (MPN) online
Borrowers must complete an MPN at studentaid.gov
- Under the “Complete Aid Process” tab select “Complete Master Promissory Note”
- Select “Log In To Start” in the “I’m an Undergraduate Student” section
- Once completed, Susquehanna University will be automatically notified.
These are awarded based upon demonstrated financial need. 如果您至少注册了一半时间或有资格延期,则不收取利息. 联邦政府在这段时间“补贴”(或支付)利息. Repayment begins six months after you graduate, leave college entirely or are no longer enrolled at least half-time. The interest rate on this type of loan is 5.2023年7月1日或之后、2024年7月1日之前首次发放的贷款,50%.e., for the 2023-2024 academic year.
所有学生都可以获得这些奖学金,因为它们不是基于经济需要. The interest rate is also 5.2023年7月1日或之后、2024年7月1日之前首次发放的贷款,50%.e., for the 2023-2024 academic year. 利息从贷款发放之日起计算,直至全部偿还为止. 在您不再注册至少一半时间后六个月才有付款到期. However, 我们强烈建议你在大学期间支付利息,否则贷款产生的利息将被资本化.
You may borrow annually through the Federal Direct Loan program.
如果你在每学年借到全额直接贷款, your cumulative borrowing will total $27,000, as outlined below:
- First year: $5,500 (up to $3,500 may be Subsidized)
- Sophomore: $6,500 (up to $4,500 may be Subsidized)
- Junior: $7,500 (up to $5,500 may be Subsidized)
- Senior: $7,500 (up to $7,500 may be Subsidized)
联邦本科生直接父母贷款(PLUS贷款)是希望使用低息贷款支付大学费用的家庭的热门选择.
It can be used to supplement your student’s aid awards, or it can be used to cover the full cost of education.
- Parents must be creditworthy, but there are no income requirements.
- No collateral or cosigners are required.
- Completion of the FAFSA is required before applying.
- 贷款在最后支付后60天内偿还,分期偿还10年.
- 只要学生至少注册了一半时间,就可以根据要求推迟还款.
- The PLUS loan interest rate is fixed at 8.05% and has a 4.228% loan origination fee.
- Estimate your PLUS Loan costs with the Federal Loan Simulator.
Federal Parent PLUS Loan Application Instructions
A parent can apply for a Federal Direct Parent PLUS Loan by visiting studentaid.gov.
- On the main, select “Apply For Aid”
- Under “Applying for a PLUS Loan” select “Apply for a Parent PLUS Loan”
- 使用您的FSA ID和密码登录,开始申请家长PLUS贷款.
- The PLUS process will ask for information about the parent, allow a parent to indicate a loan amount and initiate a credit check.
- The individual parent applying for the loan will also complete a Master Promissory Note (MPN) online at studentaid.gov. The MPN can be
- completed as soon as the credit is approved.
- 直到Susquehanna将初始申请和主本票存档后,请求才算完成. Unlike the Federal Direct
- Subsidized and Unsubsidized Student Loans, 直系父母PLUS贷款申请和信用审查必须每年为每笔贷款完成.
当你完成了家长PLUS贷款的申请并被拒绝后, you will be presented with the following four options:
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I do not wish to pursue a PLUS loan at this time
- If you choose this option, PLUS贷款将不予处理,学生将获得额外的无补贴贷款资金.
- If you do NOT wish to receive the additional unsubsidized loan, please contact Student Financial Services
-
I will obtain an endorser *
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选择此选项,如果您想添加共同签名者到您的家长PLUS申请. 我们将在收到背书人批准通知后处理您的申请.
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选择此选项,如果您想添加共同签名者到您的家长PLUS申请. 我们将在收到背书人批准通知后处理您的申请.
-
I want to appeal the credit decision *
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如果您认为信用检查不准确,或者您可以提供有关减轻情况的最新信息,请选择此选项.
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如果您认为信用检查不准确,或者您可以提供有关减轻情况的最新信息,请选择此选项.
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Undecided **
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如果你选择这个选项,学生将获得额外的无补贴贷款资金.
- Up to an additional $4000 per academic year for first-year & second-year students.
- Up to an additional $5000 per academic year for third-year & fourth-year students.
- If you do NOT wish to receive the additional unsubsidized loan, please contact Student Financial Services
-
如果你选择这个选项,学生将获得额外的无补贴贷款资金.
*If you are obtaining an endorser or appealing your credit decision, 你的PLUS贷款将被视为拒绝,直到学校收到你的背书/上诉贷款被批准的证明. 这意味着学生可能会获得额外的无补贴贷款资金,直到学校通知你更新的信贷决定. Once the school is notified, 由于最初的拒绝而发放的任何额外的无补贴贷款将被退还,而PLUS贷款将被发放.
**If at any time you want to change the option that you chose, 请致电800-557-7394与教育部贷款支持中心联系.
美国国会最近通过了一项法律,防止进一步延长 与联邦COVID-19紧急情况相关的联邦学生贷款偿还暂停. Federal student loans will begin accruing interest on September 1, 2023, and payments will be due starting in October 2023. 联邦政府将在重新开始支付之前通知联邦学生借款人,但在此期间,这里有一些有用的信息可以帮助您为恢复支付做好准备.
1. Update your contact information in your profile on your loan servicer’s website and in your StudentAid.gov profile.
- Your “loan servicer” is the company that collects payments, responds to customer service inquiries, 并执行与维持联邦学生贷款有关的其他行政任务. 如果你不确定你的联邦学生贷款服务机构是谁,你可以在 “My Federal Student Aid.”
- Here is a list of the current federal student aid loan servicers:
Loan Servicer | Website |
Great Lakes Educational Loan Services, Inc. | mygreatlakes.org |
Edfinancial | edfinancial.com |
MOHELA | mohela.com |
Aidvantage | aidvantage.com |
Nelnet | nelnet.com |
OSLA Servicing | public.osla.org |
ECSI | ecsi.net |
Default Resolution Group / Maximus Federal Services, Inc. | myeddebt.ed.gov |
2. 联系您的贷款服务(通过电子邮件或电话),以获得您的付款金额和到期日的估计.
3. 检查您的自动借记登记与您的贷款服务或首次注册. You must directly contact your loan servicer’s website to do this.
4. Check out the Office of Federal Student Aid’s Loan Simulator 找到一个符合你需要和目标的还款计划,或者决定是否合并.
- Your situation may have changed during the COVID-19 emergency. 现在是考虑你的还款计划是否最适合你的好时机.
5. Consider applying for an income-driven repayment (IDR) plan. 根据你的收入和家庭规模,IDR计划可以让你的付款更负担得起.
6. 谨防与联邦助学贷款重启有关的骗局. 不要接受意想不到的经济援助或帮助(如“流行病补助金”或“拜登贷款豁免”)。. Click here for more information on how to avoid scams.
7. As a last resort, 联系你的贷款服务机构,通过贷款延期或延期要求短期救济. If you can’t find a repayment plan that works for you right now, 你可透过短期纾缓措施,要求暂停或减少付款(deferment or forbearance).
- 请记住,正常的延期或延期付款与COVID-19紧急暂停付款不同. Interest can still accrue (add up) during deferment or forbearance. Deferment and forbearance also affect loan forgiveness options, such as Public Service Loan Forgiveness or IDR plan forgiveness.
8. Understand what happens if you miss a federal student loan repayment.
- If you miss a payment, your loan becomes delinquent. If your loan is delinquent for 90 days or more, 您的贷款服务机构将向三大国家征信机构报告您的违约情况. 拖欠贷款会影响你的信用评分,使你更难获得贷款. After 270 days, your delinquent loan goes into default.
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When you default on a loan, here’s what happens:
- You can lose your access to more student aid.
- The default status will damage your credit score.
- The government can take your tax refund, part of your Social Security benefits, or up to 15% of your paycheck to pay off your defaulted loan.