联邦贷款
Details on interest rates, fees, 和 options to repay your loans are available below. Select the link within each program description. 回顾我们的 Studentaid.gov导航提示[PDF] for steps to complete the most common loan requirements.
More details about federal loan programs
Federal Direct Student 贷款
Federal Direct Subsidized 贷款
These loans are offered based on 金融 need. Interest does not accrue as long as the student is enrolled at least half time.
Federal Direct Unsubsidized 贷款
Financial need is not required to receive this loan. Interest accrues once the student receives the funds.
|
学术水平 |
依赖 |
独立的 |
补贴的限制 |
|
大一新生(0-29学时) |
$5,500 |
$9,500 |
不超过3500美元 |
|
大二(30-59学时) |
$6,500 |
$10,500 |
不超过4500美元 |
|
初级/高级(60小时以上) |
$7,500 |
$12,500 |
不超过5500美元 |
|
研究生或专业 |
N/A |
$20,500 |
N/A |
|
大专文凭 |
$6,500 |
$10,500 |
不超过4500美元 |
Federal Direct Parent PLUS Loan
These loans are available to an eligible parent of a dependent student. 父母可以 apply online for the Federal Direct Parent PLUS Loan using the parent FSA ID 和 password. A parent is defined as a biological or adoptive mother or father. 父母一方的配偶.e., the student's stepparent) who has remarried is also eligible to borrow a PLUS on the student's behalf, if the stepparent is listed on the FAFSA 和 his/her income is utilized to determine a student's aid eligibility. First time parent borrowers must complete the PLUS 贷款协议(MPN). A credit check is required for the parent.
If the parent does not pass the credit check, there are three options available:
1. If the parent believes there was an error made on the credit check, the parent can work with Applicant Services (1.800.557.7394). If credit is overridden, parents must also 完整PLUS咨询.
2. The parent can obtain a credit-worthy endorser. The endorser must complete an Endorser Addendum agreeing to repay the loan in the event the parent fails to do so 和 pass the credit check. The parent must complete a 贷款协议(MPN) 和 +咨询
3. The final option if the credit check is not passed is for the parent to decline the PLUS loan 和 allow the student to borrow an additional unsubsidized loan. For students with fewer than 60 credits, an additional $4,000 may be borrowed. For students with 60 or more credits, the additional amount is $5,000 for the school year.
毕业生加分贷款
Available to graduate or professional degree students. 学生可能 apply for the 毕业生加分贷款 online using their FSA ID 和 password. Students must pass a credit check 和 complete the PLUS 贷款协议(MPN) 和 Graduate PLUS 入学咨询. If the student does not pass the credit check, there are two options available.
1. If the student believes there was an error made on the credit check, the student can work with Applicant Services (1.800.557.7394).
2. The student can obtain a credit-worthy endorser. The endorser must pass complete an Endorser Addendum agreeing to repay the loan in the event the student fails to do so 和 pass the credit check.
联邦珀金斯贷款
The 联邦珀金斯贷款 program ended on Sept. 30, 2017 with final disbursements permitted through June 30, 2018. As a result, students can no longer be awarded Perkins 贷款. A borrower who received a Perkins Loan can learn more about managing the repayment of the loan by contacting either the school that made the loan or the school’s loan servicer.
Eligibility 和 Disbursement Requirements
To receive Federal Direct Loan, you must meet the eligibility requirements below:
- 完成一个 贷款协议(MPN) 和 入学咨询 (if a first-time borrower).
- Be enrolled at least half time (6 hours for undergraduates or 5 hours for graduate students).
- Be enrolled in a degree-seeking program.
- Not be in default on a previous student loan.
- 满足 Satisfactory Academic Progress guidelines.
- Accept, decline, or reduce your loans on your 俄亥俄学生中心.
- 贷款 not disbursed prior to October 1st will be cancelled due to annual changes in origination fees. Students will need to request a new loan offer if loans are cancelled due to not completing requirements.
Students receiving a Federal Direct 贷款 who earn all grades of FN (failed, never attended) or WN (withdrew, never attended) will have their loan(s) canceled for that semester. These adjustments typically occur after the student has been paid a Federal Direct Loan(s) for the semester. The adjustment will create a university balance that, if unpaid, will be subject to the University’s collection process.