Federal Direct 工作人员ord 贷款
美国.S. Department of 教育 offers eligible students at participating schools Direct Subsidized 贷款 and Direct Unsubsidized 贷款 to help cover the cost of higher 教育. Some people refer to these loans as 工作人员ord 贷款 or Direct 工作人员ord 贷款. Direct Subsidized 贷款 have slightly better terms to help out students with financial 需要.
Direct Subsidized 贷款
Federal Direct Subsidized 贷款 are offered to undergraduate and credential students based on demonstrated financial 需要. The interest on the loan is paid by the Department of 教育 as long as the student maintains half-time enrollment (6 units); or during the 6 months grace period*, or if the student has not exceeded his or her maximum 时间框架.
Direct Unsubsidized 贷款
Federal Direct Unsubsidized 贷款 are offered to all eligible undergraduate and graduate students, even those not demonstrating financial 需要. The Direct Unsubsidized Loan should be borrowed cautiously, since the borrower will be responsible for paying all the interest on the loan.
Interest will begin accruing after the first disbursement, even though payment is not required until six months after graduating or dropping below half-time status. Interest-only payments may be made while in school, but it is not required.
If interest is not paid while in school, the interest is capitalized (added to the original loan amount) once repayment begins.
Acceptance Deadlines
2023-24 deadlines to accept loans:
- December 8, 2023: For students attending Fall 2023 only
- April 26, 2024: For full academic year loan(s) or Spring 2024 only
还款
- 还款 begins six months after graduation or after enrollment drops below half time.
- Federal student loans cannot be discharged through bankruptcy.
Additional Information
- To retrieve loan history information, go to the Federal Student Aid 网站.
- 了解 Enrollment Requirements for disbursement of financial aid.
- Find additional information about interest rates, origination fees, annual and maximum loan amounts and more on the 贷款 页面.
