联邦直接父母加贷款

Parents may be eligible to borrow a 联邦直接父母加贷款 to help defer the education expenses for their dependent undergraduate students. 家长PLUS申请表格可于 Student援助.政府!

资格

学生必须:

• Have a valid Free Application for Federal Student 援助 (FAFSA)存档;
• Be fully admitted as a degree-seeking student at ISU;
• 就读于 至少半场 预计贷款何时发放;
• 保持令人满意的学业进展(SAP)标准;
• 做一个U.S. 公民或 符合条件的非公民;
• Not be in default on an educational loan or owe an overpayment on a federal education grant, 或者其他联邦债务, or has made satisfactory arrangements to repay that debt.

母公司借款人:

• Must be the biological or adoptive parent of the student or a step-parent whose income is reported on the student's completed FAFSA application.
• 一定是U.S. 公民或 National or Permanent Resident/Other Eliglble Non-Citizen
• Must not be in default on an educational loan or owe an overpayment on a federal education grant, 或者其他联邦债务, or has made satisfactory arrangements to repay that debt.
• 必须有信誉.
  • Regulations provide that a PLUS loan applicant has an adverse credit history if:
    • The applicant has a history of bankruptcy, foreclosure, tax lien, or a default determination; and
    • The applicant has one or more debts that are 90 or more days delinquent or that are in collection or have been charged off during the two years preceding the date of the applicant's credit report, but only if the total combined outstanding balance of those debts is greater than $2,085.
    • 因此, absent any other adverse credit history finding a PLUS Loan applicant whose credit check shows that the total of any debts that are 90 or more days delinquent or that have been placed in collection or charged off is $2,085 or less will not be considered to have adverse credit and therefore, 会有资格申请PLUS贷款.
  • If denied, students may be considered for additional Federal Direct Unsubsidized 贷款. 详情见下文.

如何申请

• Student needs to file the Free Application for Federal Student 援助 (FAFSA).
• Parents complete the electronic application available at Student援助.政府.
  为了获得最佳体验, users should visit this site in Chrome or Firefox web browsers, 不支持ie浏览器.
  • 借款人需要拥有自己的银行 FSA ID (包括父母).
  • 家长登录 Student援助.政府
  • 从Account Dashboard中选择 申请资助,然后 申请家长PLUS贷款
  • 要启动应用程序，请单击Start
  • 完成申请, 包括学生信息, 延期的选项, 信用余额期权, 等.
  • A Credit Check will be initiated at the end of the applications with immediate results. 信用检查在180天后失效.
• The loan will be submitted to the National Student Loan Data System (NSLDS), and will be accessible by guaranty agencies, 银行, and schools determined to be authorized users of the data system.
• Parent first-time borrowers must complete the 主本票 申请联邦直接父母PLUS贷款.
• 完成 年度学生贷款确认 每年(可选)
• 获得批准/拒绝. The parent (borrower) will receive notification directly from the U.S. 部门 of Education on approval/denial. Individuals denied a 联邦直接父母加贷款 have the following options:
  • The parent may be approved with an endorser (co-signer) who agrees to repay the 联邦直接父母加贷款 in the event the parent does not. The endorser may not be the student on whose behalf a parent obtains a 联邦直接父母加贷款.
  • The student may apply for an Unsubsidized Direct Loan based on the student's eligibility (up to $5000 additional). The parent must check the box on the PLUS denial application that indicates they do not want to pursue an endorser or are Undecided. Then, the student will need to complete an 额外的无补贴贷款申请表 and submit it to the Office of Student 金融援助.

量

A parent may borrow up to the student's cost of attendance minus any financial aid (for example, 奖助金, 奖学金, 勤工助学, federal student loans) the student is already receiving for the school year.  不知道该要求多少?  bc菠菜导航的办公室寻求帮助. 提醒the University must have written permission from the student before releasing information from the student's record (Proxy Access).  For more information regarding Proxy Access visit http://dunfosu.volamdolong.com/registrar/student-resources/proxyaccess.

利率及费用

The interest rate is fixed and capitalizes annually. 贷款 are subject to an origination fee upon disbursement. Current rates and fees are published quarterly here: http://studentaid.ed.gov/sa/types/loans/interest-rates.

Payment may be deferred if the student is enrolled half-time. 联系 联邦学生贷款 请求延期.

资金的发放

• Loan funds are applied to student accounts approximately ten days before the start of the semester.
• Half of the amount applied for is disbursed at the start of the fall semester and the other half at the start of the spring semester.
• Funds will first cover direct educational expenses on the student's account.
• Any excess funds are refunded to either the parent or student depending on the option the parent selected at the time of the application (excludes summer semesters). Direct Deposit is not available for parent PLUS loans.
• Borrowers have the right to cancel all or a portion of the loan with no penalty by submitting a loan cancelation form within 14 days of disbursement. 去 贷款调整 表格页面.

还款

To find out more about 还款 options before receiving a Direct Loan, borrowers may contact the 联邦学生援助信息中心 1-800-4-FED-AID (1-800-433-3243).

此外，请浏览 还款.

教程:PLUS贷款申请

• 去 Student援助.政府. 为了获得最佳体验, users should visit this site in Chrome or Firefox web browsers, 不支持ie浏览器
• 使用您的FSA ID登录.
• On the Account Dashboard, select 应用 for 援助 - then 应用 for Parent PLUS Loan
• 选择“开始”
• 完成申请
• Credit decision will be made at the end of the application.