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A loan is money that must be repaid, even if you do not complete your program of study.  通过完成 FAFSA, a student is automatically applying for consideration for federal loans. There are two federally funded Federal Direct loan programs.  The amount that the student is able to borrow each year is determined by their status as independent or dependent and their number of credit hours accrued in school. 

提示:  The key to applying for financial aid is timing and having financial need.  It is critical to complete your FAFSA as early as possible before the fall semester you will attend.  Keep in mind it does take a few weeks to process your financial aid application.

补贴贷款

The Federal Direct subsidized loan program is based on financial need and the borrower does not pay interest while enrolled at least half-time. 

未受资助的贷款

The Federal Direct unsubsidized loan program is not need based, but the borrower will accrue interest while he or she continues to be enrolled at least half-time.  The interest will begin to accrue with the initial disbursement.  你可以在上学期间支付利息, 在宽限期和延期/容忍期间, 或者你可以让它累积起来. 

补贴和非补贴贷款利率

联邦直接贷款利率每年都在变化.  当前汇率可在 studentaid.政府 (请确保向下滚动页面以查看费率).

本科生家长贷款(PLUS)

The Parent PLUS Loan is a loan offered by the Federal 教育部, and taken by the parent that may be used to assist families with educational expenses. The Parent PLUS Loan has specific conditions that the student and parent must meet, and specific steps the parent must follow in order to obtain the loan.

  • Students must be enrolled in at least 6 credit hours to be eligible for the loan.
  • The PLUS loan allows parents to borrow up to the total cost of attendance, 减去收到的任何其他援助.
  • PLUS贷款是基于信用的.
  • A stepparent is eligible to apply for a PLUS Loan only if their information was provided on the FAFSA.
  • Loan origination 费用 will be subtracted from the loan disbursements.
  • Parent Borrower repayment of the PLUS Loan begins within 60 days after the final disbursement unless a deferment is requested.

更多信息请参考我们的 家长信息页面.

FSA ID

The FSA ID gives you access to 联邦学生资助’s online systems such as the FAFSA and loan information.  这也可以作为你的法定签名.  FSA ID取代了过去使用的PIN.  你可以 在线申请FSA ID. Once this has been established, you do not need to apply for one each year.  It is very important to keep your user name and password, as you will need these in future years.

贷款协议(主本票)

The Master Promissory Note (MPN) is a legal document in which you promise to repay your loan(s) and any accrued interest and 费用 to the U.S. 教育部.  It also explains the terms and conditions of your loan(s); for instance, 它将包括如何计算利息的信息, 何时收取利息, 可用的还款计划, 以及延期和取消条款.

It is important to understand that when you sign an MPN you’re promising to repay all loans that are made under that MPN.  如MPN所述, you must repay your loan even if you do not complete your education or you unable to find a job after you leave school.

之前, 或者在…的时候, the first disbursement (payment to you or on your behalf) of your loan(s), you’ll receive a disclosure statement that gives you information about any loan that the school plans to disburse under your MPN, 包括贷款金额, 费用, 预计付款日期和金额.

请注意, that we do not load this information into our system until the end of July prior to the start of the academic year.  如果你已经完成了贷款协议, but continue to see the red flag in the student's MAVzone after August 1, 请与我们联络.

贷款咨询

Each student that accepts a subsidized or unsubsidized loan must complete 贷款咨询.  这可以在 联邦学生资助 使用你的FSA ID.  This will only need to be completed one time by the student.

请注意, that we do not load this information into our system until the end of July prior to the start of the academic year.  如果你已经完成了贷款协议, but continue to see the red flag in the student's MAVzone after August 1, 请与我们联络.

联邦贷款历史

A student is able to access their federal loan history by logging into 国家学生贷款数据系统 (nsld)使用他们的FSA ID.

私人另类贷款

Alternative (sometimes called Private) student/ parent loans are available; through private lenders for students who are not eligible for federal loans, international students or students who need assistance beyond their annual federal financial aid borrowing limits. These loans are made through banks and private lenders and are subject to their terms. 

 Alternative student loans should only be considered after first completing the 免费申请联邦学生援助(FAFSA) or 科罗拉多学生资助申请(CASFA).

 If you are currently ineligible for federal student aid due to not meeting satisfactory academic progress we 鼓励 您必须先完成 经济援助不合格申诉. If your appeal is approved your federal student aid would be re-instated.

另类贷款常见问题