助学金及贷款

Grants

KOK体育app官方下载软件官方手机版app下载努力为每个学生提供可用的经济援助资源. 联邦补助金可以通过FAFSA申请. Students will need to meet certain requirements to be eligible for the grants.

联邦佩尔助学金

最以需求为基础的学生援助项目, this program provides grant aid to low- and middle-income undergraduate students. 奖学金根据学生及其家庭的学费和经济状况而有所不同. 佩尔助学金不需要偿还. 根据最近颁布的《KOK体育app官方下载软件官方手机版app下载》对第四章学生援助计划的修改, 本科生只能获得最多12个学期的联邦佩尔助学金(或同等学历)。.

联邦补充教育机会补助金 (FSEOG)

参与学校向有特殊经济需要的本科生颁发FSEOG奖学金, 根据资金的可用性. FSEOG awards for Delta State University usually range from $100 – $600 per year. FSEOG不需要偿还.

Loans

Several loan programs are available to fund college educations. Most have a low interest rate, and pay back is not required until graduation. 每个项目的资格各不相同.

联邦直接贷款

联邦直接贷款

联邦直接贷款有两种类型:

资助斯塔福德贷款

  • 浮动利率高达8.25%
  • 非全日制或全日制学生
  • 只要学生每学期连续注册6个或以上学分，贷款就不产生利息

联邦直接无补贴贷款

  • 浮动利率高达8.25%
  • 无论家庭收入如何，资格都得到保证
  • interest begins accumulating immediately, while enrolled
  • 有几种还款方式可供选择

Apply!

  1. 学生必须填写FAFSA申请表格(studentaid.gov) for each school to determine eligibility for direct loans. 贷款必须偿还.
  2. 所有获得学生贷款的学生都必须访问 studentaid.gov to complete a new 主本票 and new Loan 入学咨询.  Loan funds cannot be paid to a student until this occurs.

直接学生贷款的最高限额

直接学生贷款的最高限额

Many students do not qualify for the maximum loan amount. The maximum is the most a student might be able to borrow. Many students are eligible for an amount less than the maximum.

依赖的本科生

Classification Subsidized 总(补贴 & Unsubsidized)
Freshman $3,500 $5,500
Sophomore $4,500 $6,500
Junior, Senior $5,500 $7,500

 独立的大学生

Classification Subsidized 总(补贴 & Unsubsidized)
Freshman $3,500 $9,500
Sophomore $4,500 $10,500
Junior, Senior $5,500 $12,500

联邦家长贷款

联邦家长贷款

具有良好信用记录的父母可能有资格获得贷款，以支付每个孩子的教育费用，这些孩子是至少兼职入学的受抚养本科生.

Apply!

For the Fall 2023, Spring 2024, or Summer 2024, complete the 2023-2024 application.

Sign in at studentaid.gov 为PLUS贷款背书.

Approved?

PLUS贷款申请将由三角洲州认证并转发给教育部. Loan funds will be sent to Delta State at the beginning of the semester.

如果获得PLUS贷款，家长需要填写PLUS主本票 studentaid.gov.

Not Approved?

财政援助顾问将决定你是否有资格获得其他财政援助资金.

联邦毕业生PLUS贷款

联邦毕业生附加贷款

具有良好信用记录的研究生可能有资格获得贷款，以支付他们的教育费用，如果注册至少兼职.

Apply!

For the Fall 2023, Spring 2024, or Summer 2024, complete the 2023-2024 application.

Sign in at studentaid.gov 申请PLUS贷款.

Approved?

PLUS贷款申请将由三角洲州认证并转发给教育部. Loan funds will be sent to Delta State at the beginning of the semester.

如果获得PLUS贷款批准, graduate students will need to complete a PLUS 主本票 at studentaid.gov.

Not Approved?

如未获批准, 如果研究生没有资格获得无补贴贷款和/或研究生PLUS贷款，他/她可以通过外部贷款机构寻求其他贷款.

选择贷款

私人另类学生贷款

Financing a college education is a concern for many families. Most financial aid packages will include student loans; however, 联邦补贴和非补贴贷款可能无法支付大学费用的全部费用.

我们鼓励学生在申请私人贷款之前提交联邦学生援助免费申请(FAFSA)，以耗尽所有联邦资金的资格. 你可以在这里填写FAFSA www.studentaid.ed.gov.

对于需要从外部贷款机构获得额外费用资助的学生，可以使用私人替代学生贷款. 贷款人根据出勤费减去其他经济援助或年度贷款上限计算资格金额. 另类贷款由私人担保，由于费用和利率较高，往往比联邦贷款更昂贵.  A credit history and other factors may be required, as well as a cosigner.

Delta State University does not endorse any lender or lending institution. To assist in your search, we do recommend using FASTChoice. FASTChoice是一个工具，用于比较过去三个奖项年度中我们的学生借过的私人贷款机构的历史贷款机构名单. 贷款人的名单是随机排列的, and the information provide is accurate to the best of our knowledge.

在快选上比较和申请私人贷款

We will process a private education loan from any lending institution. If you choose to borrow through a lender that is not on this list, we will process your application and certify your eligibility with that lender.

Private Loan Disbursement

贷款人必须为借款人提供贷款人批准和学校认证的贷款的取消期限. The right to cancel period may take between 3 to 10 days, depending on the lender. 在取消权到期后，私人贷款资金将发放给三角洲州，并支付给学生的学生商业服务账户.

向贷款人提出的问题:

  • 资格要求是什么?
  • 利率是什么?它的依据是什么?
  • 什么时候开始还款?
  • Can payment of principal and/or interest be deferred?
  • 利息什么时候资本化?
  • 费用是多少??
  • What are the minimum and maximum loan amounts per year?
  • Can I borrow money to cover past due balances from a previous school term?
  • 对按时还款的借款人是否有利率减免或其他奖励?

贷款咨询 & 主本票

贷款咨询

入学辅导和本票

All students who receive a student loan after July 1, 2010, 必须填写新的主本票和填写新的贷款入学咨询.  Loan funds cannot be paid to a student until this occurs.

Can I fill out my 主本票 and complete Loan 入学咨询 now?
Yes. 你可以两者都做 www.studentaid.gov.

What do I have to do to get my loan funds for next year?

  1. Complete the Free Application for Federal Student Aid (FAFSA) online at studentaid.gov.
  2. Provide documents requested by the Financial Aid Office.
  3. Complete a new 主本票 for the Direct Loan Program at studentaid.gov.
  4. Complete Loan 入学咨询 for Direct Loans at studentaid.gov.

借款人的权利 & 责任

借款人权利与责任

责任

借学生贷款需要承担责任.

Repay the Loan. 当本票被签署时, an agreement is made to repay the loan according to the terms of the note. The note is a binding legal document and states that, 除非是出院的情况, the borrower must repay the loan–even if education is not completed, 完成课程后没有收到工作, 或者借款人不满意, 或者没有接受支付的教育. 在借款之前考虑一下这个义务. If a loan is not repaid on time or according to the terms in the promissory note, 借款人可能会违约, 这会造成非常严重的后果.

自愿支付. 即使没有收到帐单或还款通知，也必须偿还贷款. A borrower is obligated to make payments even if a notice is not received. Billing statements (or coupon books) are sent as a convenience.

Deferment. 申请延期或延期的, 借款人必须继续付款，直到通知其请求已获批准. The loan may go in default if payments are not made during the process. A copy of any submitted request forms should be kept. 借款人应记录与持有贷款的组织的所有联系.

状态通知. 毕业后, 大学撤军, 或者降到兼职以下, a borrower must notify the appropriate representative (school, agency, 或者贷方)管理贷款. 如果改名, address, 社会安全号码, 或者转学到另一所学校, 应联系该代表. 如果是珀金斯贷款, 贷款将由提供贷款的学校或学校指定的为贷款服务的机构管理. 如果借了一笔FFEL计划贷款，它将由贷款人或其服务代理管理.

入学咨询. 不管所借的是何种联邦贷款, entrance counseling must be completed prior to a first loan disbursement. Exit counseling must be completed before leaving school. 这些咨询会议将由三角洲州管理，并将提供有关贷款的重要信息. Additional information about a loan will be provided by the lender.

Rights

借款人有某些权利.

在贷款发放之前, the following information about a loan from the school or lender will be received:

  • 贷款的全部金额
  • interest rate
  • 贷款偿还日期
  • effect of eligibility for other types of financial aid
  • 必须支付的任何费用(贷款费用)的完整清单以及如何收取这些费用的信息
  • 每年和总可借金额
  • maximum repayment periods and the minimum repayment amount
  • 违约和后果的解释
  • explanation of available options for consolidating or refinancing a loan
  • 没有罚款的贷款提前还款报表

在离开学校之前，学校或贷款人会收到以下贷款信息:

  • Amount of total debt (principal and estimated interest), interest rate, 以及贷款的总利息
  • 还款期间的预期费用, 如贷款拖欠或违约的滞纳金和催收或诉讼费用
  • Explanation of available options for consolidating or refinancing a loan
  • 没有罚款的贷款提前还款报表.
  • 在退出咨询期间，将为FFEL Stafford贷款持有人提供以下信息:
    • 持有贷款人或机构的名称;
    • 在哪里付款
    • 在哪里写信或打电话询问问题
    • description of current loans, including the average monthly anticipated payments
      description of applicable deferment, forbearance, and discharge provisions
      还款方式
    • 债务管理建议
    • notification that the following must be provided: expected permanent address, 你预期雇主的姓名和地址, 近亲的地址, and any corrections to school’s records concerning borrower’s name, 社会安全号码, references, 还有驾照号码
  • 还款开始前的宽限期(家长可能不会获得PLUS贷款的宽限期.)宽限期从借款人离开学校或降至兼职状态以下开始. The grace period length is shown on the promissory note.
  • 学校贷款还款时间表, lender, 和/或直接贷款服务中心(视情况而定)，说明首次付款的到期日期, 付款的次数和频率, 以及每次付款的金额
  • 延期汇总表, forbearances, 及解除(取消)条款, 包括在何种条件下，美国.S. 国防部可能会偿还贷款.

如果出售贷款的结果是向新的贷款人或机构付款，那么在出售贷款时，必须通知借入FFEL计划贷款的家长. The old and new lender or agency must notify the borrower of the sale. The identity of the new lender or agency holding the loan, 付款地址, 并且必须提供联系信息. (这并不适用于珀金斯贷款的借款人.)

学生贷款行为准则

学生贷款行为准则

In compliance with the 学生贷款行为准则 requirements outlined in the 2008年高等教育机会法案， Delta State University Financial Aid Office prohibits all of the following:

  • 为借款人指定贷款人或拒绝为借款人选择的贷款人或担保人提供贷款证明
  • Accepting from lenders any staffing assistance for the financial aid office
  • 与贷方签订收入分成协议
  • 利益冲突
  • Accepting gifts above a nominal value from lenders or guarantors
  • Accepting private loans conditioned on the use of a lender’s Title IV loans
  • 与贷款机构签订合同，向学生提供补偿

出于以下目的, it is not considered a “gift” to the school for a lender or guarantor to provide:

  • 标准材料, 与贷款有关的活动或项目, 默认的厌恶, 预防违约或金融知识(1).e. 宣传册、工作坊、培训).
  • Food, refreshments, 为改善贷款机构的服务而设计的培训或信息材料, guarantor, 如果培训有助于学校员工的专业发展，则为服务人员.
  • Favorable terms, 条件和借款人福利, as long as these are provided to all students at the school.
  • 出入咨询服务, 只要学校控制咨询，不推广贷款人的产品和服务.
  • 与贷款额无关的慈善捐款.