本科生联邦直系父母贷款(家长PLUS贷款) is a credit-based loan available to parents of dependent undergraduate students. 这笔贷款不会包含在学生的经济援助中. 家长必须通过以下途径另行申请此项贷款 Student援助.政府 和 may borrow up to the student's total 出勤费用,减去所有其他经济资助.
视频播放列表:家长PLUS贷款概述
资格:
The 家长PLUS贷款 is available to credit-worthy parents of dependent undergraduate students who have submitted a FAFSA, 无论经济需要如何. 要获得批准,父母必须没有不良信用记录.
导致不良信用记录的条件包括:
- 总余额大于2美元的一笔或多笔债务,085 that are 90 or more days delinquent or that have been placed in collection or charged-off (written off) during the two years preceding the date of the credit report.
- Having been subject to any of the following conditions during the five years preceding the date of the credit report:
-
- 默认的决心
- 在破产中清偿债务
- 丧失抵押品赎回权
- 收回
- 税收留置权
- 扣发工资
- 注销一笔联邦学生援助债务
Students are considered to be independent if they are: at least 24 years old; married; have children; a graduate student; a veteran; a member of the armed forces; an orphan, 法庭监护, 或无家可归. If none of those apply, they are considered to be dependent for federal student aid purposes.
拒绝时的选项:
如果你因为信用不良而被拒绝了父母贷款,你可以...
- 与信誉良好的担保人重新申请.
- Appeal the denial with the Department of Education if there are extenuating circumstances related to your credit history that you can document.
- 联系 us--your student may be eligible for an additional Federal Direct Un补贴 loan.
最高贷款金额:
到你的总数为止 出勤费用,减去所有其他经济资助.
利率:
家长PLUS贷款s offer interest rates that remain fixed for the life of the loan.
- 2023-24学年的贷款: 8.05%
- 2022-23学年的贷款: 7.54%
- 2021-22学年贷款: 6.28%
- 2020-21学年贷款: 5.30%
Interest accrues while the student is in school, during any grace period, 和 during repayment. 如果你愿意,你可以随时支付利息. 如果没有支付,利息将在还款开始时资本化.
融资费用:
A loan origination fee is deducted at the disbursement of each installment of the loan. 对于在10月10日或之后首次付款的贷款. 2020年10月1日及之前. 2023年1月1日,费用为 4.228%.
如何申请:
你必须签到 Student援助.政府 using your own FSA ID, request a PLUS loan, 和 complete a Master Promissory Note (MPN).
一旦您开始贷款申请流程,将进行信用检查. If you were initially denied the 家长PLUS贷款 but have since qualified by obtaining an endorser or documenting extenuating circumstances, 您还需要完成PLUS咨询. 这可以通过 Student援助.政府 也.
一旦你被批准, the Department of Education will send us confirmation of your loan approval 和 the details of the requested amount. 这笔贷款将在处理后添加到学生的经济援助奖励中.
还款在最后一次支付贷款后60天开始. 然而, repayment can be deferred while the student is enrolled at least half-time 和 for an additional six-month grace period after the student graduates. 付款是给你的 直接贷款服务商 每个月. 最低还款额是50美元, 但根据借款总额的不同,这个数字可能会更高.
The st和ard repayment period is 10 years but can be as long as 25 years depending on total borrowing 和 chosen repayment plan.
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