The Federal Direct Parent Loan for Undergraduate Students (家长PLUS贷款)是一项以信用为基础的贷款,提供给受供养本科生的家长. Students will not have this loan included in their financial aid offer. Parents must apply separately for this loan via Student援助.政府 并且可以借到学生的总出勤费用,减去所有其他经济援助.
Video Playlist: Parent PLUS Loan Overview
资格:
家长PLUS贷款适用于已提交FAFSA的受抚养本科生的信用良好的父母, 无论经济需要如何. To be approved, the parent must not have an adverse credit history.
Conditions that result in an adverse credit history include:
- One or more debts with a total combined outst和ing balance greater than $2,逾期90天或以上,或在信用报告日期前两年内已被催收或冲销(注销).
- 在出具信用报告之日前五年内,有下列情形之一的:
-
- 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
- Write-off of a federal student aid debt
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. 如果这些都不符合,他们被认为是依赖联邦学生援助的目的.
拒绝时的选项:
If you are denied a 家长PLUS贷款 because of adverse credit, you may...
- 与信誉良好的担保人重新申请.
- 如果有与你的信用记录相关的情有可依的情况,你可以向教育部提出上诉.
- MG线上电子游戏——您的学生可能有资格获得额外的联邦直接无补贴贷款.
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贷款提供的利率在贷款期限内保持固定.
- 为 loans borrowed during the 2023-24 academic year: 8.05%
- 为 loans borrowed during the 2022-23 academic year: 7.54%
- 为 loans borrowed during the 2021-22 academic year: 6.28%
- 为 loans borrowed during the 2020-21 academic year: 5.30%
利息是在学生在校期间、任何宽限期和还款期间产生的. You can pay the interest as it accrues if you wish. If not paid, interest will be capitalized when repayment begins.
融资费用:
在支付每一笔贷款时扣除贷款发起费. 为 loans with a first disbursement on or after Oct. 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 使用您自己的FSA ID,申请PLUS贷款,并填写主本票(MPN).
A credit check will be conducted once you begin the loan application process. 如果你最初被拒绝了父母PLUS贷款,但后来通过获得背书或证明情有可原的情况而获得了资格, you will also be required to complete PLUS Counseling. 这可以通过 Student援助.政府 也.
一旦你被批准, 教育部将向我们发送您的贷款批准确认书和所需金额的详细信息. The loan will be added to your student's financial aid award after processing.
还款 begins 60 days after the last disbursement of the loan. 然而, 在学生MG线上电子游戏至少一半的时间内,以及在学生毕业后的六个月宽限期内,还款可以延期. 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, but that amount will likely be higher depending on the total amount borrowed.
标准还款期限为10年,但根据借款总额和选择的还款计划,最长可达25年.
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