研究生

教育贷款

Many of our graduate students use educational loans to help finance the cost of their education in lieu of higher interest credit cards or short term payment plans.  的 联邦直接无补贴学生贷款 特别是, 提供简单的资格标准, 在注册期间延迟付款, 延长还款期限, 灵活的还款选择, 和低, 固定利率.

联邦直接无补贴学生贷款

教育部提供了一个 联邦直接学生贷款 供攻读学位的研究生使用. 这种非信用贷款的特点是利率低, 固定利率, as well as deferment of payment during periods of at least half-time enrollment (6 credit hours). 提交 免费申请联邦学生资助 (FAFSA) is required to certify a student's eligibility to participate in this program.

*This amount is pro-rated for students attending just a single semester during an academic year.

2024-2025年联邦直接贷款利率

As of May 2024 the Treasury Department held a 10-year Treasury note auction that resulted the below  利率 for Direct Subsidized Loans, 直接无补贴贷款, and Direct PLUS Loans first disbursed on or after July 1, 2024年及7月1日之前, 2025.

直接无补贴贷款 for 研究生 and Professional Students  8.083%

了解利息是如何计算的 what fees are associated with your federal student loan.

联邦直接毕业生加贷款

的 Department of Education also provides an additional 毕业生信用贷款机会 students which allows them to borrow up to their full 出勤费用 minus other aid. Payment typically begins 30 to 60 days after full disbursement of the loan funds to the university, although deferment provisions are available for students enrolled at least half-time in a degree seeking program.

2024-2025年联邦直接贷款利率

As of May 2024 the Treasury Department held a 10-year Treasury note auction that resulted the below  利率 for Direct Subsidized Loans, 直接无补贴贷款, and Direct PLUS Loans first disbursed on or after July 1, 2024年及7月1日之前, 2025.

联邦直接毕业生加贷款利率  9.083%

Submission of a FAFSA as well as completion of an entrance loan counseling session are required as part of the application process. 了解更多信息 联邦学生资助.

总贷款限额 

$138,500 for graduate or professional students-No more than $65,其中500元可作为补贴贷款. 的 graduate aggregate limit includes all federal loans received for undergraduate study.

入学贷款咨询 

A student who accepts a Federal Student Loan is required to complete 入学咨询.  Entrance counseling ensures you understand the terms and conditions of your loan and your rights and responsibilities. 你会学到什么是贷款, 兴趣是如何产生的, 你的还款选择, 以及如何避免拖欠和违约.

了解贷款还款

A student that has borrowed a federal loan is required to complete 出口咨询 when you leave school or drop below half-time enrollment. 的 purpose of 出口咨询 is to ensure you understand your student loan obligations and are prepared for repayment

学习更多关于付款的知识, 改变还款计划, 探索选项, 向教育部寻求帮助 学生资助网站. 

宽恕诈骗

如果电子邮件, 电话, and text messages you’re receiving about student loan forgiveness are setting off your scam sensor, 我们会帮你的. Learn more about the most common student loan forgiveness scams and how to avoid them. 访问 联邦学生资助.

私人教育贷款

Remember that 利率 and fees are generally lower for federal student loans than private student loans.

St. 爱德华的, in conjunction with Elm 资源, maintains information on a number of 另类贷款计划 通过私人银行和贷款集团提供

因为这些是非联邦贷款, 每家贷款机构都有自己的资格标准, 利率, 处理费用, 以及还款条款.  一般, students must meet fairly high credit standards to qualify on their own, so many students will need a credit-worthy cosigner in order to qualify.  如果得到批准, students can typically borrow up to their full 出勤费用 minus any other aid the student is receiving for the period of attendance set to be covered by the loan.  Students will receive a finalized disclosure statement after their master promissory note has been signed confirming the terms and conditions of their loan from the lender.

Federal regulations require all private loan borrowers to review a series of disclosures and complete the applicant self-certification form. 学生可以获得一份 网上自我证明表格 或者来自私人教育贷款机构.

由于信用审查的要求, Student Financial Services cannot guarantee that all students who apply will qualify for loan funds.  审批由贷款人决定. 

请 note that a lender's inclusion in this list is not meant as an endorsement by the university, nor is it meant to limit your selection of a private education loan.  这些特定的贷款机构被列入名单是因为:

• they have a proven track-record of reliable customer service;
• they offer competitive 利率 以及还款条款; and
• they utilize electronic processing compatible with the university’s financial aid management system ensuring consistent and timely delivery of loan funds. 

然而, the Office of 学生财务服务 will certify an application for any private education loan regardless of whether the lender appears on this list or not.

一旦你决定了贷款人, please contact your 学生财务服务 Advisor for information you'll need to provide as part of your application for the loan, 包括贷款期限, 出勤费用, 以及其他援助的总额.

St. 365比分网电竞 does not receive any form of payment or renumeration from lenders in exchange for inclusion on this list.

校外奖学金机会

Learn more about 校外奖学金机会 (scholarship funding outside of St. 爱德华的) 在这里.