联邦直接贷款

主要特点

Available to all matriculating students enrolled at least half-time, regardless of need, provided they are a U.S. citizen or permanent resident and are not in default on previous federal loans. Annual loan amount is determined by the student's grade level. 

Maximum annual loan limits based on grade level for 依赖本科生 如下面所述: 

学分完成 最高补贴 无补贴
0-26 $ 3,500名 $ 2,000个 $ 5,500名
27-56 $ 4,500名 $ 2,000个 $ 6,500名
57+ $ 5,500名 $ 2,000个 $ 7,500个

Whether loan is Subsidized is based on financial need as determined by the FAFSA. If student as no financial need, total annual 无补贴 Stafford Loan eligibility would be:  $ 5,500名 as a freshman, $ 6,500名 as a sophomore, $ 7,500个 as a junior or senior.

Maximum annual loan limits per grade level for independent undergraduate students or for 依赖本科生 whose parents are denied on the Federal Direct PLUS Loan 如下面所述:

学分完成 最高补贴 无补贴
0-26 $ 3,500名 $ 6000名 $ 9,500名
27-56 $ 4,500名 $ 6000名 $ 10,500名
57+ $ 5,500名 $ 7,000名 $ 12,500

Whether loan is subsidized or unsubsidized is based on financial need.

直接贷款的特点:

  • 学生是主要的借款人
  • Repayment automatically deferred until six months following graduation, provided the student remains enrolled at least half-time
  • Standard repayment term is 10 years. 
  • If you have financial need, a portion of your loan 可补贴 (i.e.-federal government pays the interest on the loan while you are enrolled and during your six-month grace period. 
  • You have option of making quarterly payments on the interest on your 无补贴 Stafford Loan.
  • 该 interest rate on your Stafford Loan is fixed for the life of the loan. 
  • 利率 for Direct Stafford Loans is variable-fixed, reset each July.
  • 该 联邦直接斯塔福德贷款 has an origination fee.

申请联邦直接贷款

 

For the 夏季 2020/Fall 2020/Spring 2021 Semesters:

所有借款人:

1- Complete a Direct Loan Request Form to confirm Loan amount & loan term (www.mckameymedia.com/finaidforms)

 

第一次借款人在阿卡迪亚:

阿卡迪亚形式:

1- Complete Direct Loan Request form, linked above

形式 at Studentloans.gov (FSA ID needed):

2 - 完成 联邦直接贷款MPN

3-完成一 Federal Direct Loan Entrance 辅导服务 Session

 

看到阿卡迪亚 Lender Partnership Code of Conduct for more information on the selection of private education lenders.

需要更多的信息?

Learn more about Income-Based Repayment, Public Service Loan Forgiveness, and whether your federal student loans qualify.

Not sure what kind of loan you have or whether you've already consolidated? 检查 国家助学贷款数据系统 to be sure. If you can't remember your PIN number, you can get a new one.

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