Federal Direct Subsidized and Unsubsidized Loans
联邦直接补贴和非补贴学生贷款是通过联邦直接贷款项目发放的.S. Department of Education.
补贴贷款和无补贴贷款是低息贷款，用于帮助学生支付高中毕业后的高等教育费用. 联邦学生贷款可以帮助填补助学金或奖学金与上学费用之间的差距. 你不需要接受任何贷款，除非你接受贷款，否则我们不会处理贷款. 独立学生和独立学生都可以获得贷款. Keep in mind that student loans must be repaid.
You can manage your Federal loan history on studentaid.gov
, 您将有一个单一的联系点和在线访问您的直接贷款帐户信息. Once you graduate, 退学或停止半日制注册，你将开始六个月的宽限期，然后开始还款. There are several repayment plans
to choose from once you are in repayment.
Note:所有本科生必须选修6个专业，才能发放贷款.
Eligibility Requirements
-
提交免费的联邦学生资助申请(FAFSA
) and other supporting documents, if required. -
必须是美国公民或符合条件的非公民(永久居民).
-
你必须注册或被录取攻读学位、证书或专业课程.
-
您的注册状态必须至少为半学期(相当于6个单元)。.
Subsidized Loan
-
学生必须有经济需要，由你的学校决定 FAFSA
application -
最高贷款资格是基于你的FAFSA申请确定的年级水平和经济需求
-
联邦政府在你离开学校后的前六个月为你支付利息 grace period
), and during a period of deferment
(a postponement of loan payments). -
在6个月的宽限期结束时开始还款
-
Interest rate is fixed
Unsubsidized Loan
- Not need based
- 基于年级水平和依赖状态的最大值
- Federal government does not pay interest
- Interest is fixed
- 没有义务在注册期间支付至少一半的费用
- 利息在在校和/或延期期间产生并资本化
Interest Rates and Loan Fees
利率由国会每年调整一次，新的利率在每年的7月1日生效. 虽然新贷款的利率可能会在每年的7月1日发生变化, 收到的利率将在贷款期限内固定.
In addition to the interest rate, 直接贷款对所有斯塔福德贷款收取发起费, 在付款时从您的贷款资金中扣除哪一部分.
Please check the student aid website
本年度及过去年度的利率及贷款费用.
How to Accept and Decline Loans
- Log into your CSUF Portal
- Click on Titan Online
- Click on Student Homepage
- 点击财政援助，确保你在正确的援助年度(左上角)
- 点击左侧奖项下的接受/拒绝选项卡
- Click on the pencil icon to edit Award Decision
- 单击Award Decision列下的贷款下拉菜单，然后选择Accept或Decline
- To accept a smaller loan amount, 选中“减少”框，然后在“已接受”列中输入新的贷款金额
- 审查，然后点击提交按钮，最终确定您的贷款决定
- Complete both the Loan Entrance Counseling
and the Loan Master Promissory Note (MPN)
on Federal Student Aid
Please note: typically, 接受的贷款金额将分成两部分:您将获得秋季学期的一半，另一半将保留到春季学期. For example, if you accept a loan amount of $2,000 - you will receive $1,000 for fall term and $1,000 for spring term.
HOW MUCH CAN I BORROW
每学年你可能有资格获得的资助贷款和非资助贷款有限额(年度贷款限额)，你可以为本科和研究生学习借入的总金额(总贷款限额)。. 你每学年有资格获得的实际贷款金额可能低于年度贷款限额. 这些限制取决于你的年级水平和依赖状态.
| Academic Year | Dependent Students* | Independent Students* | ||||
|---|---|---|---|---|---|---|
| Subsidized | Unsubsidized | Combined | Subsidized | Unsubsidized | Combined | |
|
Year 1 (0-29 Earned Units) |
$3,500 | $2,000 | $5,500 | $3,500 | $6,000 | $9,500 |
|
Year 2 (30-59 Earned Units) |
$4,500 | $2,000 | $6,500 | $4,500 | $6,000 | $10,500 |
|
Year 3 (60-89 Earned Units) Year 4 (90+ Earned Units) |
$5,500 | $2,000 | $7,500 | $5,500 | $7,000 | $12,500 |
|
Post-Baccalaureate Unclassified |
$5,500 | N/A | $5,500 | $5,500 | $7,000 | $12,500 |
AggregaTe Loan Limits
For financial aid purposes, you must have earned a minimum of 30 units to be considered a sophomore; 60 units to be considered a junior; 90 units to be considered a senior. 你的贷款将在招生和记录办公室指定的年级进行处理.
*包括父母被拒绝PLUS贷款的受抚养学生.
一学期贷款毕业生限制联邦法规要求学校按比例发放联邦直接贷款给毕业的本科生，如果他们的最后入学时间少于一个学年. 贷款限额比例决定了学生在最后学习期间可以根据所报读的单元借入的最高贷款金额.
|
Aggregate Limits |
Subsidized Only |
Subsidized and
|
|
Undergraduate - Dependent |
$23,000 |
$31,000 |
|
Undergraduate - Independent |
$23,000 |
$57,500 |
Federal Loan Servicers
您可以通过登录到 Federal Student Aid website
using your federal ID and password. If you forgot your ID or password, you may indicate so on the site, 您将被指示输入您的电子邮件，以重新设置和访问您的信息. 如果您有任何一般性问题，请随时与 Office of Financial Aid
.
