Federal Direct 贷款
联邦直接贷款是联邦政府提供的低息贷款，可以帮助你支付大学费用.
There are two types of Federal Direct 贷款 for students:
- SUBSIDIZED Federal Direct 贷款 是基于经济需要，这是通过完成联邦学生援助免费申请确定的. 当学生在学校注册至少一半时间时，政府为学生支付利息时，贷款是“补贴”的, 在你离开学校后的前六个月(被称为宽限期*)和授权延期期间.
*注意: 如果你收到了在7月1日之间首次发放的直接补贴贷款, 2012, 及七月一日, 2014, 您将负责支付在您的宽限期内产生的任何利息. 如果你选择不支付在宽限期内产生的利息, the interest will be added to your principal balance.
- UNSUBSIDIZED Federal Direct 贷款 are not based on financial need. This loan is not subsidized by the government. 学生对在校期间产生的所有兴趣负责, grace and deferment periods. 学生可以选择在校期间支付利息，也可以推迟(和累积)利息，直到还款.
有关直接贷款计划的进一步详情，可从 Federal Student 援助.
学生每学期必须注册至少六个第四章合格学分
学生必须这样做，以便获得贷款资金并使用贷款资金支付全球网络赌博平台(JC)的教育费用。. 您的贷款申请将根据我们的机构学费进行处理. 以前尝试过两次的课程将不计入您的六个第四章合格学分. If you drop below six Title IV eligible credit hours, your future loan disbursement(s) will be cancelled. If you withdraw from your class(es), 您可能需要立即向JC偿还部分贷款资金. 您需要偿还的金额将根据美国的规定确定.S. Department of Education’s Return of Title IV Funds policy.
Students must be in good academic standing
学生必须取得令人满意的学业进展，以完成他们的JC学位或证书课程. 良好的学术地位意味着保持最低累积平均绩点2.0. 在完成一门课程的过程中取得满意的学业进展意味着完成了所有学分的67%. 学业进度不达标者，给予一学期学业警告处分. 在学业警告学期，学生可以获得经济援助，包括贷款. 已经达到学时限制或被暂停联邦财政援助的学生将没有资格获得贷款.
Important Information
JC is concerned about the high debt level of our students. 所有联邦直接补贴和非补贴贷款都是基于标准的机构预算. 联邦直接贷款旨在用于包括学费在内的直接教育费用, 费用, student room and board, books and transportation. You may not be eligible to borrow the maximum amount. Loan funds cannot be used to pay for non-education expenses.
另外, 你的实际贷款金额是基于你的贷款期限和你在贷款期间收到的其他财政援助/教育资源. If you are applying for a loan for one semester of attendance at JC, your loan amount will not exceed half of your annual loan limit. One semester loans will also have two disbursement dates. 您必须注册至少6个学分才能获得任何贷款资金. You will automatically be considered for subsidized loan funds first.
原始贷款将只在秋季和春季学期处理. 当你的奖项确定后，你会在JC的电子邮件账户收到一封电子邮件. 您可以在接受捷流贷款后减少您的贷款金额. Loan requests for summer will be available in mid-March. 如果你在秋季和春季学期没有收到最高金额，你才有资格获得夏季贷款. (See chart below.)
Maximum Annual Borrowing Limits for the Entire Academic Year
(秋天,春天 & 夏季)
依赖
| 学生的地位 | 补贴 | 总计 (补贴 + 未受资助的) |
|---|---|---|
| Freshman (0-23 credits) | $3,500 | $5,500 |
| Sophomore (24+ credits) | $4,500 | $6,500 |
独立的
| 学生的地位 | 补贴 | 总计 (补贴 + 未受资助的) |
|---|---|---|
| Freshman (0-23 credits) | $3,500 | $9,500 |
| Sophomore (24+ credits) | $4,500 | $10,500 |
如果你在学年期间从大一的身份变成了大二的身份, your maximum eligibility is the total for the sophomore status.
美国.S. 教育部将在您的贷款金额中扣除费用，然后将资金发送给JC. (See charts below)
ORIGINATION FEES
| 贷款类型 | First Disbursement Date | Origination Fee |
|---|---|---|
| Direct 补贴 & 未受资助的 | 10/01/22 – 09/30/24 | 1.057% |
| 直接加 | 10/01/22 – 09/30/24 | 4.228% |
利率
| 贷款类型 | First Disbursement Date | Fixed Interest Rate |
|---|---|---|
| Direct 补贴 & 未受资助的 | 07/01/23 – 06/30/24 | 5.50% |
| 直接加 | 07/01/23 – 06/30/24 | 8.05% |
| Direct 补贴 & 未受资助的 | 07/01/22 – 06/30/23 | 4.99% |
| 直接加 | 07/01/22 – 06/30/23 | 7.54% |
ESTIMATED MONTHLY PAYMENT FOR DIRECT LOANS AND FFEL PROGRAM LOANS
(Standard Repayment)
| Debt When Loan Enters Repayment | 每月* | 总计 |
|---|---|---|
| $5,000 | $58 | $6,904 |
| $10,000 | $115 | $13,809 |
| $25,000 | $288 | $34,524 |
| $50,000 | $575 | $69,048 |
| $100,000 | $1,151 | $138,096 |
*Payments were calculated using a fixed interest rate of 6.8% for loans disbursed on or after July 1, 2006.
联邦直接贷款和PLUS贷款信息将提交给国家学生贷款数据系统(NSLDS)，并将由担保机构访问, 被确定为数据系统授权用户的贷款人和机构.