直接贷款

贷款类型:

Federal Direct Subsidized Stafford 贷款 are awarded to students who demonstrate financial need. Interest is deferred while the student is enrolled in school on at least a half-time basis and 在宽限期内. Only undergraduate students are eligible for Subsidized Stafford 贷款.

Federal Direct Unsubsidized Stafford 贷款 are also available for undergraduate students, and graduate and professional students with need. Students who do not qualify for need-based assistance may qualify for these loans. Unlike the Subsidized Stafford Loan, interest accrues on this unsubsidized loan during the time of enrollment, 在宽限期内, and during periods or repayment or deferment. The borrower can make interest payments while in school or can request that the servicer add the interest to the principal of the loan (this is called "capitalization"). If the borrower does not make an interest payment as scheduled, the interest is automatically capitalized.

资格要求 

• 至少有一半时间注册 (6 credits undergraduate / 3 credits graduate).
• 让令人满意 学术 progress.     

申请过程

• Your initial eligibility application 是你的 Free Application for Federal Student 援助 (FAFSA).
• 检查 your Banner offer of financial assistance if you were awarded a subsidized or unsubsidized loan.
• If you are a first-time borrower of subsidized or unsubsidized loans:
  •  完成一个 主本票 (或然数). You can electronically sign a master promissory note at studentaid.政府. You will only need to sign once for all 直接贷款 you borrow at SPU.
  • 完整的 入学咨询. 完整的 entrance counseling at studentaid.政府. During entrance counseling you will learn what a direct loan is, 这个过程是如何运作的, your rights and responsibilities as a borrower, how to manage your educational expenses, and learn about other financial resources that may help pay for your education.

还款

• 开始还款 six months after ceasing at least half-time enrollment in school.
• 在无补贴贷款方面， interest begins to accrue at disbursement. Payment of accruing interest is not required until the loan enters repayment. 
• 在补贴贷款方面， interest accrues according to date of first disbursement. 对于大多数补贴贷款, interest accrual begins six months after ceasing at least half-time enrollment in school.
• 标准还款 期限为10年.
• 最低月供 is $50.     

Subsidized loans: 150 percent loan limit 

Due to the Moving Ahead for Progress in the 21st Century Act, a new borrower on or after July 1, 2013, cannot receive subsidized loans for more than 150 percent of the published length of the borrower’s educational program (for example, a student who is in a 4-year program can receive subsidized loans for up to 6 years).

The law also notes that a borrower who becomes ineligible for subsidized loans because of the 150 percent limit is ineligible for interest-subsidy benefits on all subsidized loans first disbursed to that borrower on or after July 1, 2013.

谁是第一次借款者? Generally, one who did not have an outstanding balance of principal or interest on a Direct Loan or on a FFEL Program loan on July 1, 2013.

请注意, 7月1日起, 2021, this loan limit has been repealed for all first-time borrowers on or after July 1, 2021. While this limit will still apply to students who borrowed a Federal Direct Loan or FFEL Program Loan between July 1, 2013年和7月1日, 2021, students whose first Federal Direct Loan disbursement was on or after July 1, 2021 will no longer be held to this 150% limit.

需要帮助?

学生财务服务 is a good starting point for information and resources regarding obtaining financial aid, and for issues or assistance after you successfully obtain a loan. 在你获得贷款之后, the Washington Student Achievement Council (WSAC) can also provide information and resources about student loan repayment, or can assist with a complaint relating to our student loans or student loan servicer. 请访问 wsac.wa.政府 / loan-advocacy or contact the WSAC Student Loan Advocate at loanadvocate@wsac.wa.政府 了解更多信息.

Additional help is available with the Federal Student 援助 Ombudsman Group. 欲了解更多信息，请访问 Getting Prepared Before Seeking Help.