Financial Aid: Federal Direct Ford Loan

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As part of the Federal Direct Loan Program, 有补贴贷款和无补贴贷款都是通过美国银行直接提供给你的.S. Department of Education. 这些贷款提供给攻读学位的学生，至少在学校学习一半时间. 补贴贷款和非补贴贷款的主要区别在于，联邦政府支付补贴贷款的利息，同时至少有一半的时间在校, during the grace period, and during periods of authorized deferment. This makes Subsidized loans a less-expensive option. 如果经济援助奖励不能完全支付费用，家长PLUS贷款可能是另一个选择. 

Contents

Federal Direct Subsidized Loan

Eligibility

你必须完成FAFSA，并且有经济需求，才有资格获得直接补贴贷款. 如果你在任何助学金和奖学金之后还有剩余的需求，这笔贷款将作为你的经济援助奖励的一部分.

Accepting the Loan

您必须在自助服务中接受贷款，然后才能处理任何资金. First-time borrowers must also sign a Master Promissory Note and complete entrance counseling before loan funds may be disbursed; both can be found on the Federal Student Aid website.

Interest and Loan Fees

The interest rate on your Direct Subsidized Loan is fixed, 如果你在学校注册了至少一半的时间，你将不会被收取利息, during your 6-month grace period*, or during deferments. You will begin repaying your loan six months after you graduate, leave school, or drop below half-time enrollment status. 每月还款额和实际还款期限取决于你所欠的贷款金额, your interest rate, and the loan repayment option you chose.

而直接补贴贷款在你上学期间是没有利息的, 在发放贷款时，会从贷款中扣除约1%的贷款费用.

NOTE: Subsidized Direct Loans that disbursed between July 1, 2012 and July 1, 2014 accrue interest during their grace period.

Borrowing Limitations

根据你的年级水平，你每年可以借的金额是有限制的, as well as a cumulative undergraduate borrowing amount. First year students receive up to $3,500 annually, students with a Sophomore standing receive up to $4,500 annually, and students with a Junior or higher status receive up to $5,500 annually. The cumulative limit undergraduates may receive is $23,000.

Federal regulations limit your eligibility for Direct Subsidized Loans; you are able to borrow Subsidized Direct Loans for up to 150% of the published length of your educational program. This means if you are enrolled in a four-year program, you would be eligible for direct subsidized loans for up to six years.

Federal Direct Unsubsidized Loan

Eligibility

As part of the Federal Direct Loan Program, Unsubsidized Direct Loans are made directly to you through the U.S. Department of Education. 这些贷款提供给攻读学位的学生，他们至少有一半的时间在校学习. Unlike Subsidized loans, 经济需要不是决定你是否有资格获得无补贴贷款的一个因素. 这意味着无论你的家庭收入如何，你都有资格获得无补贴贷款.

Accepting the Loan

您必须在自助服务中接受贷款，然后才能处理任何资金. First time borrowers must also sign a Master Promissory Note and complete entrance counseling before loan funds may be disbursed; both can be found on the Federal Student Aid website.

Interest and Loan Fees

With an Unsubsidized Direct Loan, interest begins to accumulate once the loan is disbursed, even while you are in school. 利息从贷款支付给你的那一天开始，直到贷款全部还清的那一天. 学年贷款的利率为固定利率，不会改变. A statement of accrued interest will be sent to you periodically. 你可以选择在校期间支付累积的利息, or have the interest capitalized. 资本化是指将未付的累计利息加到贷款的本金余额中. Capitalization increases the total cost of your loan, so if you choose to let your interest be capitalized, 总的来说，你将比在校期间偿还更多的钱.

除了利息外，所有直接贷款还需支付约1%的贷款费用. The loan fee is deducted from your loan at the time of disbursement.

Borrowing Limitations

根据你的年级水平，你每年可以借的金额是有限制的, as well as a cumulative undergraduate borrowing amount. 

Dependent undergraduate students can borrow: 

  • Freshman – $5,500 (up to $3,500 subsidized); 
  • Sophomore – $6,500 (up to $4,500 Subsidized); 
  • Junior+ – $7,500 (up to $5,500 Subsidized); 
  • Aggregate/Cumulative – $31,000 (up to $23,000 Subsidized). 

Independent undergraduate students can borrow: 

  • Freshman – $9,500 (up to $3,500 Subsidized); 
  • Sophomore – $10,500 (up to $4,500 Subsidized); 
  • Junior+ – $12,500 (up to $5,500 Subsidized); 
  • Aggregate/Cumulative – $57,500 (up to $23,000 Subsidized). 

Parent PLUS Loan

联邦直接父母PLUS贷款使受抚养学生的父母能够直接从美国联邦政府获得资金.S. Department of Education. 如果你的经济援助不足以支付你的费用，家长PLUS贷款是一个选择. For this loan, the Department is the lender rather than a bank, and the loan proceeds are delivered through UW-Eau Claire.

Definition of a Dependent Student

请参阅联邦学生援助网站，了解您计划申请经济援助的学年的受抚养学生的确切定义. 一般来说，如果学生符合以下条件，他们将被视为独立的学生:

  • 24 years old prior to January 1 of the academic year.
  • A graduate student.
  • Married at the time the FAFSA is filed.
  • Providing more than half the support for dependents.
  • A veteran or on active duty.
  • An orphan, ward of the court, or designated as homeless.

Eligibility

学生必须注册为攻读学位的学生，并在威斯康星大学欧克莱尔分校至少有一半的时间.  Financial need is not considered when determining eligibility, however, a credit check will be performed during the application process. If the Parent PLUS Loan is approved, 家长必须在学生贷款网站上填写主本票. 

Options if Plus Loan is Denied

如果家长被拒绝PLUS贷款，他们有三种选择.

  1. 暂停PLUS贷款申请，并选择让学生再借一笔直接无补贴贷款.
  2. Have an endorser co-sign the loan. 背书人必须在学生贷款网站上创建一个FSA ID，并完成电子背书人附录. The endorser’s credit history will be reviewed. If the endorser is approved, UW-Eau Claire will be notified. After the addendum is completed, 家长必须使用自己的FSA ID在学生贷款网站上填写PLUS信用咨询和PLUS贷款主本票.
  3. 在学生贷款网站上对信用决定提出上诉，并完成PLUS信用咨询和PLUS主本票.

Interest and Loan Fees

当前的发起费用和利率可以在联邦学生援助网站上找到，以前的PLUS贷款利率可以在NSLDS上找到.  

家长可以借到的金额最多为孩子的就读费用减去任何其他经济援助收到的金额.

母借款人需要支付本金和累积的利息. 贷款利息从第一次贷款发放之日起开始累积. 

Repayment or Deferment

家长PLUS贷款的还款开始于贷款全额支付后60天，或学生停止注册至少一半时间后六个月. 家长PLUS借款人可以选择联系他们的贷款机构，为他们的受抚养子女申请在校延期. 家长应等到第一次发放贷款后再提出此要求. With a deferment, repayment on the loan, including the accumulated interest, begins after the student ceases to be enrolled at least half time.