贷款的选择

所有提交有效的学生 FAFSA 有资格.

Both subsidized and unsubsidized loans are guaranteed by the U.S. 教育部 directly and both types offer a grace period of six months, which means that no payments are due until six months after you graduate, 离开学校, 或者降至半日入学率以下.

这两种类型都有相当适度的年限制. 一学年的上限是3美元,500 per year for freshman undergraduate students, $4,本科生二年级500元, 和5美元,大三和大四本科生每年500美元. An increase in undergraduate loan limits due to new legislation H.R. 5715“确保继续获得2008年学生贷款法案”将每年的无补贴直接贷款金额额外提高了2美元,000.

If you are an independent student as determined by the FAFSA, 或父母无法通过联邦直接父母贷款为本科生(PLUS)计划借款的受抚养本科生, 你可能有资格在无补贴的联邦直接学生贷款计划下借入额外的金额.

对于父母没有被拒绝PLUS贷款的受抚养学生，你可以为所有本科学习借款的总额, is $31,000. No more than $23,000 of this aggregate amount may be in subsidized loans. H下的变化.R. 5715条将于2008年7月1日生效. Contact the Office of 招生 and 金融援助 for additional information.

补贴的联邦学生贷款提供给有经济需要的学生. 对于这些贷款，联邦政府在学生上大学期间支付利息. 例如, 那些借10美元的人,000 during college will owe only the principal amount of $10,当他们离开学校的时候.

Unsubsidized federal student loans are also guaranteed by the U.S. 政府, but the 政府 does not pay interest for the student, 相反，兴趣是在大学期间产生的. Those who borrow $10,000 during college will owe $10,000 plus interest upon graduation. 应计利息将被资本化到贷款金额中，借款人将开始按累计总额付款.

例如, 那些借了10美元的人,000美元，只有2美元,000 accrue in interest while enrolled in college will owe $12,当他们毕业的时候. 当学生开始还款时，利息将开始在12,000美元上产生.

在7月1日或之后首次发放的新联邦直接补贴贷款和非补贴贷款的利率, 2023, 7月1日之前, 2024, 本科生, 固定利率是5吗.50%.

10月1日或之后发放的贷款, 2020年及10月1日之前, 2024, 发起费是1.057%.

To apply for a Direct Student Loan at New College, you must:

• 完成一个 免费申请学生资助(FAFSA) and submit it to New College using the code 039574.
• 完成一个nd submit verification paperwork and supporting documents if selected.
• 完成在线入学面试 在这里 如果你以前从未借过直接贷款.
• 电子签署主本票(MPN) 在这里 与美国.S. 教育部.
• 一旦你注册并完成了上面列出的要求，接受你的贷款报价 学生自助服务帐户. 贷款通常在秋季学期开始前一个月开始接受在线申请.

只要你注册了至少一半的时间，你前几年的联邦学生贷款就应该保持延期. You are responsible for notifying your lender if your enrollment status changes. 许多联邦家庭教育贷款(FFEL)项目的贷款人已经将他们的贷款组合出售给教育部进行服务.

您可以选择分别向每个机构/贷款服务公司付款，也可以选择将所有贷款合并为一笔贷款. You can find information about the servicers of federal loans at www.studentaid.政府. You will need your Federal Student 援助 ID from the FAFSA to access this site.

资格不是基于经济需要, however credit guidelines will apply in determining your eligibility. 有不良信用记录的父母被拒绝PLUS贷款将被告知拒绝. In the case of a denial, t在这里 is an option of obtaining an endorser. 有关此选项的更多信息可在 www.studentaid.政府. In the event that your credit is denied and the endorser option is not used, 请与财政援助工作人员联系，为学生申请额外的无补贴直接学生贷款.

父母 may borrow an amount equal to the cost of attendance minus any other aid. 在确定你的借款金额时，考虑你的其他贷款付款，不要超出你偿还总债务的能力. If the PLUS Loan will be borrowed each year that the student is enrolled, please include those future loan amounts when determining your total indebtedness.

作为PLUS申请过程的一部分，教育部要求进行学分审查. The credit review is valid for a period of 180 days, during which a Master Promissory Note (MPN) must be activated.

网赌平台网站在学年开始前的8月中旬才会对贷款进行认证. If we certify your loan after the credit review expires, the 教育部 is required to do another. 可能还需要一个新的MPN.

你的联邦学生资助证明(FSAID). Information on creating, using, or unlocking your FSAID 可以在这里找到.

• 永久地址
• Mailing address (if different from permanent address)
• 电话号码
• 电子邮件地址
• Alien Registration Number (if you are an eligible noncitizen)
• 社会安全号码

• 雇主的名字
• 雇主的地址

学生信息

• 学生的名字，中间的首字母和姓氏
• 学生社会保险号
• 学生出生日期
• 学生解决
• 学生电话号码

两个人的参考信息.S. 认识你至少3年的人的地址. 没有列出直接PLUS贷款借款人或受供养的本科生作为推荐人.

• 引用的名字
• 参考地址
• 参考电话号码

您将代表其完成PLUS贷款申请的学生必须提交一份 FAFSA 在本学年. If selected, verification paperwork and supporting documents must be finalized. 在PLUS贷款被认证和处理之前，学生还必须接受或拒绝他们提供的联邦学生贷款.

点击 在这里 申请PLUS贷款.

Please contact the 金融援助 staff once an application has been made. All new and continuing borrowers will be required to complete a Federal Direct Parent PLUS Loan Master Promissory Note (MPN);  this is required, even if you have borrowed from the Federal PLUS 贷款 in the past.

利率 For Direct PLUS 贷款 first disbursed on or after July 1, 2023, 七月一日之前, 2024, 利率是8.05%.

发放的费用 所有直接PLUS贷款都有贷款费用. 贷款费用是贷款金额的一个百分比，并按比例从每次贷款支付中扣除. The percentage varies depending on when the loan is first disbursed:

— For a Direct PLUS Loan with a first disbursement date on or after Oct. 2020年10月1日及之前. 1、2024年，贷款费用是4.228%.

贷款的发放 The loan funds will be electronically sent to New College. 贷款将分两期发放:一半在秋季学期，一半在春季学期.

还款 还款 begins within 60 days after the final loan disbursement. 这些贷款没有宽限期. However, you may request a deferment in certain circumstances. In order to find out more information about repayment, please visit 联邦学生贷款偿还计划.

在你从其他贷款项目中借款之前，与财政援助工作人员核实所有联邦贷款项目和可能性是很重要的. 根据第四章计划，联邦学生贷款的条款和条件可能比私人教育贷款更有利. Most alternative loans require a good credit history and/or a credit worthy co-signer. 另一种贷款不是基于需要, 但不能超过学年出勤费和所有其他经济援助之间的差额. 如果你需要替代贷款, choose the loan that best meets your needs and remember – borrow only what you need!

• 早期应用!
• 研究替代贷款. 每个贷方为借款人提供不同的利益.
• 第四章学校代码是039574.
• 一旦你申请了替代贷款, contact 金融援助 staff so they can certify the application.
• 借明智! You may borrow an amount equal to the cost of attendance minus any other aid. 在确定你的借款金额时，考虑你的其他贷款付款，不要超出你偿还总债务的能力.
• 贷款款项将寄往新书院. 在大多数情况下, 贷款将分两期发放:秋季学期和春季学期.

Private Education Loan Applicant Self-Certification Form: Private loan lenders are required to obtain from borrowers a signed copy of the Private Education Loan Applicant Self-Certification form. Lenders may make this form available to borrowers. 这份表格要求你提供学校的就读费用和当前的经济援助信息. Information on New College’s Cost of Attendance is available via this link: NCF出勤费用. Information on your current financial aid award can be found by logging into your myNCF应用网关 然后选择Self Service Student贴图.

信息披露形式: Private loan lenders must provide required disclosures to borrowers. 在私人贷款发放过程中，需要在三个不同的阶段披露这些信息:

Application or solicitation disclosures: The disclosures required by § 226.47(a) shall be provided on or with any application or solicitation.

Approval disclosures: The creditor shall provide the disclosures required by § 226.47(b) before consummation on or with any notice of approval provided to the consumer.

最终披露:要求的披露 § 226.47(c) shall be provided after the consumer accepts the loan in accordance with § 226.48(c)(1).

For more information on disclosures please visit: 12 CFR 226.47(a) 在联邦储备系统条例中.

A wide and growing array of alternative loan products are now in the marketplace. 网赌平台网站每年为10多个不同的替代贷款机构处理贷款. For information about how to choose a private alternative loan lender visit www.资助.org/loans/privatestudentloans.phtml.