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STUDENT AND PARENT LOANS

学生和家长贷款

Student loans are a form of financial assistance specifically designed to help students cover the costs of their college education. Unlike grants or scholarships, student loans need to be repaid with interest over a specified period of time, typically after the borrower completes their education.

Here are some key points to understand about student loans for college:

Borrower: Student loans are generally taken out by students themselves, although parents or guardians may also borrow on behalf of their dependent students. Students are considered the primary borrowers and are responsible for repaying the loan, even if a parent or guardian co-signs the loan.

Types of Student Loans: a. Federal Student Loans: These loans are offered by the government and typically have lower interest rates compared to private loans. They provide various options, including subsidized loans (based on financial need, with interest paid by the government while the student is in school), unsubsidized loans (not based on financial need, with interest accruing from the time of disbursement), and PLUS loans (for parents or graduate students). b. Private Student Loans: These loans are offered by private lenders, such as banks or credit unions. Private loans often have higher interest rates and may require a credit check or a co-signer, as they are based on the borrower’s creditworthiness.

Repayment: Student loans have a designated repayment period, which typically begins after a grace period following graduation, withdrawal from school, or dropping below half-time enrollment. The repayment term can range from several years to several decades, depending on the loan program and the repayment plan chosen.

Interest Rates: Student loans accrue interest over the repayment period. The interest rate can vary depending on the type of loan, the lender, and the borrower’s credit history. Federal loans generally have fixed interest rates, while private loans may have fixed or variable interest rates.

Repayment Plans: Various repayment plans are available for student loans, allowing borrowers to choose an option that best fits their financial situation. Common repayment plans include standard repayment (fixed monthly payments over the loan term), income-driven repayment (monthly payments based on the borrower’s income and family size), graduated repayment (initial lower payments that increase over time), and extended repayment (longer repayment period with lower monthly payments).

Loan Limits: Both federal and private student loans have borrowing limits, which vary depending on the borrower’s academic level, dependency status, and the type of loan. It’s essential to be aware of these limits to ensure responsible borrowing and manage loan obligations effectively.

Loan Forgiveness and Deferment Options: Some student loans, particularly federal loans, offer options for loan forgiveness or loan deferment. Loan forgiveness programs may be available for borrowers who work in certain public service professions or meet specific eligibility criteria. Deferment allows borrowers to temporarily postpone loan payments under certain circumstances, such as returning to school, financial hardship, or military service.

 

When considering student loans, it’s crucial to carefully review the terms and conditions, understand the total cost of borrowing (including interest), and borrow responsibly. Students are encouraged to explore grants, scholarships, and work-study opportunities before turning to student loans. It’s also advisable to research and compare different loan options, consult with financial aid offices, and seek guidance to make informed decisions about financing their college education.

学生贷款是一种特别设计用于帮助学生支付大学教育费用的经济援助形式。与助学金或奖学金不同,学生贷款需要在指定的时间段内还款,并附带利息,通常是在借款人完成教育后。

以下是关于大学学生贷款的一些关键要点:

借款人:学生贷款通常由学生自己借款,尽管父母或监护人也可能代表他们的受抚养学生借款。学生被视为主要借款人,负责偿还贷款,即使父母或监护人为贷款作共同签署。

学生贷款类型: a. 联邦学生贷款:这些贷款由政府提供,通常具有较低的利率,相比私人贷款更低。它们提供各种选项,包括助学金贷款(根据经济需求,学生在校期间利息由政府支付)、非助学金贷款(不根据经济需求,从放款起开始计息)和PLUS贷款(父母或研究生)。 b. 私人学生贷款:这些贷款由私人贷款人提供,如银行或信用合作社。私贷款通常具有较高的利率,可能需要进行信用检查或共同签署,因为它们基于借款人的信用状况。

偿还:学生贷款有指定的还款期限,通常在毕业、退学或低于半日制注册后的宽限期之后开始。偿还期限可以从几年到几十年不等,具体取决于贷款计划和选择的还款方案。

利率:学生贷款在偿还期内产生利息。利率可能因贷款类型、贷款人和借款人的信用历史而有所不同。联邦贷款通常具有固定利率,而私人贷款可能具有固定利率或浮动利率。

还款计划:学生贷款提供多种还款计划,借款人可以选择最适合自己财务状况的选项。常见的还款计划包括标准还款(贷款期限内固定月供)、收入驱动还款(按借款人的收入和家庭规模确定的月供)、分阶段还款(初始较低的还款额逐渐增加)和延长还款(更长的还款期限,月供较低)。

贷款限额:联邦和私人学生贷款都有借款限额,具体取决于借款人的学术水平、被扶养人身份和贷款类型。了解这些限额非常重要,以确保负责任地借款并有效管理贷款义务。

贷款宽限和延期选项:一些学生贷款,尤其是联邦贷款,提供贷款宽限或延期选项。贷款宽限期可能适用于在特定公共服务职业工作或符合特定资格条件的借款人。延期允许借款人在某些情况下暂时推迟还款,例如返回学校、经济困难或军事服务。

 

在考虑学生贷款时,需要仔细审查条款和条件,了解借款的总成本(包括利息),并负责任地借款。鼓励学生在转向学生贷款之前探索助学金、奖学金和勤工助学机会。此外,建议研究和比较不同的贷款选择,咨询财务援助办公室,并寻求指导,以做出关于大学教育融资的明智决策

LOAN BORROWING LIMITS

款借款限

DEPENDENT UNDERGRADUATE STUDENTS

FEDERAL LOANS:

First-year students: $5,500 (up to $3,500 in subsidized loans)

Second-year students: $6,500 (up to $4,500 in subsidized loans)

Third-year and beyond: $7,500 (up to $5,500 in subsidized loans)

COLLEGE/UNIVERSITY LOANS:

Varies

PRIVATE ALTERNATIVE EDUCATION LOANS:

Varies

PARENT PLUS (PARENT LOAN FOR UNDERGRADUATE STUDENTS) LOAN

Up to the Cost of Attendance minus all other financial aid resources

赖型本科生

联邦贷款:

大一学生:$5,500(最多$3,500贴息贷款)

大二学生:$6,500(最多$4,500贴息贷款)

大三及以上学生:$7,500(最多$5,500贴息贷款)

大学贷款:

各不相同

私人替代性教育贷款:

各不相同

PLUS(本科学生家长贷款)贷款:

最高可达到学费减去其他所有财政援助资源的费用