贷款

To be eligible students must complete a FAFSA, be admitted to a degree program, and must be registered on at least a half-time basis.

联邦直接贷款

The Unsubsidized Direct Loan is awarded to graduate students up to $20,500 per year. Interest on an Unsubsidized Loan is not paid by the federal 政府ernment at any time. Please see items to complete to fund these loans 在这里

教师资格证

The subsidized Direct Loan is awarded on the basis of financial need up to $5,500 per year for graduate students. 学生 awarded a Subsidized Loan are not charged interest when enrolled at least half-time.

Independent teaching credential students may borrow up to $12,500 of which no more than $5,500 may be a Subsidized Loan. Interest in an Unsubsidized Loan is not paid by the federal 政府ernment at any time.

毕业生贷款

The 毕业生贷款 is available to all graduate students. The 毕业生贷款 is available to students who are enrolled at least half-time in a graduate degree program. You must use all of your 联邦直接贷款 eligibility before receiving the PLUS Loan and must meet federal credit eligibility requirements. Eligible graduate students can borrow the difference between their educational costs and any financial assistance being received at a fixed interest rate of 5.30%. 申请请到 www.热门产品.政府 and sign in with your FAFSA PIN to begin the process.

私人/替代贷款

Private loans are another option to help bridge the gap between the actual cost of your education and the federal student loans. Private loans are offered by private lenders and eligibility often depends on the borrower's credit score. To view a list of private loans that have been selected by Saint Mary's College students, go to www.elmselect.com. The loan programs displayed on this website are for informational purposes only. Borrowers are free to choose any participating lender.

Private loans often carry higher interest rates and fees than federal loans. 学生 considering student loans need to be aware of the differences between federal student loans and private student loans.

Private student loan lenders can offer variable interest rates that can increase or decrease over time, depending on market conditions. The interest rate on a private student loan may depend on the borrower's and/or co-signer's credit rating. Private student loans have a range of interest rates and fees and students should determine the interest rate of, and any fees associated with, the private student loan before accepting the loan.

相比, 联邦直接贷款s are required by law the provide a range of flexible repayment options including, 但不限于, income-based and income-contingent repayment plans as well as loan forgiveness benefits that private lenders are not required to provide. 联邦直接贷款s are available to most students regardless of income.

计算还款

To assist you in calculating an estimated loan payment visit the National Student Loan Data System (NSLDS) to view your loan history. After retrieving your total outstanding loans go to 联邦学生资助 and calculate your estiamted repayment.