贷款
If you’re looking for additional ways to pay for college or supplement other types 在经济援助方面，探索学生贷款的选择. 虽然大学贷款必须偿还， they generally have long-term repayment schedules, offer low interest rates and often 是否有延期付款的规定.
学生贷款的种类
There are a variety of federal loans and other types of student loan option available. Before you take out a college loan, be sure to understand the specific conditions and requirements regarding disbursements, deferments and repayment options.
When you accept federal loans your information is transmitted to the National Student Loan Data System (NSLDS), and your information will be accessible by guarantee agencies, lenders, and institutions determined to be authorized users of the data system.
The subsidized loan is a need-based loan for undergraduate students provided by the U.S. 教育部. 这笔贷款的利息在你逗留期间不产生 are enrolled in school at least half time (6 credits) and during your six-month grace 期. Eligibility for the subsidized loan is determined based on your FAFSA application.
The unsubsidized loan is available for all eligible undergraduate and graduate students. 这项贷款的资格由FAFSA决定. 这笔贷款会产生利息 从付款之日起记帐. 利息和本金的支付 are not required during 期s of half-time enrollment and during your six-month 宽限期.
The PLUS loan is a credit-based loan available to graduate students or parents of 依赖学生. The eligibility for this loan is determined by the FAFSA and by 收到的经济援助的数额. 您可以获得的最高PLUS贷款金额 is the cost of attendance minus any other 金融援助 received.
私人贷款 are credit-based loans available through the state agency or private 银行. We encourage you to accept federal student loans before applying for Private 贷款. Be sure to review the terms and conditions for all loans before accepting. Examples of 私人贷款 include Alaska student loans, Sallie Mae student loans and 富国银行贷款.
如何申请贷款
To apply for student loans (as well as other federal student aid, such as grants and work study) you need to complete the Free Application for Federal Student 援助(FAFSA). The FAFSA is used to calculate your Estimated Family Contribution (EFC) — the amount that a family can reasonably afford to pay each year for higher education.
Most people fill out the FAFSA when they're beginning the college application process. You’ll need to submit a new FAFSA application for each year that you intend to receive 金融援助. The FAFSA should be completed as soon as possible after October 1. The earlier you file, the more grant money you are likely to receive, sometimes up 到两倍. Filing early also helps to ensure you don't miss FAFSA deadlines for state and college aid, which may differ from the federal deadline.
填写FAFSA表格
Federal Work-Study is available to students who show financial need and indicate interest in programs other than grants when filling out the Free Application for Federal Student 援助(FAFSA). 填写并提交FAFSA 联邦学生援助网站.
申请贷款
Once you complete and submit your FAFSA, you’ll need to accept your loan offers and 承认你承诺偿还贷款.
还款政策和违约率
Federal, state and alternative loans are funds that are borrowed and must be repaid 包括利息和费用. All students borrowing federal student loans, which include Direct Stafford 贷款 and PLUS loans, must complete Entrance Counseling at studentaid.政府 在首次付款之前. A Master Promissory Note must also be completed before 收到贷款的第一笔付款. 对该期票的有效确认 每年须缴交注. Upon graduation or the end of enrollment, students borrowing federal student loans must complete Exit Counseling at studentaid.政府.
The UAF 财政援助办事处 monitors counseling and promissory notes. 买球app收到 daily reports and link status to your student account. 可以查看学生状态 在UAOnline. Students ceasing enrollment will receive email communication regarding 学期末的离职咨询.
联邦学生贷款
获得联邦贷款的学生人数= 1,267
发放贷款金额= $8,588,461
平均贷款额= $6,779
2019年UAF的3年期队列违约率为2%.7%. [2019年违约率公布 in 2022. 2020年的违约率将于2023年公布.]
An individual defaults on a Federal Direct Stafford student loan when a payment is 270天内没有. 阅读更多关于联邦学生贷款违约的信息.
A cohort default rate is the percentage of a school’s borrowers who enter repayment on certain federal loan programs during a federal fiscal year (October 1 to September 30) and default prior to the end of the third fiscal year.
UAF monitors delinquency and default status with the assistance of student loan servicers.