Direct Loans
联邦直接贷款是低息的联邦学生贷款，可以帮助你支付较高的教育费用.S. Department of Education (ED). These educational loans are required to be repaid and will go into repayment after a student graduates, withdraws from all classes, or is enrolled for less than six credits within a semester.
与联邦直接无补贴贷款相比，联邦直接补贴贷款的条款稍好一些，可以帮助你满足财务需求.
- CCC决定你可以借的金额，金额可能不会超过你的经济需要. (Not all students are eligible for a Direct Subsidized Loan.)
- The U.S. 教育部支付联邦直接补贴贷款的利息;
- 如果你每学期至少参加一半的课程(6个或更多学分)，
- 在你离开学校后的前六个月(称为宽限期)，以及
- 在延期期间(延期偿还贷款).
- 一名新生可能有资格借入最多3美元的贷款资金,500, and a sophomore student may be eligible to borrow up to $4,500 within one academic school year.
- 偿还期限从你至少休学半年后开始(休学半年指每学期六个学分以上)。.
- 贷款利率取决于贷款的首次发放日期. 直接资助贷款及直接非资助贷款于七月一日或之后首次发放, 2023, and before July 1, 2024, have a fixed interest rate of 5.50%.
- 首次贷款的借款人必须完成主本票和入学咨询，可以在美国.S. Department of Education’s website. Studentaid.gov
与直接补贴贷款不同，联邦直接无补贴贷款不以财务需求为基础.
- CCC根据你的就读费用和你收到的其他经济援助来确定你可以借款的金额.
- 在你入学期间，联邦直接无补贴贷款将产生利息.
- 如果你在上学期间选择不支付利息, during grace periods, or deferment or forbearance periods, your interest will accrue (build) and be capitalized (that is, 你的利息将被加到你的贷款本金中。.
*注: 联邦直接无补贴贷款的利息不必在上学期间支付. However, CCC鼓励借款人开始支付利息，以尽量减少完成学业时所欠的债务总额. 支付利息可以防止贷款债务膨胀到超过所借的原始本金.
- 偿还期限从你至少休学半年后开始(休学半年指每学期六个学分以上)。.
- 贷款利率取决于贷款的首次发放日期. 直接资助贷款及直接非资助贷款于七月一日或之后首次发放, 2023, and before July 1, 2024, have a fixed interest rate of 5.50%.
- 首次贷款的借款人必须完成主本票和入学咨询，可以在美国.S. Department of Education’s website. Studentaid.gov
As you begin to borrow for your educational expenses, it is important that you are aware of the loan's terms and conditions. 这些条款规定了你作为借款人的权利和责任. If you wish to borrow a Federal Direct Student Loan, 你必须填写入学贷款咨询和主本票.
Complete your Entrance Counseling
Complete Master Promissory Note
中央社区学院(CCC)的首次借款人-请注意，您的贷款将在学期开始日期后30天内支付到您的CCC账户.
以下是一个图表，提供了学生每学年有资格获得的联邦直接贷款金额的细分，以及学生可以借款的最高总额，包括最高补贴限额.
| Year | Dependent Student | Independent Student |
|---|---|---|
|
Freshman |
$5,500 of which no more than $3,500 may be subsidized |
$9,500 of which no more than $3,500 may be subsidized |
|
Sophomore |
$6,500 of which no more than $4,500 may be subsidize |
$10,500 of which no more than $4,500 may be subsidized |
|
Aggregate Undergraduate limits |
$31,000 of which no more than $23,000 may be subsidized |
$57,500 of which no more than $23,000 may be subsidized |
如果你借了学生贷款来支付你的教育费用, 如果您:CCC将通知您完成退出贷款咨询的要求:
- Are graduating from CCC,
- Have withdrawn from classes, or
- Have dropped below half-time enrollment.
退出贷款咨询的目的是帮助你做好充分的准备，了解你所借的学生贷款的偿还情况.
The U.S. 教育部通过直接贷款计划向符合条件的家长提供直接PLUS贷款. 直接PLUS贷款通常被称为父PLUS贷款，当向父借款人提供贷款时.
To receive a Parent PLUS Loan, you must
- Be the biological or adoptive parent (or in some cases, 受抚养学生的继父母每学期至少有一半时间(6个或更多学分).
- 没有不良信用记录(除非您满足某些额外要求)，并且
- 符合联邦学生援助的一般资格要求.
家长PLUS贷款的利率根据贷款的首次发放日期而有所不同. Direct PLUS Loans first disbursed on or after July 1, 2023, and before July 1, 2024, have a fixed interest rate of 8.05%.
您可以借用的最高PLUS贷款金额是CCC为您的孩子提供的出勤费用减去您的孩子在学年获得的任何其他经济援助.
家长申请人可以要求延迟付款，直到你的孩子毕业, withdraws all classes, or drops below half-time status. If the parent does not request a deferment, 一旦所有贷款资金发放完毕，贷款将开始偿还.
如果您有兴趣申请家长PLUS贷款，请联系CCC的财务援助办公室.
家长是否应该因为信用记录而被拒绝家长PLUS贷款, 学生可以申请额外的直接无补贴贷款资金.