联邦直接贷款 

Federal Direct loans are available to both undergraduate and graduate students. Students who have completed one bachelor’s degree and are 报名参加 second bachelor’s degree may also apply for loan assistance.  

的re are two types of Federal Direct loans awarded by the federal 政府ernment, each differing in amounts given and requirements for repayment. 要获得贷款资格，学生必须: 

  • be 注册入学 在新利体育luck18 
  • 报名参加 至少六(6)学分 to qualify for federal Direct Stafford Loan assistance. 

直接资助贷款 amounts are based on grade level, dependency status, and financial need. Qualifying students will not have to pay interest on subsidized loans while enrolled. 

无补贴直接贷款 amounts are available to otherwise eligible students who do not qualify for the interest subsidy. Students have the option to pay the interest while enrolled or to have it capitalized.  

联邦直接贷款金额和限额

美国.S. 教育部 under the Higher Education Act has determined the maximum allowable loan amounts for borrowers. 

受抚养本科生限额

For traditional undergraduate students who qualify for federal loans. 

学分/等级 

 

补贴  

未受资助的  

总计 

一年级学生(0-29学分) 

$3,500 

$2,000 

$5,500 

Second-year students (30-59 credits completed) 

$4,500 

$2,000 

$6,500 

Third- and fourth-year students (60+ credits completed) 

$5,500 

$2,000 

$7,500 

独立学生限额

For independent undergraduate students or dependent undergraduate students whose parents have been denied PLUS loans. 

学分/等级 

补贴 

未受资助的  

总计 

一年级学生(0-29学分) 

$3,500 

$6,000 

$9,500 

Second-year students (30-59 credits completed) 

$4,500 

$6,000 

$7,500 

Third- and fourth-year students (60+ credits completed) 

$5,500 

$7,000 

$12,500 

研究生和专业学生

For students pursuing graduate and/or professional degree programs. 

学分/等级 

补贴 

未受资助的  

总计 

研究生 

N/A 

$20,500 

$20,500 

 

直接贷款利率

Interest rates for Direct loans are first disbursed on or after July 1, 2023, 七月一日之前, 2024. 请访问学生援助中心.Gov网站了解更多关于利率的信息. 

贷款类型 

借款人类型 

固定利率 

直接补贴 

本科 

5.50% 

直接补贴的 

本科 

5.50% 

直接补贴的 

研究生或专业 

7.05% 

直接加  

Parents and graduate or professional students 

8.05% 

获得联邦贷款 

申请联邦直接贷款, please complete the Free Application for Federal Student Aid (FAFSA) at studentaid.政府. All eligible students are offered a Federal Direct loan. If you want to reduce or decline your loan entirely, please email the Office of 金融援助 at finaid@trinityelectric.net, noting “Cancel/Reduce My Loan” in the subject line and providing your King’s College Student ID, 姓和名, and instructions to reduce or adjust your loan in the body of the email. Students can also decline/reduce their loan(s) through the Student 自助服务 Portal, 在经济援助/我的奖励下. 

Complete the Master Promissory Note (MPN) and Loan Counseling

的 Office of 金融援助 will originate your loan electronically with the U.S. 教育部.  If this is your first Direct Loan, you must visit studentaid.政府将完成 入学贷款咨询 然后签个字 直接贷款主本票(MPN). 

收到贷款资金

After you have completed 入学贷款咨询 and signed the MPN, 您的贷款将安排支付. 如果你的贷款是整个学年的, your loan will be disbursed in two equal 支付: one at the beginning of the fall semester and one at the beginning of the spring semester. Your loan funds will be applied to outstanding charges you owe the College for the semester, 在你的费用全部付清之后, a refund of any excess loan proceeds will be disbursed to you by check. 

的 National Student Loan Data System (NSLDS) is the U.S. 教育部's centralized resource for information about all federal student loans that you have borrowed. You can find information about all of your current and prior student loans, even those you may have borrowed at a prior college. 

夏天的贷款 

For loans used over the summer, you must submit a Loan Request Form to the Office of 金融援助. 贷款申请表格可在网上获得. Completed loan requests are to be submitted to the Office of 金融援助 indicating the loan terms and loan amount you want to borrow. You will be notified using your King’s College e-mail when the College has certified your loan. 

Student loan money can be used to cover tuition, fees, housing costs, books, and supplies. If the amount of loan funds received by the College is more than your outstanding charges, 信用余额将退还给您. 

解决贷款纠纷和问题

的 联邦学生援助申诉专员小组 是由美国创建的.S. 教育部 to help student loan borrowers resolve loan disputes and problems, such as those with loan balances and payments, 支付, 还款方式, 和更多的. Please visit the FSA Ombudsman Group webpage for more information. 

联邦直接贷款偿还

如果你申请了联邦直接贷款, you will enter re-payment six (6) months after separating from school (i.e.(毕业或退学) or after enrolling for less than six (6) credits. 一旦分离，借款人必须 complete exit counseling online at studentaid.政府. Upon entering repayment, the student pays both interest and principal. 如欲了解更多，请参考 助学贷款中有用的还款资源.政府.  

有当前贷款的归国学生

Students who are currently repaying prior student loans may apply to their loan servicer for an in-school deferment. Please contact your servicer for the necessary paperwork. 您可以在此查看贷款服务机构的信息 National Student Loan Data System for Students. You will need your FSA ID to access your information. In-school deferment forms should be submitted to the college 注册商 for verification of enrollment. 

联邦直接贷款加贷款

美国政府也提供了援助.S. 教育部门, PLUS Loans are used by credit-worthy parents of undergraduate dependent students—or graduate or professional students enrolled at least half time—to supplement student borrowing. 的 maximum amount borrowed equals the cost of attendance less all sources of financial aid. 

2022-23年的利率固定在7%.54%. Repayment can be deferred while the student is enrolled at least half time. 如欲申请PLUS贷款或了解更多详情， please visit the PLUS Loans page of studentaid.政府.