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Student Financial Services

贷款

学生贷款是向本科,研究生和/或专业学生提供的资金,以帮助支付教育费用。贷款被认为是自助财政援助,必须偿还。

为了考虑贷款,学生必须完成Free Application for Federal Student Aid (FAFSA)

The following loan programs are available to students based on program enrollment, dependency status and eligibility:

Uthealth
联邦贷款
Institutional Loans

UTMDACC
联邦贷款

如果他/她违约
FSA贷款欠FSA赠款或贷款的支付,尚未为
默认或多付。此外,如果他/她的财产受到判决,则学生没有资格获得FSA
留置权欠美国的债务。A parent of a dependent student is ineligible for a PLUS loan if either
学生或父母受到这样的留置权。


联邦贷款

威廉·福特联邦直接补贴贷款(直接补贴)

直接补贴贷款是教育部提供的可选贷款。这些贷款可用于大学本科展示的学生财务需求as determined by the Department of Education. Direct Subsidized Loans assist with educational expenses but may not exceed financial need. The student is responsible for repaying the loan.

The interest rate for Direct Subsidized loans firstdisbursed on or after July 1, 2021, and before July 1, 2022is 3.73%. No interest is charged while a student is enrolled at least half-time in an eligible school, for the first six months after leaving school (referred to as a宽限期*)和延期期。利率固定在贷款寿命上。

*Students receiving a Direct Subsidized Loan that is first disbursed between July 1, 2012 and July 1, 2014, will be responsible for paying any interest that accrues during the grace period. Any unpaid interest that accrues during the grade period will be added to the principal balance.

150% Direct Subsidized Loan Limit

2012年7月,国会颁布了前进的进步英石世纪法(MAP-21)[公共法112-141]。该法律为直接贷款法定要求添加了新规定,该规定限制了首次借款人有资格直接补贴贷款的资格,而不超过借款人教育计划的150%。

Pursuant to this new provision under certain conditions, first-time borrowers who have exceeded the 150% limit will lose the interest subsidy on their Direct Subsidized Loans.

仅在2013年7月1日或之后的首次借款人才能遵守新规定。首次借款人通常被定义为2013年7月1日直接或FFEL计划贷款的本金或利息的未偿余额。

William D.福特联邦直接无补贴贷款(直接无补贴)

直接无补贴的贷款是教育部提供的可选贷款。这些贷款都可以大学本科毕业英石udents and arenotbased on financial need as determined by the Department of Education. The student is responsible for repaying the loan.

在各个时期内收取利息;即使在一所符合条件的学校,在恩典和延期期间,学生至少要入学。直接无补贴贷款的利率首先disbursed on or after July 1, 2021, and before July 1, 2022is as follows:

  • Undergraduate 3.73%
  • 研究生5.28%

利率固定在贷款寿命上。

直接补贴/无补贴贷款的资格要求:

  • 必须在参加直接贷款计划的学校中至少将一半的学位课程入学
  • 必须是美国公民或符合条件的非公民
  • 不得违约任何联邦教育贷款或欠联邦教育补助金的付款
  • 如果他/她违约FSA贷款欠FSA赠款或贷款的支付,尚未为默认或多付。此外,如果他/她的财产受到判决,则学生没有资格获得FSA留置权欠美国的债务

申请直接补贴和/或无补贴的贷款:

威廉·D·福特联邦直接加贷款(Parent PLUS) - Dependent Students

父母加贷款是为受抚养学生的父母提供兴趣的贷款,他们在合格的学校中至少参加了一项学位课程。这项贷款协助教育费用,直到学生的出勤成本减去所有其他帮助。父母负责偿还贷款。

父母加贷款的利率首先disbursed on or after July 1, 2021, and before July 1, 2022is 6.28%. Interest is charged during all periods beginning on the date of the loan’s first disbursement. Interest rates are fixed for the life of the loan.

Additionally, applicants pay a loan origination fee which is a percentage of the principal amount of each Parent PLUS Loan received.

父母已申请但无法获得父母加贷款的受抚养学生通常有资格获得额外的直接未补贴贷款资金。

除非另有说明,否则父母加上贷款将均匀地支付当前裁决期限的条款。

一旦贷款完全支付,父母加贷款将进入还款。借款人可以由于以下原因与贷款服务商联系以要求延期:

While the borrower /borrower’s dependent is enrolled in school at least half-time

For an additional six months after the borrower’s dependent ceases to be enrolled in school at least half-time

延期期间,父母加上贷款的利息将产生。借款人可以选择支付应计利息或允许在延期期结束时资本化利息。贷款服务商将在第一次贷款付款时通知借款人。

Eligibility requirements for the Direct Parent PLUS Loan:

  • The parent must be the student’s biological, adoptive or stepparent (if the parent has remarried at the time of application)
  • 父母和受抚养子女必须是美国公民或符合条件的非公民
  • 受抚养子女必须至少在参加直接贷款计划的学校的学位课程中注册一半
  • 父母加贷款借款人不能有不良信用记录。教育部将获得信用报告。在信用检查时发现有不良信用记录的申请人仍可能申请父母加贷款,并与批准的认可者一起申请
  • 父母不得违约任何联邦教育贷款或欠联邦教育补助金的付款
  • 如果学生或父母对欠美国的债务有判决留置权,则受抚养学生的父母没有资格获得加号贷款。

申请父母加贷款:

  • 完成Free Application for Federal Student Aid (FAFSA)
  • 父母应完成教育部加上贷款流程,如下:
    • Log in toStudentAid.gov使用他们的FSA ID在申请父母加贷款时,父母应将其全部法律用作信用报告,以确定贷款资格
    • 选择父借款人选项卡
    • 单击“申请加贷款”,然后遵循申请说明
      • 如果获得批准,请完成加上贷款大师期票(MPN)
      • If you are approved with an endorser or through the appeal process, you must complete加上贷款咨询
      • 如果被拒绝,该学生可能有资格获得联邦直接无补贴的贷款。要申请未抚养的贷款,学生必须提交学生金融服务办公室:
        • 教育部的父母拒绝信/电子邮件的副本
        • 学生的签名信,要求提供额外的未补贴援助。

The MPN and Counseling will be electronically transmitted to the school.

PLUS Loan awards will be accepted on behalf of the student/parent by the Office of Student Financial Services upon receipt of all completed documentation.

联邦直接加贷款(研究生加) - 研究生/专业学生

研究生加贷款是毕业/专业学生的利息贷款,至少在合格的学校参加学位课程的一半时间。这项贷款协助教育费用,直到学生的出勤成本减去所有其他帮助。学生负责偿还贷款。

The interest rate for Graduate PLUS loans firstdisbursed on or after July 1, 2021, and before July 1, 2022is 6.28%. Interest is charged during all periods beginning on the date of the loan’s first disbursement. Interest rates are fixed for the life of the loan.

Additionally, borrowers pay a loan origination fee which is a percentage of the principal amount of each Graduate PLUS loan received.

除非另有说明,否则研究生加贷款将在当前裁决期间的入学条款上均匀支付。

The Graduate PLUS loan enters repayment once the loan is fully disbursed. Borrowers may contact the loan servicer to request a deferment for the following reasons:

  • 而借款人至少上学了一半
  • 借款人停止入学后的六个月,至少一半

在延期期间,研究生加贷款的利息将产生。借款人可以选择支付应计利息或允许在延期期结束时资本化利息。贷款服务商将在第一次贷款付款时通知借款人。

研究生加贷款的资格要求:

  • 必须是美国公民或符合条件的非公民
  • 必须在参加直接贷款计划的学校中至少将一半的人参加研究生/专业学位课程
  • 研究生+贷款借款人不能有不良credit history. A credit report will be obtained by the Department of Education. Applicants who are found to have adverse credit history at the time of the credit check may still apply for a Graduate PLUS loan with an approved endorser
  • 不得违约任何联邦教育贷款或欠联邦教育补助金的付款
  • 如果学生/她/她违约,学生不符合机构,州和联邦学生援助(FSA)资金,那么他/她欠FSA赠款或贷款的支付,并且没有为违约或付款付款。此外,如果他/她的财产对欠美国的债务有判决留置权,则学生不符合FSA的资格。

To apply for the Graduate PLUS Loan:

The MPN and Counseling will be electronically transmitted to the school.

另外,在收到所有完成的文件后,学生金融服务办公室将代表学生接受贷款奖励。

联邦直接贷款费

借款人支付所有直接补贴,未补贴和加上贷款的贷款发起费。贷款费将按每次贷款支付按比例扣除。

联邦直接贷款费用如下:

贷款计划

首次在2019年10月1日或之后和2020年10月1日之前支付的贷款费用

Fees for loans first disbursed on or after October 1, 2020 and before October 1, 2022

Direct Stafford Loan

(补贴且无补贴)

1.059%

1.057%

直接加贷款

(Parent & Grad/Prof Student)

4.236%

4.228%

联邦直接贷款利率和公式

联邦直接贷款的利率由国会设定,并基于使用91天国库账单的同等利率加上法定附加额度的公式。计算出的利率由最大利率上限。

下图提供了直接补贴,未补贴和加上贷款的利率:

Fixed Rate Direct Loans

借款人

贷款计划

首先在7/1/20和7/1/21之前或之后支付的贷款

贷款首先在21/7/1之后或7/1/22之前支付

未毕业的学生

Subsidized

&无补充

2。75%

3.73%

Graduate or Professional Students*

未补充

4.30%

5.28%

父母和研究生或专业学生

PLUS Loan

5。30%

6.28%

*根据2011年的《预算控制法》:从2012年7月1日开始或之后,研究生和专业学生没有资格获得直接补贴贷款

每月累积的利息额取决于简单的每日利息公式。该公式包括将您的贷款余额乘以自上次付款以来利率因子以来的天数。


联邦直接贷款限额

学校使用来自学生的更进一步的信息SA to determine the type of loan(s) and actual loan amount a student qualifies for based on a student’s financial need, dependency status and grade level. There are limits on the amount of Direct Subsidized and Unsubsidized loans a student may be eligible to receive each academic year (annual loan limits) and the total amounts a student may borrow for both undergraduate and graduate study (aggregate loan limits).

The following chart outlines the annual and aggregate limits for Direct Subsidized and Unsubsidized loans:

直接斯塔福德贷款限额

未毕业的学生

研究生

依赖

Independent²

1英石

Annual Limit

$5,500 ($3,500)³

$9,500 ($3,500)

$ 20,500($ 8,500)4

每年

2nd

Annual Limit

$ 6,500($ 4,500)

$10,500 ($4,500)

3

Annual Limit

$ 7,500($ 5,500)

$ 12,500($ 5,500)

总计的

$ 31,000($ 23,000)

$57,500 ($23,000)

$ 138,5005($65,500)

1除了父母无法借用加号的人
2这些限制还适用于父母无法借用加号贷款的受抚养学生
3括号中的数字代表可补贴的最大数量
4从2012年7月1日开始或之后,研究生和专业学生没有资格获得直接补贴贷款
5The aggregate amounts for graduate students include loans for undergraduate study. The aggregate limits include both Direct Subsidized and Unsubsidized Loans and any subsidized and unsubsidized Stafford Loans received through the Federal Family Education Loan (FFEL) Program.

Graduate and professional students enrolled in certain health profession programs may qualify for additional Direct Unsubsidized Loan amounts each academic year. Please contact the学生金融服务办公室有关健康专业学生的年度和总限制的更多信息。

Health Profession Student Loan (HPSL)

卫生专业学生贷款计划为参加牙科医生(DDS)计划的全日制学生提供长期,低利率贷款。与其他联邦学生贷款和私人贷款相比,这笔贷款可节省大量资金。

利率为5%,在借款人不再成为全日制学生之后的一年宽限期之后开始积累。

贷款在借款人的同时推迟了本金和利息:

  1. 担任美国统一服务成员的现役,长达三年;
  2. Serves as a volunteer under the Peace Corps Act, for up to three years;
  3. 接受高级专业培训,包括实习和居住;
  4. Pursues a full-time course of study at a health professions school eligible for participation in the HPSL program;
  5. Leaves the institution, with the intent to return to the institution as a full-time student, to engage in a full-time educational activity which is directly related to the health profession for which the borrower is preparing, as determined by the Secretary of Health and Human Services (the Secretary), for up to two years; and participates in a fellowship training program or a full-time educational activity which is directly related to the health profession for which the borrower prepared at the institution, and is engaged in by the borrower within 12 months after completion of the borrower’s participation in advanced professional training described in (C) above or prior to the completion of the borrower’s participation in such training, for up to two years

HPSL的资格要求:

  • 必须作为全日制学生参加学位课程,导致牙科手术医生(DDS)
  • 必须是美国或哥伦比亚特区的公民,国民或合法的永久居民,波多黎各的英联邦或玛丽安娜群岛,维尔京群岛,关岛,美国萨摩亚,太平洋岛屿的信托领土,即帕劳共和国,马歇尔群岛共和国和密克罗尼西亚联邦州
  • 必须证明财务需求
  • 不得欠联邦赠款退款或违约任何联邦贷款
  • Must maintain good academic standing
  • 如果法律需要,必须注册选择性服务
  • Must provide parental personal data and2018关于FAFSA的税收信息,并将其提交给FAFSA进行处理

申请HPSL:

选项1(首选方法)
使用IRS Data Retrieval Tool(IRS DRT)这是网络上FAFSA的一部分。

选项2:
提供父母2018IRS Tax Return Transcript
订购Tax Return Transcript或致电1-800-908-9946。


贷款for Disadvantaged Students (LDS)

The Loans for Disadvantaged Students program is a federal loan made available by the Department of Health and Human Services. This loan program provides long term, low interest rate loans to full-time, financially needy students from disadvantaged backgrounds enrolled in the Doctor of Medicine (MD) or Doctor of Dental Surgery (DDS) program. When compared to other federal student loans and private loans, the Loans for Disadvantaged Students provide a significant savings.

利率为5%,在您停止成为全日制学生的一年宽限期之后,开始积累。

贷款在借款人的同时推迟了本金和利息:

  1. 担任美国统一服务成员的现役,长达三年;
  2. Serves as a volunteer under the Peace Corps Act, for up to three years;
  3. 接受高级专业培训,包括实习和居住;
  4. 在符合参加卫生专业学生贷款计划的卫生专业学校的全日制学习课程;
  5. 离开该机构,目的是返回该机构,成为一名全日制学生,从事一项全职教育活动,该活动与借款人正在准备的健康专业直接相关,由卫生部长确定和人类服务(秘书),长达两年;和
  6. Participates in a fellowship training program or a full-time educational activity which is directly related to the health profession for which the borrower prepared at the institution, and is engaged in by the borrower within 12 months after completion of the borrower’s participation in advanced professional training described in (C) above or prior to the completion of the borrower’s participation in such training, for up to two years

处境不利的学生准则:

//www.tjghsg.com/sfs/financial-aid/disadvantaged-student-guidelines.htm

To apply for the LDS:

选项1(首选方法)
使用IRS Data Retrieval Tool(IRS DRT)这是网络上FAFSA的一部分。

选项2:
提供父母2019 IRS纳税申报笔记本记录
订购Tax Return Transcript或致电1-800-908-9946。

护士教师贷款计划(NFLP)

The Nurse Faculty Loan Program is a non-need based loan for students enrolled in the Doctoral Nursing curriculum. The loan carries a 3% fixed interest rate. If the student fails to complete the course of study or establish full-time employment as faculty following graduation from the program, the loan will bear interest on the unpaid balance at the prevailing market rate. Prevailing market rate is determined by the Treasury Department and is published quarterly in the Federal Register.

NFLP贷款的资格要求:

  • 必须是美国公民或符合条件的非公民
  • 必须全职或兼职参加合格的护理博士学位课程,该课程提供教育部分,以准备合格的护士教师
  • Must must maintain enrollment for a minimum of two consecutive terms during an academic year while receiving NFLP
  • Must be meeting Satisfactory Academic Progress (SAP)
  • 不得违约任何其他联邦债务

申请NFLP贷款:

学生必须完成Free Application for Federal Student Aid (FAFSA)要考虑这笔贷款。

还款信息:

  • 宽限期是毕业后9个月
  • 该计划毕业后,在护理学院的全职护士教师没有建立就业的NFLP借款人必须在9个月宽限期之后开始还款NFLP贷款
  • 如果随时全部支付NFLP,则不会施加罚款
  • 无法将多个学校的NFLP总额合并为偿还目的外围beplay


联邦学生贷款申诉专员

While students are encouraged to resolve disagreements regarding federal student loan issues with the loan servicer, there are some instances when a neutral third party is necessary to seek a fair and equitable solution. In such cases, students may contact theFederal Student Aid Ombudsman Groupto help resolve disputes and mediate federal loan program related conflicts.

Online

电话

Fax

邮件

Federal Student Aid Ombudsman Group

1(877)557-2575

(606)396-4821

FSA Ombudsman Group

P.O.框1843

肯塔基州蒙蒂塞洛42633


INSTITUTIONAL LOANS

美国医学协会教育研究基金会贷款(AMA)beplay苹果手机能用吗

The American Medical Association-Educational Research Foundation Loan is a 5% interest loan for students pursing a Doctor of Medicine (MD) degree. The award is based on a student's financial need.

AMA贷款的资格要求:

  • 成为德克萨斯州的居民和美国公民或符合条件的非公民
  • Must be in good standing and making satisfactory progress
  • 必须是一名专职医学生

申请AMA贷款:

学生必须完成Free Application for Federal Student Aid (FAFSA)要考虑这笔贷款。

Repayment information:

  • 还款期最大为十年
  • 还款期开始于毕业后九个月或借款人停止在机构进行全日制学习课程
  • 利息应从还款期开始就产生
  • 借款人可以随时预付全部或任何一部分,而无需罚款
  • 在某些情况下可以授予延期。联系学生金融服务办公室for more information.

Ella Kate Wallace Ralston Loan(Ralston)

埃拉·凯特(Ella Kate)和华莱士·拉尔斯顿(Wallace Ralston)护理学生贷款是由学生金融服务办公室为医学博士(MD)或护理计划的学生管理的机构贷款基金。该贷款的利率为7.5%,并根据学生的财务需求授予。

Ralston贷款的资格要求:

  • 必须是德克萨斯州的居民和美国公民或符合条件的非公民
  • Must be in good standing and making satisfactory progress
  • 必须是一名医学生或在护理学校至少入学

申请拉尔斯顿贷款:

学生必须完成Free Application for Federal Student Aid (FAFSA)要考虑这笔贷款。

Repayment information:

  • 还款项毕业后三个月开始参加护理课程的学生,为参加医学博士学位(MD)计划的学生的12个月开始。
  • If the student fails to complete their medical or nursing training, the loan becomes immediately due and payable
  • Interest accrues from the beginning of the repayment period
  • 最大还款期是十年
  • 借款人可以随时随地预付本金的全部或任何部分,而无需罚款。

Ellwood Foundation Loan (Ellwood)

Ellwood基金会贷款由学生金融服务办公室管理,并授予攻读医学博士学位(MD)学位的学生。Ellwood基金会贷款的利率为5%(5%)。奖项基于学生的财务需求。

Ellwood贷款的资格要求:

    s
  • Must be enrolled as a full-time medical student
  • 必须是美国公民或符合条件的非公民
  • Must be in good standing and making satisfactory progress

申请Ellwood贷款:

学生必须完成Free Application for Federal Student Aid (FAFSA)要考虑这笔贷款。

Repayment information:

  • The repayment period begins one year after graduation or separation
  • 还款期最大为十年
  • 借款人可以随时预付本金的全部或任何部分,而无需罚款。

罗伯特·伍德·约翰逊贷款(RW Johnson)

罗伯特·伍德·约翰逊(Robert Wood Johnson)的学生贷款是授予医学博士(MD)或牙科外科医生(DDS)学生的3%利息贷款。授予这笔贷款是基于学生的财务需求。资金是机构的,由学生金融服务办公室管理。

RW Johnson贷款的资格要求:

  • 必须是农村背景的女学生
  • 必须是美国公民
  • Must be in good standing and making satisfactory progress
  • 必须作为医学或牙科学生注册

申请RW Johnson贷款:

学生必须完成Free Application for Federal Student Aid (FAFSA)要考虑这笔贷款。

Repayment information:

  • The repayment period begins one year after graduation or separation
  • Repayment period is a maximum of 10 years
  • Interest accrues from the beginning of the repayment period
  • 借款人may prepay all or any part of principal and accrued interest at any time without penalty
  • 在某些情况下可以授予延期。联系学生金融服务办公室for more information.

有关联邦或机构贷款计划的更多信息,请联系学生金融服务办公室

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