财政援助贷款

与 直接补贴贷款 the government pays the interest while you are in school (if you are enrolled for 6 credits or more). Your eligibility is based on your financial need as determined by the 免费申请联邦学生援助(FAFSA). 

还款 begins after you graduate or stop attending six or more credit hours, some students are eligible for a grace period of six months of deferred payments.  如果你在7月1日是第一次借款者, 2013, your payments will be due as soon as your attendance drops below half-time.

与 无补贴直接贷款, the borrower, will have to pay all interest that accrues on the 贷款.  The interest begins accruing at the time of the first disbursement.  Your eligibility is not based on financial need but may be impacted by other factors determined by your FAFSA. 

还款 begins after you graduate or stop attending six or more credit hours, some students are eligible for an additional grace period of six months of deferred payment.  If you are not sure if you are eligible it is best to follow up with your servicer.

高等教育私人学生贷款

私人学生贷款 are not a Title IV (联邦 Student Aid) program.  Private Loans are credit-based 贷款s offered to students by banks and other lending institutions to cover the costs of attending college.  These 贷款s are typically requested by students who may not meet general federal student aid eligibility criteria such as, standards of academic progress or that do not intend to complete a certificate or degree program. They often have variable interest rates that exceed the fixed interest rate of 联邦直接贷款. Students who do not have a co-signer will likely need to be employed and are subject to credit approval. Private 贷款s do not always provide deferment periods and often have a shorter repayment term.

皮马社区学院 does not participate in a preferred 贷款 program with any lending institution.  Students are free to choose the lender that works best with their circumstances.  We cannot guide borrowers to any specific lender or delay a 贷款 certification based on the lender a student has chosen. The college also does not guarantee a private student 贷款 will be processed as some of the lender requirements will not align with our internal policies and procedures. 

elmselect

An option that you can use to review and compare private 银行 is elmselect. Elmselect既不是贷款人，也不是银行, it is an online tool that allows students to compare private 贷款s for your school and your degree.  找到符合你需要的贷款利率和条款. Providing the most lender options with this free service and no registration.   

注意: 皮马社区学院 does not endorse any of the 银行 included at the links above and cannot recommend specific 银行.  Students may also choose to use a 贷款 provider that does not appear in the list of 银行 included at either of the links above.

在大多数情况下， 联邦直接贷款 提供更好的利率和还款条件. Please be sure to inform yourself of all your borrowing options before making a decision.  你必须完成皮马社区学院的星际官方赌钱 私人学生贷款申请表 and receive credit approval from the lender as soon as possible to ensure that your 贷款 is certified and disbursed in a timely fashion.   

阅读《星际官方赌钱》:

• 《星际官方赌钱》(联邦贸易委员会)  

直系家长PLUS贷款 are credit-based 贷款s that are offered to the parent and/or legal stepparent of the student in order to cover the remaining costs of attending college. These 贷款s have a fixed interest rate and repayment starts within 60 days of the final 贷款 disbursement. 阅读和 申请Plus贷款 然后完成我们的 本科PLUS申请.