贷款

联邦

直接补贴

(无需信用审查)

6.53%的固定

• 仅限本科生

• (即

• Must be enrolled at least half-time status (6 or more credit hours) 和 in degree seeking program

• 根据学校的年级限制

• 1.057%费用发放时扣除
• Repayment deferred, no interest while enrolled at least half-time
• 感兴趣 accrues during 6-month grace period before repayment begins
• 有限延期条款

• Automatic consideration for this when you file the FAFSA

• Must sign Master Promissory Note 和 complete Entrance Counseling to receive funds. 去 StudentAid.政府.

联邦

直接补贴的

(无需信用审查)

6.53%固定 本科在读 学生

8.08%固定 研究生 学生

• 本科 & 研究生

  
  

• Must be enrolled at least half-time (6 or more credit hours) 和 in degree seeking program

  
  

• 根据学校的年级限制.

• 感兴趣 accrues after disbursement 和 is capitalized upon repayment. 感兴趣 payments may be made while in school to lower overall payments once loan enters repayment.

• Repayment of principal deferred if enrolled at least ½ time (at least six credit hrs)

• 其他有限延期规定

• 1.在支付时扣除0.57%的发起费用

• You are automatically considered for this when you file the FAFSA

  
  

• Unsub loan will appear in your financial aid award package in my.SMU

  
  

• 接受我的贷款.SMU

  
  

• Sign Master Promissory Note 和 complete Entrance Counseling to receive funds. 去 StudentAid.政府.

 基于信用的贷款选择

(The following loans require an additional application for credit approval.  请参阅下面的应用说明)

联邦

直系家长PLUS

(Requires additional application for credit approval)

9.08%的固定

• Non-need基础

• 家长代表学生借款

• May borrow up to cost of attendance (COA) minus other aid

• Student must be enrolled at least half-time (6 or more credit hours) in degree seeking program.

• 贷款支付时利息开始增加.

• Repayment of principal 和 interest begins after the loan is fully disbursed.

• 有限延期条款

• 4.在付款时扣除228%的发起费

• 学生必须完成 FAFSA

• 接受我的“额外贷款资格”.SMU.
• Parent must submit PLUS 贷款 application for immediate credit decision thru StudentAid.政府
• Parent must sign Master Promissory Note to receive funds.

(父母必须去 StudentAid.政府 提交信贷审批申请. Those who apply with a credit-worthy endorser or negative credit appeal a decision must complete credit counseling)

联邦

直接毕业生PLUS

(Requires additional application for credit approval)

9.08%的固定

• Non-need基础
• May borrow up to cost of attendance minus other aid
• Student must be enrolled at least half-time in a degree-seeking program (at least six credit hours per term)

• 贷款支付时利息开始增加.

• Repayment of principal 和 interest begins after the loan is fully disbursed.

• 有限延期条款

• 4.在付款时扣除228%的发起费

• 学生必须完成 FAFSA

• After receiving the award notification, student must  accept the "additional loan eligibility" in my.SMU.
• Student must submit GRADPLUS 贷款 application for immediate credit decision thru StudentAid.政府
• Student must sign Master Promissory Note to receive funds.

(学生必须去 StudentAid.政府 提交信贷审批申请. Those who apply with a credit-worthy endorser or receive a negative credit appeal decision must complete credit counseling)

大学入学贷款- CAL

(Requires additional application for credit approval)

6.30%

• 本科 & 研究生
• 经核实的德州居民
• Must be enrolled at least ½ time in degree seeking program
• 可能需要一个信誉良好的共同签署人

• 无发起费
• 贷款 have a six-month grace period from the date a borrower ceases to be enrolled at least half-time at an eligible institution.
• 本金余额低于30美元,000 have up to a ten-year repayment period with minimum monthly payments of $50.
• Principal balances of $30,000 or more have a repayment period up to 20 years.
• Postponements of loan repayment 和 income-sensitive or graduated repayment schedules are available.

• 看看 rules for residency for Texas state financial aid 看看你是否符合资格

• 去 HH贷款 并应用

私人/替代 

各种私人,选择贷款

(Requires additional application for credit approval).

不同

• 基于信用检查
• Non-need基础
• Other criteria varies widely, however most require at least ½ time 和 meeting SAP requirements
• 可能需要一个信誉良好的共同签署人

• 因出借人而异

• 申请流程因贷款人而异.  点击这里启动贷款人列表