PLUS Loan for 欧洲杯竞猜网站
A Federal Direct 欧洲杯竞猜网站 PLUS loan is an unsubsidized loan available to graduate 学生.
欧洲杯竞猜网站 PLUS Loan Application Requirements
- You must attend at least half-time (6 hours)
- You must have good credit history. (If you have weak credit you may be eligible with a credit-worthy co-borrower or by documenting extenuating circumstances)
- 你必须填妥 FAFSA
申请过程
应用ing for a Direct 欧洲杯竞猜网站 PLUS Loan is a four-step process
- 完整的 the Free Application for Federal Student Aid (FAFSA)
- 完成一个 Federal Direct 欧洲杯竞猜网站 PLUS Loan Application online. 美国.S. Department of Education will complete a credit check. UHCL将收到 your online application and credit decision within a week.
- 完整的 Direct 欧洲杯竞猜网站 PLUS Loan entrance counseling
- 完整的 the Direct PLUS Master Promissory Note (MPN) after being notified by our 办公室这样做
After your Grad PLUS Loan is approved, we'll ask you to complete the Federal Direct PLUS Loan Master Promissory Note. The MPN acts as a contract between you and the U.S. Department of Education. By signing the MPN, you promise to repay the amount loaned and agree to other important terms of the loan. 你必须填妥 MPN so we can apply the funds to your account. You can sign the MPN online at the Federal Student Aid website.
不良信贷
PLUS Counseling is required if the U.S. Department of Education (DOE) has informed you that you have an adverse credit history and you have obtained an endorser or documented to the satisfaction of the U.S. DOE that there are extenuating circumstances related to your adverse credit history. PLUS Counseling can be completed at the Federal Student Aid website.
PLUS贷款偿还
- Repayment begins 6 months after you fall below a half-time enrollment status.
- The repayment term is up to 10 years
- There is no grace period. Interest starts when the first disbursement is made
PLUS Loan Borrowing Limits
与 a PLUS loan, you can borrow up to the cost of attendance minus any other financial 援助授予.
利率
| 贷款类型 | First Disbursed between July 1, 2023 and June 30, 2024 |
|---|---|
| Direct Subsidized and Unsubsidized Loans (for Undergraduate Students) | 固定在5.50% |
| Direct Unsubsidized Loans (for 欧洲杯竞猜网站 or Professional Students) | 固定在7.05% |
| Direct PLUS Loans (父母 and 欧洲杯竞猜网站 or Professional Students) | 固定在8.05% |
发放的费用
In addition to charging interest, PLUS loans also charge a 4.228%的发起费. The fee comes out of the first funds you receive from your loan.
收到你的钱
Your loan money will be applied to your student account. We deduct tuition, fees and/or 其他余额. If there’s anything left over we refund it to you according to the university's refund process.