联邦学生贷款和私人学生贷款

Both Subsidized and Unsubsidized Federal Direct Loans are originated and guaranteed by the U.S. 教育部. You are required to repay both loan types six months after you graduate, 退出或你的注册时间少于一半. 请注意，有一笔原创费, 贷款人为处理你的贷款而收取的费用, 两种贷款类型.

直接资助贷款 are available to undergraduate students who demonstrate financial need per the Free Application for Federal Student Aid (FAFSA). 美国.S. 教育部 pays the interest on Direct Subsidized loans while you’re in school at least half-time and during your grace period; so, 在本质上, 利息延期支付. 对于所有其他类型的贷款，利息在支付时开始累积. You can opt to pay the interest on 直接无补贴贷款 while enrolled at least half-time; however, 这不是必需的.

直接无补贴贷款 对本科生和研究生都适用吗, 但是你不需要证明你有经济需要. Unsubsidized loans accrue interest immediately upon disbursement to your account. 的 federal 政府ernment does not pay the interest on your behalf at any time.

请访问联邦学生援助网站 年度贷款限额及当期利息费用.

直接Grad PLUS贷款 是根据学生的信用记录来评分的吗. 的y are available to students enrolled in a graduate or professional program of study.

直系家长PLUS贷款 are offered to the parent(s) of undergraduate students enrolled at least half-time. 它们是根据信用记录授予的. If your parent is denied a PLUS Loan, you may request to borrow additional student loans. 如果你的父母被批准了PLUS贷款, repayment begins immediately unless your parent requests and is approved for a deferment.

For more information about the Direct Grad PLUS or Direct Parent PLUS loans, visit the 联邦学生援助网站.

的 教育部 ended the 联邦珀金斯贷款计划 as of Sept. 30, 2017. 而珀金斯贷款不再提供, students currently repaying Perkins loans can visit the servicer Heartland ECSI at BorrowerEFPLS.ed.政府.

私人学生贷款, 也被称为替代贷款, are credit-based consumer loans that can be used for education-related expenses. 它们通常比联邦学生贷款更昂贵. 虽然你不会通过GCU申请私人贷款, an approved private loan will be considered as part of your estimated financial aid.

For more information and to request a Private 教育 Loan Self-Certification form, 联系你的学生服务顾问 855 - gcu部件-洛佩.

有用的提示在申请私人学生贷款之前, 请比较一下发起费用, 利率, 还款条件和延期/宽免的可用性.

通常, it is best to exhaust your federal student loan eligibility before applying for a private student loan.

每年10月1日或之后, complete the 免费申请联邦学生援助(FAFSA) form online at StudentAid.政府 to qualify for federal assistance such as federal loans, grants and/or work-study. 利记 uses the FAFSA information to determine your eligibility for federal financial aid as well as 奖学金和/或其他助学金.

了解更多关于 FAFSA 还有开始申请的过程.

如果你打算借学生贷款, you will need to log into your Federal Student Aid (FSA) account at StudentAid.政府 to complete your Entrance 咨询 and Master Promissory Note (MPN). If you are a current GCU student, speak with your student services counselor to learn more.

Once you have submitted all the required documentation and are eligible to receive federal aid, you will be notified of the types of awards available to you and the estimated cost for the academic year. 联邦学生贷款将被授予，如果完成 入学面试及主本票 在文件.

Please notify your student services counselor if you wish to borrow less than what was awarded to you. Any funds in excess of the posted charges will create a credit balance on the account and an excess funds (stipend) check will be mailed to the borrower to help cover other educational expenses.

记住，你必须:

• 保持令人满意的成绩，以保持有资格获得资助
• 在每个学年之前完成FAFSA表格(10月1日可用)
• 至少要有一半的时间才能获得联邦贷款

Once you graduate, withdraw or fall below half-time status, you will begin the repayment process.

It’s best to prepare to repay your student loans as you get closer to your graduation date. 幸运的是, 如果你借了联邦学生贷款, you will be granted a six-month grace period before you start making payments. Use this time to organize your finances and choose the best repayment plan for your budget. 联系您的贷款服务机构和/或GCU的贷款偿还支持团队，以 了解更多关于还款的选择.

You may also explore all the repayment options, information and forms on the 联邦学生援助网站 穿过美国.S. 教育部.