学生贷款

学生贷款, 不像助学金和勤工俭学, 借来的钱是必须偿还的吗, 有兴趣地, 就像车贷和房贷一样. You cannot have these loans canceled because you didn't like the education you received, didn't get a job in your field of study or because you're having financial difficulty. 贷款是法律义务, 所以在你申请学生贷款之前, think about the amount you'll have to repay over the years. Be a Responsible Borrower: Plan Ahead and 研究生 With Less Debt. can help you learn more about federal student loan debt.

ENMU realizes that some students will not receive enough money from grants and scholarships to cover all of the expenses associated with attending college. In an effort to relieve the financial burden for these expenses, ENMU participates in the William D Ford Federal Direct Loan (Direct Loan) Program. To understand more about federal or private student loans, contact the Office of 金融援助.

The amount you are eligible to borrow depends on your grade level and dependency status. Repayment of loan and accrual of interest varies with the type of loan.

直接补贴贷款和非补贴贷款

Direct Loans are for undergraduate and graduate degree students. You must be enrolled as at least a half-time* student to be eligible for a Direct Loan. There are two types of Direct Loans: subsidized and unsubsidized. You must be an undergraduate student and have financial need to receive a subsidized Loan. 美国.S. Department of Education will pay (subsidize) the interest that accrues on subsidized Direct Loans during certain periods. Financial need is not a requirement to obtain an unsubsidized Direct Loan. You are responsible for paying the interest that accrues on unsubsidized Direct Loans. 如果你 would like more information on Direct Loans, contact the Office of 金融援助.

毕业生和家长直接PLUS贷款

PLUS loans are loans a graduate student enrolled at least half-time (5 graduate hours) leading to a graduate degree or certificate or the parent (biological, 收养, 或者在某些情况下, stepparent) of a dependent undergraduate student enrolled at least half-time (6 undergraduate hours) can obtain to help pay the cost of education. PLUS贷款是基于信用的.

如果你, 如果是研究生PLUS, 或者你的父母, 在本科加的情况下, 不要通过信用审查, you/they might still be able to receive a loan if someone, such as a relative or friend who is able to pass the credit check, 同意为贷款背书. 本科 学生 attending ENMU whose parents are denied a Parent PLUS loan may be eligible to receive additional unsubsidized funds. For more information on these loans, contact the Office of 金融援助.

另类(私人)学生贷款

如果你决定申请学生贷款, make sure you understand who is making the loan and the terms and conditions of the loan. Federal student loans may have competitive interest rates and more flexible repayment options than alternative (private) loans from banks or other private sources. ENMU will certify an alternative loan for the amount requested for the term or aid year up to the cost of attendance calculated for the number of hours enrolled. For more information on these loans, contact the Office of 金融援助.

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