大学生贷款
Let us help you find the right loan that best fits 你的 个人需求.
联邦直接补贴 & 未受资助的贷款
的se fixed interest rate student loans have a 10 year repayment period, 和 repayment is deferred until graduation. 的 补贴 loan is awarded to qualified students who demonstrate financial need based upon the FAFSA 和 are interest free while enrolled at least half-time. 的 未受资助的 loan does not require students demonstrate financial need based upon the FAFSA 和 interest accrues while enrolled at least half-time
Students who are not eligible for the 补贴 loan, or have not borrowed up to the annual loan limit on the 补贴 loan, may borrow the remaining amount in the 未受资助的 loan. Annual loan limits range from $5,500 to $7,500, depending on class level. Independent students may borrow $9,500 to $12,500 depending on class level.
| 类级别 | 依赖学生 (except students whose parents are unable to obtain PLUS Loans) | 独立的学生 (和 dependent undergraduate students whose parents are unable to obtain PLUS Loans) |
| 大一新生(0-29学分) | $5,500 (No more than $3,500 may be 补贴) | $9,500 (No more than $3,500 may be 补贴) |
| 大二(30-59学分) | $6,500 (No more than $4,500 may be 补贴) | $10,500 (No more than $4,500 may be 补贴) |
| Junior (60-89 units) /Senior (90-124 units) | $7,500 (No more than $5,500 may be 补贴) | $12,500 (No more than $5,500 may be 补贴) |
利率: 5.50%的固定
融资费用: 1.057%
宽限期: 6个月
联邦家长附加贷款
Credit-worthy parents of undergraduate students may borrow up to the cost of attendance per year less the amount of any other financial aid the student is receiving. 家长可申请 在这里，登入 他们自己的 FSA ID和密码. For more information please follow this 指南.
的 Federal Parent PLUS loan has a loan origination fee, which is deducted from the amount borrowed. Please use this calculator to determine the exact loan amount to request on 你的 application.
利率: 8.05%的固定
还款: 60 days after loan fully disburses
主本票 (或然数): 要求
请注意, excess funds that are refunded as a result of a PLUS loan can be returned through the school within 7 days of the disbursement. After 7 days, funds must be returned directly to 你的 lender. Please contact the office for more information.
In the event 你的 PLUS loan is declined, you have three options:
- Pursue an endorser for the PLUS loan: studentaid.政府 / endorser-addendum /
- 上诉学分决定: studentaid.政府 / appeal-credit /演示
- Request additional student direct loan funds, as detailed above
替代/私人贷款
要申请，请访问 elmselect.com > type in 'Saint Mary's College of California' > select 'undergraduate'. Compare lenders 和 review terms to make the best choice for you.
还款信息
To view a list of 你的 current Federal loans, go on the studentaid.政府 和 create an account to view 你的 loan history. To calculate 你的 estimated loan payments go to 联邦学生资助 和 use the loan repayment calculator.
Saint Mary’s College 金融援助 Office Student Loan Code Of Conduct
1. 禁止金融联系: Lenders are prohibited from giving anything of value to any college in exchange for any advantage sought by the lender. This severs any inappropriate financial arrangements between lenders 和 schools 和 specifically prohibits 'revenue sharing' arrangements.
2. Ban on 付款s for Preferred Lender Status: Lenders may not pay or give colleges any financial benefits whatsoever to get on a college's preferred lender list.
3. 禁止送礼和旅行: Lenders are prohibited from giving college employees anything of more than nominal value. This includes a prohibition on trips for financial aid officers 和 other colleges officials paid for by lenders.
4. 咨询委员会规则: Lenders are prohibited from paying college employees anything of value for serving on the advisory boards of the lenders.
5. Call-Center 和 Staffing Prohibition: Lenders must ensure that employees of lenders never identify themselves to students as employees of the colleges. No employee of a lender may ever work in or provide staffing assistance for a college financial aid office.
6. Disclosure of Range of Rates 和 Defaults: Lenders must disclose to any requesting school the range of rates they charge to students at the school, the number of borrowers at each rate at the school, 和 the lender's historic default rate at the school. This will ensure that schools will have the information they need to select preferred lenders who are best for students 和 parents.
7. 贷款转售披露: Lenders shall fully 和 prominently disclose to students 和 their parents any agreements they have to sell loans to any lender