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Federal Direct Subsidized/Unsubsidized Loan
Federal Direct Subsidized/Unsubsidized 贷款 are low-interest loans for undergraduate 和 graduate students who complete a FAFSA. |
资格
学生必须:
- Have a valid Free Application for Federal Student 援助 (FAFSA)存档;
- Must be fully admitted as a degree-seeking student in an undergraduate or graduate program at Indiana State;
- 必须注册 至少中场休息 when the loan is expected to be disbursed;
- Must maintain Satisfactory Academic Progress (SAP)标准;
- 一定是U.S. 公民或 符合条件的非公民;
- Must not be in default on an educational loan or owe an overpayment on a federal education grant, or other federal debt, or has made satisfactory arrangements to repay that debt;
如何申请
- File the Free Application for Federal Student 援助 (FAFSA);
- Web-Accept your loans on your MyISU Portal. 异常: Summer semesters require a Summer 援助 Request Form;
- The loan will be submitted to the National Student Loan Data System (NSLDS), 和 will be accessible by guaranty agencies, 银行, 和 schools determined to be authorized users of the data system;
- First-time borrowers must complete the Master Promissory Note 和 入学咨询;
- 完成 Annual Student Loan Acknowledgment each year (optional);
- Last day to Web-Accept is Thursday of finals week.
量
Federal Direct Subsidized 贷款
- Collect interest at 0% while the borrower is enrolled 至少中场休息;
- Collect interest at a fixed APR when the borrower graduates or drops below half-time enrollment;
- 需要 an origination fee assessed at disbursement for loans depending on when the loan originates;
- 需要 未满足的需求 as defined by the FAFSA;
- Are only available for undergraduate students.
Federal Direct Unsubsidized 贷款:
- Collect interest at a fixed APR;
- 需要 an origination fee assessed at disbursement for loans depending on when the loan originates;
- Are available for undergraduate 和 graduate students.
Current interest rates are published annually at http://studentaid.ed.gov/sa/types/loans/interest-rates.
Grade levels listed below have been in effect since Fall 2014. Because the Federal Direct Loan program does not require a credit check, it requires both annual 和 cumulative (lifetime) limits as listed below:
Repayment / Disbursement of Funds
- Loan funds are applied to student accounts approximately ten days before the start of the semester.
- Half of the amount applied for is disbursed at the start of the fall semester 和 the other half at the start of the spring semester.
- Funds will first cover direct educational expenses on the student's account.
- Any excess funds are refunded to the student via ACH direct deposit or sent to the student's permanent address.
- Loan amounts will be prorated for undergraduate students graduating in December.
- Borrowers have the right to cancel all or a portion of the loan with no penalty by submitting a 减免贷款表格 within 14 days of disbursement.
To find out more about 还款 options before receiving a Direct Loan, borrowers may contact the Federal Student 援助 Information Center at 1-800-4-FED-AID (1-800-433-3243).
此外,请浏览 还款.
资源 |
- 退款信息
- Enrollment 和 Its Effects on 金融援助
- 金融援助 Frequently Asked Questions
- MyISU Student Portal Help
- 重要的日子 & 最后期限
- 金融援助 Glossary
- Direct Loan Disclosure Form
- bc菠菜导航
- 满意度调查
联系
220 North Seventh Street
蒂雷厅150号
Indiana State University
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办公时间
星期一至星期五
8:30 a.m. -中午及下午一时.m. - 4:30 p.m.
星期一至星期五
8:30 a.m. -中午及下午一时.m. - 4:00 p.m.