拉克万纳联邦 & 另类贷款|不朽情缘国际注册-不朽情缘国际注册

联邦 & 选择贷款

学生贷款

A college education is one of the most important investments in your life. Please review the following information if you are considering a federal Direct Loan or a Direct PLUS Loan to help finance your education or your child’s at Lackawanna College.

因为助学金和奖学金是有限的, many students rely on student loans to cover educational expenses. Students who indicate an interest in loans on the FAFSA are automatically considered for loans. Although Lackawanna College awards students up to their maximum yearly eligibility, 我们鼓励学生明智地借钱. Students transferring to a four-year school may run out of eligibility at the four-year school if they borrow too much at Lackawanna.

联邦直接补贴贷款和非补贴贷款

The 联邦 Direct Loan interest rate for 补贴 and 未受资助的 loans is 5.50%,还有1的贷款费用.057% deducted from each loan disbursed on or after October 1, 2020.  This is the first loan option that students should consider as long as they are registered for 6 or more credits a semester (half-time enrollment). Repayment begins 6 months after the student ceases to be a half-time student. 这笔贷款可能是 补贴 or 未受资助的.

补贴

  • Based on financial need as determined by the FAFSA, other aid sources, and educational costs.
  • The federal 政府ernment pays the interest on the loan while the student is enrolled at least half-time in school.


未受资助的

  • 不是基于经济需要.
  • The student pays the interest while in school or it can be capitalized into the principal thus increasing the amount owed.

新生可能有资格借最多5美元,500, 其中不超过3美元,可以补贴500人. Students who have earned 24 or more credits may be eligible for a maximum of $6,每年500美元, 其中不超过4美元,可以补贴500人. Independent students may be eligible for an additional maximum of $4,无补贴贷款基金.

联邦直接附加贷款

联邦直接加贷款 是为受供养学生的家长而设的吗. 父母不得有不良信用记录.  The loan amount is based on educational costs minus any other aid the student is receiving. 加号的利率是8.05% first disbursed on or after July 1, 2023, and before July 1, 2024.  贷款费用4.228% deducted from each loan disbursed on or after October 1, 2020.

拉克万纳向学生的学校账户支付学费, 费用, 食宿, 以及其他学校收费. 如果在支付学费后仍有贷款资金, 费用, 食宿, 以及其他机构收费, the credit refund can be issued at your request to you as the borrower or to your student.  Repayment usually begins 60 days after the final disbursement of the PLUS loan. 在学生入学期间可以延期.

A Dependent student’s whose parents are denied the Direct PLUS Loan may be eligible to receive an additional 未受资助的 Loan based on their academic level at the College.

获得联邦直接贷款或直接PLUS贷款的步骤

A Master Promissory Note (MPN) needs to be completed if you wish to borrow through the federal Direct 补贴 and 未受资助的 Loans or for the Direct PLUS Loan program. 主本票是一种法律文件. By signing the MPN, you promise to repay current and future federal loans. This note is valid for 10 years and does NOT require you to complete another MPN for subsequent borrowing unless you elect to attend another institution.

Please follow these simple steps to complete the 联邦 Direct Master Promissory Note (MPN) online:

  • 访问 studentaid.政府 and follow the online instructions to get information and to apply.
  • You need to use your FSA ID and password (same as from the FAFSA). 如你尚未申领金融服务管理局身份证,你可于 ed.政府. 有关您的FSA ID的问题,请致电1-800- 4fedex.
  • 以电子方式签署主本票(MPN).

申请时需要以下信息:

  • Social Security Number, date of birth, permanent home address, and driver’s license number.
  • 你计划就读的学院/大学的名称.
  • 的名字, 地址, and telephone number of two separate references (Please note the references must NOT be living at the same U.S. 地址).

联邦 Direct Loans and Direct PLUS Loans are guaranteed by the 教育部. The loan funds will be delivered through Electronic Funds Transfer (EFT) directly to your student account. 第一次支付将在学期开始30天内进行.

入学咨询

联邦 Student Aid regulations require all federal Direct Loan borrowers to complete 贷款入学辅导 在你的联邦直接贷款第一次发放之前. 要完成此要求,请访问 studentaid.政府 然后点击 贷款入学辅导. The purpose of the counseling is to make you aware of your rights and responsibilities associated with student loan borrowing.

出口咨询

联邦 regulations require all federal Direct Loan borrowers to complete 贷款退出咨询 在您的注册结束之前. 要完成这一要求,请上网到 studentaid.政府 然后点击 贷款退出咨询. The purpose of the counseling is to make you aware of your rights and responsibilities as you enter the repayment stage of student loan borrowing. Please note that the 贷款退出咨询 requirement must be met before receiving your diploma.

选择贷款

Private alternative loans are not part of the federal Direct Loan 项目 and should be used as a last resort. Students should first consider the federal Direct Loans and the Direct PLUS Loan program as they offer the lowest 费用 and interest rates. 然而, 如果这些贷款项目不能支付你的教育费用, 你可以考虑其他的贷款方式.

Students and their parents can review and compare alternative student loans option on 榆树选择

Please feel free to contact the Office of Student Financial Services with questions regarding alternative loan options at (570) 961-7859 或电邮至 financialservices@zgbjysg.com.

监察专员

Please use the following information to contact the FSA Student Loan 监察专员 Group.