贷款

Biden-Harris 政府's Student Debt Relief Plan

President Biden Announces New Actions to Provide Debt Relief and Support for Student 贷款借款人: 
1. The Secretary of 教育 initiated a rulemaking process aimed at opening an alternative path to debt relief for as many working and middle-class borrowers as possible, using the Secretary's authority under the Higher 教育 Act.
2. The Department of 教育 (Department) finalized the most affordable repayment plan ever created, ensuring that borrowers will be able to take advantage of this plan this summer—before loan payments are due. This plan helps the typical borrower 每年节省超过1000美元.

For more detailed information please check the 教育部网站 

Congress recently passed a law preventing further extensions of the payment pause. Student loan interest will resume starting on Sept. 2023年1月1日，付款将是 定于10月开始.

Due to court action, loan forgiveness is currently blocked. 应用程序目前 关闭. If you've already applied, processing is currently blocked as well. 检查 与 美国教育部 欲知详情

 

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The Department of 教育 is reducing interest rates to 0% and suspending payments on all 联邦直接斯塔福德贷款. All students are qualifying for this automatically and it takes effect March 13, 2020 to 60 days after the supreme court makes a decision on loan the Biden loan forgiveness plan or 60 days after June 30, 2023, whichever 是第一位. 贷款包括:

  • 父母+
  • 毕业生加
  • Subsidized and Unsubsidized Federal Direct Stafford loans  

Does not include Perkins, Private, or any older FFEL type loans
For more information, see the Coronavirus and Forbearance Loan Information announcement 以及谁是我的贷款服务商? on the Federal Student Aid website. 你会发现详细的 更多具体问题的常见问题解答.

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贷款 are funds that must be repaid. Students should only borrow the amount that is 绝对必要的. 

It is a good idea to project what your total borrowing needs will be throughout your college career, and to be aware of what the necessary payments will be upon earning 一个学位.

The amount of the loan is determined by:

  1. 出勤费用
  2. 贷款资格
  3. 在校时间
  4. 已授予的其他援助 
Thumbnail of A Minute to Learn It - Borrowing Student 贷款

贷款种类

There are many types of loans available for students at San Jose State University, 包括: 

大学生贷款

Graduate/Parent/Professional 贷款

其他贷款

  • 选择贷款 (私人银行)

  • Short-Term 贷款: Short-Term (Emergency) loans are available through the Bursar's 办公室. To be eligible you must have no outstanding debts to the university and must have sufficient financial aid or be gainfully employed. 联系 财务主管的办公室 了解更多信息.

贷款信息

接受贷款的步骤

  1. Students accept loans in their My菠菜网lol正规平台 - Instructions to Accepting  a Federal Direct Stafford Loan. [pdf]
  2. First time student loan borrowers at 菠菜网lol正规平台, must complete the on-line 入学贷款 Counseling session prior to receiving their first loan disbursement. 入学贷款 Counseling is an online session which addresses interest rates, deferments, and how 为了避免违约. There are no exceptions to this federal requirement. 一定要确保，先生 José State is selected as your school when completing 入学贷款 Counseling.
  3. Students MUST eSign the Master Promissory Note prior to receiving a loan disbursement (必须每10年签署一次).  The MPN is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the Department of 教育. 

最后期限

  • Fall 2023/Spring 2024 deadlines to accept loans:
    • December 8, 2023 for students attending Fall 2023 only
    • April 26, 2024 for Academic Year loan(s), or Spring 2024 only

一般信息

  • Most loans are available for fall and spring semesters. 
  • Summer loans are evaluated on a case-by-case basis. 参观 暑期助学金 网页了解更多信息.

  • Students must maintain updated information 与 U.S. 教育部直属 贷款服务中心. Report the following changes, if any:

    • Name, address or ph一个 number change
    • 转学
    • Leave of absence, withdrawal from school, or dropping below half-time enrollment
    • 新毕业日期

退出贷款咨询

As a recipient of funds from the Federal Direct Stafford Loan Program, students are required to complete an exit loan counseling session within sixty (60) days of your 在上海大学的最后出勤日期.

This counseling session covers the following federal student loan types:

  • 威廉D. Ford Federal Direct Loan Program (DL)
    • 直接资助贷款
    • 直接无补贴贷款
    • 直接毕业加分贷款
  • Federal Family 教育 Loan Program (FFELP)
    • Subsidized Federal Stafford 贷款
    • Unsubsidized Federal Stafford 贷款
    • Federal PLUS 贷款 (for graduate/professional students)

去 StudentAid.政府 to complete online exit loan counseling.

贷款整合

Loan consolidation allows you to refinance any or all eligible outstanding federal student loans and create a single new loan with 一个 monthly payment. 新贷款 will have a fixed interest rate, new terms, and may have an extended repayment period 长达30年.

For more detailed information, go to the 贷款整合 网页.

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