金融援助

• Incomplete Requests can不 be 加工过的. 请预留6周时间填写贷款申请表 to be 加工过的 during peak times. 贷款申请表将按其顺序处理 收到.

• 你 will receive a Direct Loan Certification email to your student email with your estimated earliest loan disbursement 日期 after your request has been approved and 加工过的. 如果您的贷款申请被拒绝或减少，您将收到通知 to your student email.
• Enrollment verification- Loan funds will 不 be disbursed until after census/ Financial 援助 freeze 日期s each Fall and Spring term in order to verify enrollment in at least 6单元. All students will receive a loan certification email with 的 earliest possible disbursement 日期.
• First time student 借款人 with no prior Federal Direct Loan are required by law to complete 30 days of 的ir 在收到他们的第一笔贷款支付之前的入学计划.

What kinds of problems could cause my loan to be delayed, reduced or cancelled?

Enrolled less than half-time (6单元)
Students must be enrolled in and attending Butte College at least half-time (6单元) for 的 entire loan term. 必须添加开放入学/开放退出课程和晚开课课程 通过冻结日期计算贷款资格.

Lack of Satisfactory Academic Progress

• Students failing to meet required standards of Satisfactory Academic Progress 不符合资格 获得经济援助，包括整个贷款期间的贷款.
• 贷款 for students on 金融援助 Probation or approved Maxumum Timeframe Petitions may be delayed or denied until 的ir Satisfactory Academic Progress status is confirmed.
• Students who have been disqualified due to lack of Satisfactory Academic Progress must be reinstated before 的y can apply for a loan, and may be subject to reduction or cancellation of loans.

学生贷款债务 这是个人和国家都关心的问题吗. The federal 政府ernment 有没有设定本科生的最高贷款额. Since "undergraduate" includes all course work through a Bachelor's degree, it is important 不 to "over-borrow" at 的 community college level.

High Debt Load Management. For a student enrolled at Butte College, pursuing an Associate degree or Certificate of Achievement, 的 college considers 的 following amount totals to be excessive 就读社区大学学生的债务负担:

已经达到这些债务负担的学生将被考虑 High-Risk Borrowers 他们的贷款申请可能会被延迟、减少或拒绝. 请计划 因此，对于a delayed loan review. 

联邦法规要求贷款至少要在 两个付款. 

• Academic-year loans (fall and spring semesters) have one payment after 的 loan is originated in 的 第二次是在春季学期开始时.
• 学期 loans are divided into 两个付款, one after 的 loan is originated and a second at 的 mid-point of 的 semester. 学生必须保持至少一半的注册时间 (6个单位)在任何一种贷款安排下获得第二次付款.
• 暑期班 is 不 part of 的 regular academic year (fall and spring semesters) and student 暑期课程不提供贷款.

补贴 Direct Loan is awarded on 的 basis of financial need. Unmet "need" is determined by subtracting 的 学生资助指数 (SAI) and all o的r forms of aid from 的 Cost of Attendance (COA)，即预算. 感兴趣 is paid for you by 的 federal 政府ernment while you are enrolled in school at least half-time and during periods of authorized deferment. 联邦政府“补贴”你的贷款， 通过在这些时期支付利息.

未受资助的 Direct Loan is 不 awarded on 的 basis of need and is available to you regardless of income. 感兴趣 will be charged from 的 time 的 loan is disbursed until it is paid in full. 你 may choose to make periodic interest payments or opt to have 的 accrued interest 资本化(加成)于主要贷款金额.

利率和费用由国会和 begin July 1 for each academic year. As per changes authorized by 的 Bipartisan Student Loan Certainty Act of 2013, 的 Direct Loan interest rate will be 的 sum of a uniform "index rate" plus an "add-on" 这取决于贷款类型和借款人的年级水平. 利息 rate for a loan, once established, will apply for 的 life of 的 loan -- that is, 贷款是一种 固定利率贷款. As a result, student 借款人 who borrow in more than one award year will likely 有很多固定利率的贷款，每个都有不同的利率. 政府贷款 in 的 academic year 2013-2014 had a 3.86% interest rate for 补贴 and a 3.86 % interest rate for 未受资助的.

感兴趣. 贷款 must be repaid in full. 除了本金(你借的金额)， interest accumulates on 的 loan as an expense paid by 的 borrower for 的 use of 的钱. 费用按未付本金的百分比计算. 

发放的费用. All loans have loan 费用 (also called origination 费用) that are deducted proportionately from each loan disbursement you receive. 这意味着你收到的钱将会 少于你实际借的金额. 你 are responsible for repaying 的 完整的数量.

申请费用将在支付前自动扣除.

• For loans disbursed before Oct. 1, 2023, 的 fee is 1.057% 关于贷款.
• For loans disbursed on or after Oct. 1, 2023, and before Oct. 1, 2025, 的 fee amount is 由教育部稍后公布.