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Federal Student 贷款
What is a Federal Direct Student Loan?
联邦直接学生贷款是一种财政援助 must be paid back with interest. Butte College participates in 的 Federal Direct Loan Program. Direct loans are low-interest education loans for students to help pay for college 成本. 不需要信用检查或委托人来获得资格. 贷款人是 U.S. 它将贷款分配给它的合同之一 贷款服务商 在全国范围内,贷款是由学校为学生发起的. 你 can find out who your loan servicer is two weeks after your first loan disbursement is issued by 的 school. 去 http://studentaid.gov to see your loan servicer contact information and to keep your information updated 与他们. 您的贷款服务人员将负责您对您的贷款的任何问题 loan after 的 funds have been distributed.
去 http://studentaid.gov to see your loan servicer contact information and to keep your information updated 与他们. 您的贷款服务人员将负责您对您的贷款的任何问题 loan after 的 funds have been distributed.
Loan Repayment is necessary:
联邦学生贷款是长期债务. Accepting a loan means accepting 的 responsibility for repaying 的钱 you borrow including interest 成本 and 费用. Before you request a loan, make sure you find out 的 true 成本, interest rates, 以及需要多长时间才能偿还贷款. To get answers to 的se questions and 更多信息,请访问 http://studentaid.gov
Be A Smart Borrower!
你 can also find more information regarding interest rates , how to apply for a loan, repayment plans, deferments, forbearance, consequences of default and much more, go to http://studentaid.ed.gov 或访问E世博ESBALL财政援助办公室并提出问题.
要获得有关贷款选择的免费帮助,请访问 www.ECMC.org
Two Requirements of All Borrowers:
Requirements for Borrowers:- Entrance 咨询 -Entrance 咨询 is required of ALL first time or returning 借款人 and is completed as a part of 的 of 的 Butte College Federal Direct Loan request
过程. Without Entrance 咨询 your loan will 不 be linked between 的 Department
由教育及E世博ESBALL资助,不会发放. For more information visit http://studentaid.gov/
- 出口咨询 - Entrance 咨询 is required of 借款人 when 的 borrower drops below 6单元 during a semster or stops attending, completes jut one semester, or when a student completed 的ir program of study at Butte College or transfers to ano的r school. For more information visit http://studentaid.gov/
联邦直接学生贷款资格要求清单
贷款检查表- 完成2024-2025年联邦学生援助免费申请(FAFSA). 你可能有资格获得贷款,作为你的经济援助奖励的一部分. 大多数学生 和ir families are eligible for some form of federal educational loan assistance. Submitting a FAFSA is 的 first step.
- 你必须注册并积极参加最少的 6 payable units (at least half-time) 每学期
- 你必须 be enrolled in a degree-granting or eligible certificate program (Associate Degree or Certificate of Achievement)
- 你一定要见 Satisfactory Academic Progress (SAP) 为了保持持续的借款资格,您还必须至少完成 6单元 在你收到贷款资金的每个学期
- 你必须 不 有未完成的任务,并有完整的财政援助文件
- 你必须 不 be in default on any type of student loan
- 你必须 不 欠偿还联邦学生助学金
Requesting a 2024-2025 Federal Direct Loan
How to Request a Loan-
从2024年8月1日起,从你的E世博ESBALL学生的电子邮件开始, 发送请求到 studentloanrequest@cmithlj.com. 包括你的名字和E世博ESBALL的学生证号码
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The 金融援助 Office will review your 金融援助 file to ensure you are meeting 的 above minimum criteria and are eligible to receive and complete a Federal Direct 贷款申请表
- If you are eligible- 你 will receive an email in your student email account with 的 link to complete 网上“E世博ESBALL助学金直接贷款申请表”
- If you 不符合资格 at this time- you will receive an email with information as to why you do 不 currently meet 的 最低资格,如果有的话,你必须采取什么步骤
To 避免延迟 in receiving funds, you must complete 的 following before completing and submitting 在线联邦直接贷款申请表:
- 登录你的 studentaid.政府 account with your FSA ID
- 完整的 Entrance 咨询 和 Master Promissory Note (MPN). Butte College can不 begin 过程ing your Federal Direct Loan request without 的se completed by 的 student first!
- 回顾你的 aggregate student loan balance. If you borrow 的 annual maximum every year, you may reach 的 aggregate limit before you have completed your educational goal. 请注意,您的帐户可能还不包括 你最近的贷款,一定要保持一个准确的跟踪你的贷款.
Students who do 不 meet 的se eligibility requirements can不 apply for a student 贷款或将受到延迟处理. Please plan accordingly.
- 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:
依赖学生s | 所有贷款的债务负担为$12,000(包括所有以前的贷款) |
Independent Students | 所有贷款的债务负担为$21,000(包括所有以前的贷款) |
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.
怎样计算资助贷款资格 |
COA - SAI - all o的r aid (grants + scholarships + work-study) =资助贷款 资格不超过年度限额(见下文年度限额) |
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.
如何计算免补贴贷款资格 |
COA - all o的r aid (grants + scholarships + work-study = 未受资助的 Loan 资格不超过年度限额(见下文年度限额) |
2024-2025年度联邦直接贷款限额
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依赖学生 | 补贴 | 未受资助的 | 总计 |
1年 (up to 29 units completed) |
最高可达3,500美元 | 最高2,000元 | $5,500 |
二年级 (30+ units completed) |
最高4,500美元 | 最高2,000元 | $6,500 |
Federal Direct PLUS denied Additional (并非所有学生都有资格申请额外津贴) |
最高2,000元 | TBD | |
Independent Student* | 补贴 | 未受资助的 | 总计 |
1年 (up to 29 units completed) | 最高可达3,500美元 | 最高6,000元 | $9,500 |
二年级 (30+ units completed | 最高4,500美元 | 最高6,000元 | $10,500 |
你 are an Independent student if you were 不 required to provide parental information when completing 的 FAFSA. 受养人的父母无法根据 PLUS计划将被视为独立贷款.
联邦大学生贷款限额*
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补贴 | 补贴 & 未受资助的 | |
依赖学生 |
$23,000 | $31,000 |
Independent Student | $23,000 | $57,500 |
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.
DIRECT STUDENT LOAN INTEREST RATES |
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2024年7月1日当日或之后、2025年7月1日之前发放的补贴贷款 | 6.53% | ||
未受资助的 loans disbursed on or after July 1, 2024 and before July 1, 2025 | 6.53% |
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.
E世博ESBALL
Butte College School Code
006972
SAS 160 Rm. 110
3536 Butte Campus Drive
Oroville, CA 95965
操作时间
Summer 操作时间
主校区:
(May 27 thru August 9)
星期一:上午8点.m. - 5:00 p.m.
星期二:上午8点.m. - 5:00 p.m.
星期三:8:00 a.m. - 5:00 p.m.
星期四:上午8点.m. - 5:00 p.m.
*1st and 3rd 星期四:上午8:30.m. - 5:00 p.m.
封闭的星期五
奇科中心:
(May 27 thru June 7)
星期一:早上7:30.m. - 5:00 p.m.
周二:早上7:30.m. - 5:00 p.m.
星期三:7:30 a.m. - 5:00 p.m.
星期四:早上7:30.m. - 5:00 p.m.
封闭的星期五
(June 10 thru August 9)
星期一:上午8:30.m. - 6:00 p.m.
星期二:上午8:30.m. - 6:00 p.m.
星期三:8:30 a.m. - 6:00 p.m.
星期四:上午8:30.m. - 6:00 p.m.
封闭的星期五
格伦县:
每隔星期二或星期三:下午八点半至六时.m.
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