Loan options for Central Penn students
Loans are funds for school that MUST be repaid. 中央宾大学生可申请以下贷款.
Federal Direct Stafford Loan
联邦直接斯塔福德贷款是一个贷款项目，学生有机会以自己的名义贷款，不需要联署人或信用检查.
- Must be a U.S. citizen or permanent resident
- Must be at least half-time
- Must be degree-seeking
- 第一次付款应在毕业后6个月或退学或少于半时间状态
- Up to 10 years for repayment
- 必须填写联邦学生援助免费申请表(FAFSA)和财政援助办公室要求的所有其他表格吗
Dependent Student
- First year (0-35 credits): 总额为$5,500，其中不超过$3,500可获资助.
- Second year (36-71 credits): 总资助额为6,500元，其中不超过4,500元可获资助.
- Third year & beyond (72+ credits): 总金额7,500元，其中不超过5,500元可获资助.
父母无法获得PLUS贷款的独立学生或受抚养学生
- First year (0-35 credits): 奖学金总额9,500元，其中不超过3,500元可获资助.
- Second year (36-71 credits): 奖学金总额为10,500元，其中不超过4,500元可获资助.
- Third year & beyond (72+ credits): 总额12,500美元，其中不超过5,500美元可获资助.
Exit Counseling: 所有学生毕业后都必须完成退出咨询, withdraw or drop below six credits. Exit counseling can be completed at http://studentloans.gov/myDirectLoan/index.action.
Loan Type
直接补贴贷款和直接无补贴贷款
直接补贴贷款和直接无补贴贷款
Direct PLUS Loans
Direct PLUS Loans
First Disbursement Date | Loan Fee
On or after 10/1/19 and before 10/1/20 : 1.059%
On or after 10/1/20 and before 10/1/21: 1.057%
On or after 10/1/19 and before 10/1/20: 4.236%
On or after 10/1/20 and before 10/1/21: 4.228%
2021年7月1日或之后、2022年6月20日之前首次发放的直接贷款利率
Loan Type
直接补贴贷款和直接无补贴贷款
Direct Unsubsidized Loans
Direct PLUS Loans
Borrower Type / Fixed Interest Rate
Undergraduate: 3.73%
Graduate or Professional: 5.28%
Parents and Graduate or Professional Students: 6.28%
Interest Rates for Direct Consolidation Loans
直接合并贷款的利率仍然是合并中包括的贷款利率的加权平均值, 四舍五入到下一个更高的八分之一. 直接合并贷款没有最高利率限制.
Direct PLUS Loan
PLUS贷款是为想要借钱帮助支付学生教育费用的父母提供的. 家长必须证明这个项目的信誉. 澳门MG现金的经济援助办公室可以做一个PLUS预筛选，看看他们的父母是否有资格. 如果PLUS贷款被拒绝，学生可以在他们的斯塔福德贷款上再借4000美元. Please call today!
Eligibility Requirements:
- Parent must be a U.S. citizen or permanent resident
- Parent is the borrower and must be credit-worthy
- 学生必须至少有一半的时间和学位寻求
- 是否可以借用费用与其他助学金之间的差额
- 首期付款在贷款最终支付后60天开始
- 付款可以延迟到学生毕业或停止上学后6个月
- Up to 10 years to repay
- Variable interest rate up to 9%
- Loan fee of 4.228%
How to Apply for the Direct (Parent) PLUS loan:
- Go to www.studentloans.gov
- Click on Log In Box
- Enter Parent FSA ID and Password
- All other steps are the same
PLUS Loan Sample Repayment Schedule
Based on 7.9% or 8.50% interest rates
Amount Borrowed
$4,000
$5,500
$8,000
$10,000
$12,000
$16,000
$18,000
$20,000
$25,000
$30,000
$35,000
7.9% Payment Amount
$50
$66
$97
$121
$145
$193
$218
$242
$302
$363
$423
8.5% Payment Amount
$50
$68
$99
$124
$149
$198
$223
$247
$310
$372
$434
Interest Paid
$1,924
$2,638
$3,903
$4,878
$5,854
$7,805
$8781
$9,757
$12,196
$14,635
$17,074
Private/Alternative Loans
协助学生及其家长物色私人教育贷款的贷款人, Central Penn has developed a Preferred Lender List. (请注意，由于我们的营利性地位，有几家贷款人不会贷款给澳门MG现金的学生. 在申请之前，请询问你的贷款人他们是否会借给你澳门MG现金.) In addition, 学生和财务援助办公室工作人员在过去一学年与这些贷款机构的记录经验被视为定性组成部分. After all information was collected, 一个委员会审查了这些数据，并制定了以下贷款人名单. The list is evaluated and updated annually.
Our suggested lenders:
- 在处理我们的学生和家庭方面有优秀的客户服务历史-这包括提供各种付款选择和保持训练有素的工作人员通过免费电话号码回答问题;
- Offer benefits, such as interest rate reduction for auto-debit; and
- 为学生提供“增值”服务——包括提供债务管理工具和项目, 提供有用的网站，教育学生财务问题，并提供违约预防计划.
- 没有向澳门MG现金提供经济利益或其他利益以换取澳门MG现金的优先贷款人名单.
- Have not offered, directly or indirectly, points, premiums, payments or other inducements, 向中央宾大或任何一方提供贷款担保.
- 不会向借款人提供贷款以诱导其他产品及服务.
Remember, this is only a list of suggested lenders. 您不需要从我们的首选贷款人名单中选择贷款人. You may select any lender and/or guarantor. 如果您决定选择不包括在我们的首选贷款人名单中的贷款人, 请致电财务援助办公室1-800-759-2727.
财政援助办公室将处理您选择的任何合格贷款人的贷款. 如果您选择的贷款人不在我们的名单上，您的贷款处理将不会延迟. Schools are required, 根据联邦法规，从学生或家长选择的任何合格贷款人/担保人处证明联邦学生贷款. 从2010年2月14日起，贷款机构和学校将提供一个 self-certification form 这是申请私人学生贷款的一部分. 在借款人及共同借款人签署所有表格及披露文件后，贷款申请才算完成.
PHEAA
PHEAA
- PA Forward Student Loans
- Zero Fees
- Low-cost, fixed interest rates
- Low-interest rates (3.73-6.69% APR)
- Can be enrolled less than half time
- 共同借款人在连续48个月按时还款后释放.
- 0.自动借记及零利率优惠25%.50% for graduation
- Multiple repayment plans
PNC Bank
PNC Bank Loan Information
- PNC Solutions Loan
- No application or origination fees
- Fixed and Variable Rate Loan options
- Choose from 5, 10, or 15-year repayment terms
- 借款人可在连续48个月按时还款后申请解除联署人
- Immediate repayment, 在校期间只付利息，全额延期支付本金和利息
- 0.50% interest rate reduction for automatic debit
