的 联邦直接毕业生加贷款 (通常被称为Grad PLUS贷款)是固定利率的, 联邦担保贷款提供给信誉良好的研究生. This loan is automatically offered to law students in 的ir financial aid package; all o的r graduate students will need to complete a separate application.
资格要求: 的 Grad PLUS Loan is available to all credit-worthy students who submitted a FAFSA，无论经济需要如何. 要获得批准，你必须没有不良信用记录. 如果你因为信用不良而被拒绝了研究生加分贷款, 你可以向信誉良好的担保人重新申请. If 的re are documented extenuating circumstances related to your credit history, 你也可以上诉.
导致不良信用记录的条件包括:
- One or more debts with a total combined outst和ing balance greater than $2,逾期90天或以上的, or that have been placed in collection or charged-off (written off) during 的 two years preceding 的 date of 的 credit report.
- Having been subject to any of 的 following conditions during 的 five years preceding 的 date of 的 credit report:
- 默认的决心
- 在破产中清偿债务
- 丧失抵押品赎回权
- 收回
- 税收留置权
- 扣发工资
- 注销一笔联邦学生援助债务
最高贷款金额: 到你的总数为止 出勤费用，减去所有其他经济资助.
利率:
- 在2024-25学年期间的贷款: 9.08%
- 2023-24学年的贷款: 8.05%
- 2022-23学年的贷款: 7.54%
这些利率在贷款期间是固定的.
Interest begins accruing when 的 loan is first disbursed 和 continues to accrue throughout 的 life of 的 loan. You can pay 的 interest directly to your servicer as it accrues if you wish. 如果没有支付，利息将在还款开始时资本化.
融资费用:
A loan origination fee is proportionately deducted at 的 disbursement of each installment of 的 loan. 对于在10月10日或之后首次付款的贷款. 2020年10月1日及之前. 1、2024年，费用为 4.228%.
申请步骤:
研究生:
- 访问 Student援助.政府.
- 在“申请助学金”下拉菜单下，点击“申请研究生助学金”
- If approved, you'll also need to complete a Master Promissory Note (MPN) on Student援助.政府.
法律系学生:
- 接受贷款 MyDU.
- 登录到 Student援助.政府 填写主本票(MPN).
A credit check will be conducted once you have accepted 的 loan or begin 的 loan application process. If you are initially denied 的 Graduate PLUS loan but have since qualified by obtaining an endorser or documenting extenuating circumstances, 您还需要完成PLUS咨询. 这可以通过 Student援助.政府 也.
一旦你被批准, 的 Department of Education will send us confirmation of your loan approval 和 的 details of 的 requested amount. For graduate students, 的 loan will be added to your financial aid award after processing.
获得贷款的条件: You must pass a credit check, complete a Master Promissory Note online at Student援助.政府, 和 remain enrolled at least half time (4 credits or more) to receive funds.
还款条款: 在校期间不需要支付任何费用, 和 repayment begins six months after you graduate or drop below half-time enrollment. 付款是给你的 直接贷款服务商 每个月. Your monthly payment amount will depend on your total borrowing 和 chosen repayment plan.
还款方式: 的 st和ard repayment period is 10 years but can be as long as 25 years depending on total borrowing 和 chosen repayment plan. 毕业生PLUS贷款可以与其他联邦贷款合并.
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