私人学生贷款
大学学费是许多家庭关心的问题. Most financial aid packages will include student loans; however, federally subsidized and unsubsidized loans may not cover the total cost of college expenses. Consequently, families are faced with the challenge of meeting the cost of their expenses.
私人学生贷款, 也被称为替代学生贷款, 应该在所有其他选择都用尽之后再探索吗. 的y help bridge the gap between the actual cost of your education and the amount the government allows students to borrow through the federal student loan program. Private loans are offered by private lenders and eligibility often depends on credit score. 作为最后的手段, families can turn to private student loans when federal student loans do not cover all of their expenses.
- Consider a private student loan after your federal student loan eligibility has been exhausted, 但是你需要额外的资金来支付剩余的费用.
- Consider a private student loan if you will be enrolled in a Study Abroad program or Aviation flight courses and need additional funds for expenses associated with your program.
- Consider a private student loan if you are unable to enroll half time to qualify for a federal student loan.
- 信息披露形式 - Lenders must provide required disclosures to the student and cosigner, 如果适用的话, at three different times during the private loan origination process:
- 申请及邀请披露 - Provided during the online loan application process or via mail included with the Promissory note.
- 批准披露 - Provided after the loan is approved and the lender has received the promissory note, 申请及招标资料披露, the Borrower Self Certification Form and the school certification. 的 applicant and any cosigner have 30 days to return the approval disclosure.
- 最终披露 - Provided after the lender receives the 批准披露 from the borrower and any cosigner indicating that the loan has been accepted by the student and the cosigner, 如果适用的话. 的 loan will not disburse until at least 3 business days after this disclosure is received by the borrower and any cosigner.
- 借款者自我证明表格 – A credit-approved student borrower must submit a completed borrower self-certification form to the lender before a school certification will be requested.
- 的 借款者自我证明表格 requires information on your cost of attendance, as determined by the school you attend. 请参阅我们的 出勤费用表.
- 时间要求 – 的se federal regulations extend the loan processing timeline so meeting deadlines for specific steps will be critical to the successful and timely disbursement of your loan funds.
- Check to see how frequently your intended lender compounds interest on private loans. A low interest rate that is compounded daily is usually a more expensive loan.
- Interest on a private student loan begins to accrue upon disbursement, unlike subsidized federal student loans which begin to accrue interest after you graduate, drop below half time enrollment and/or have used up your grace period. 这是另一个理由 exhaust your eligibility for federal student loans before taking a private student loan.
- Fees charged by some lenders can significantly increase the cost of the loan. A loan with a relatively low interest rate but high fees can cost more than a loan with a higher interest rate and no fees. (Lenders that do not charge fees often roll the difference into the interest rate.) A good rule of thumb is that 3% in fees is about the same as a 1% higher interest rate.
- Federal student loans also offer better repayment and forgiveness options, another reason to exhaust your eligibility for federal student loans before taking a private student loan.
- Private loans require that you have a credit history and verifiable income; if you do not meet the qualifying requirements, 可能需要联署人. 最好是申请私人学生贷款与共同签署人, 即使你自己有资格获得贷款. 与共同签署人一起申请通常会导致稍低的费率, 因为贷款对出借人来说风险较小.
- Keep in mind that private student loans are only available to students whose cost of attendance has not already been met with other aid.
- BGSU will process an alternative loan from any lending institution. 然而, we have compiled a list of lenders that are most frequently used by 州立鲍灵格林大学 students. 榆树选择 is a private loan selection tool that can help students make a wise choice regarding borrowing an alternative loan. 榆树选择 允许您比较贷款利率，条款和福利.
- 应用 for the loan keeping in mind that credit approvals are good for only 120 days. 的refore, do not apply earlier than 30 to 45 days prior to the start of the semester. 当被要求指定贷款期限时, check our loan period dates (in the table below) to be sure the dates you enter match with BGSU's defined loan periods.
- 您的贷方会给我们发送一份电子认证来完成. 现在，波士顿州立大学需要一个 私人贷款问卷. This questionnaire MUST be completed electronically before BGSU will process your Private Loan certification. 查看MyBGSU待办事项列表项以获取到的链接 私人贷款问卷.
- 一旦 私人贷款问卷 has been completed, BGSU will complete the certification and return it electronically to your lender.
- Keep in mind the new disclosure requirements (described above) will add to the processing time. 取决于你的贷款人, the process can take 3 to 6 weeks from the time you apply until receipt of funds. 您的贷方将以电子方式将您的贷款收益发送给BGSU.
贷款期限为2024-2025年 |
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| 仅限2023年夏季 | 05/06/2024 – 08/16/2024 |
| 夏季/秋季 | 05/06/2024 – 12/13/2024 |
| 夏天/秋天/春天 | 05/06/2024 – 05/02/2025 |
| 仅2023年秋季 |
08/26/2024 – 12/13/2024 |
| 秋天和春天 | 08/26/2024 – 05/02/2025 |
| 仅限2024年春季 | 01/06/2025 – 05/02/2025 |
更新日期:2024年4月18日下午12:47