Yahu785 Miscellaneous ederal 學生貸款與私人學生貸款——哪個最適合我?

ederal 學生貸款與私人學生貸款——哪個最適合我?

聯邦貸款
如果你需要貸款來幫助支付你的教育費用,來賓發帖你應該首先查看聯邦貸款。 聯邦貸款是教育貸款的最大來源,是為需要教育資金的學生設計的低利率長期貸款。 與其他借貸方式相比,它們有幾個好處,包括

-較低的利率
– 推遲付款的選項
– 更長的還款期限
-更簡單的信用要求

其中一些貸款(例如聯邦珀金斯貸款和補貼的聯邦斯塔福德貸款)循環型信貸是什麼 的資格是基於需求的,而其他貸款則不是。 您需要完成 FAFSA 才能申請這些貸款。

下面列出了最常見的聯邦學生貸款:

聯邦帕金斯貸款
聯邦珀金斯貸款是一項低息貸款,根據 FAFSA 上提供的信息,提供給有特殊經濟需求的學生。 本科生每年最多可以藉到 4,000 美元,而研究生每年最多可以藉到 6,000 美元。

聯邦斯塔福德貸款
聯邦斯塔福德貸款適用於本科生和研究生。 貸款金額取決於學生在學校的年級以及他們在經濟上是依賴還是獨立。 你所在大學的財政援助辦公室決定你的資格。

斯塔福德貸款可以有補貼或無補貼。 財務需求決定了學生有資格獲得哪種類型。 貼息貸款是基於經濟需要。 學生在校、延期和寬限期內,政府支付利息。

無補貼貸款適用於所有學生,無論收入如何。 學生對所有興趣負責。

聯邦加貸款
聯邦 PLUS 貸款(本科生家長貸款)是一項面向家長的低息教育貸款。 每年,父母最多可以藉到出勤費用減去收到的其他經濟援助(獎學金、助學金、學生貸款等)。

PLUS 貸款不是基於經濟需要。 合格的申請人必須通過信用檢查。
私人貸款
私人貸款旨在補充聯邦貸款計劃,可從學校、銀行和教育貸款組織獲得。 它們通常用於支付聯邦援助無法支付的教育費用。

這些貸款的條款因貸方和您的信用記錄而異。 當您考慮申請私人貸款時,請記住這些事情:

– 私人貸款有信用要求,你可能需要一個共同簽名人
-貸款人決定利率和費用,這可能會受到您的信用評分的影響
– 私人貸款可能不提供延期選項
– 私人貸款計劃可能會為藉款人提供優惠,例如利率折扣或回扣

無論您申請哪種貸款,都要謹慎並明智地借貸! 所有貸款都必須償還,無論是聯邦貸款還是私人貸款。

本文由 NextStudent 發布。 在 NextStudent,我們相信接受教育是您可以做出的最佳投資,我們致力於通過盡可能輕鬆地資助大學來幫助您實現您的教育夢想。 我們邀請您在 http://www.NextStudent.com 上了解有關聯邦學生貸款或私人學生貸款的更多信息。

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