联邦直接附加贷款

+贷款是一项由美国联邦政府资助的贷款.S. 教育部. 学生 must be enrolled at least half time (6 undergraduate units or 4 graduate units).

+贷款有两种类型:

• Parent + 贷款: For parents/stepparents of dependent undergraduate students. 继父母 are eligible as long as their information is included on the Free Application for 联邦学生援助(FAFSA). 
• Graduate/Professional + 贷款: 学生 must be accepted and enrolled in a master's 学位课程. 

申请的最后期限

2023-24申请截止日期:

• 2023年12月8日:仅适用于2023年秋季学期  
• April 26, 2024: For full academic year loan, or Spring 2024 only

如何申请

申请家长+贷款

步骤1: 

• 学生接受My菠菜网lol正规平台提供的+贷款.
• 接下来，借款人(父母或继父母)去 StudentAid.政府 
• Under "Apply for Aid," click on "Apply for a Direct Parent + Loan"
• “直接加贷”贷款申请类型，请选择“开始”
• 家长使用您的个人FSA ID和密码登录
• 选择颁奖年度. 通常，该流程在7月份可用.
• 学校名称:圣何塞州立大学
• Parents: You will be asked if you would prefer to have any credit balance (refund after fees have been paid to the school) sent to either you (the parent borrower) or directly 给你的学生. You will also be asked if you wish to request for a deferment (postp一个ment) of your loan payment while your student is enrolled, as well as if you wish to request a 6 month deferment if your student ceases to be enrolled at least half time. 
• Loan Amount Requested: Indicate the amount you wish to borrow. 你可以要求任何 amount not to exceed the maximum amount offered on your student’s My菠菜网lol正规平台 获奖通知.

步骤2: 

• After the credit is approved, first-time + Loan borrowers must also complete a 主本票 (或然数). If you completed an MPN for a previous San Jose State University + Loan, 您可能不需要完成此步骤.
• 去 StudentAid.政府. 在“完成援助过程”下，点击Parent + MPN.
• Log in with your personal FSA ID and Password and follow the prompts. 
• 尽早申请+贷款! 申请后，贷款程序最多需时3周 提交. 

申请研究生/专业+贷款

在接受贷款后 My菠菜网lol正规平台，信用检查将自动处理. 学生将接受交流 from the 教育部 regarding the credit approval/denial. 如果信用 is approved, this indicates you are eligible to borrow the Graduate + loan.

首次毕业生+贷款借款人必须完成 贷款入学辅导. If you completed 贷款入学辅导 for a previous San Jose State University 毕业生加贷款，你可能不需要完成这一步.

1. 去 StudentAid.政府 

2. 在“完成援助过程”下，单击Grad + MPN

3. 使用您的FSA ID和密码登录，并按照提示操作

Note: After all the steps are completed successfully, allow up to 3 weeks for processing and for + loan checklist items to be updated from the student's To Do List. 

• 如果我的+申请被拒绝了怎么办?

  • Parents: If selected when applying, the school will offer the student an additional 基于父母信用的无补贴贷款被拒绝.

    For Freshmen and Sophomores, the maximum additional Unsubsidized Loan for the academic 年是4000美元.

    For Juniors and Seniors, the maximum additional Unsubsidized Loan for the academic 年是5000美元.

    选择一-上诉:
    向法院提出上诉 联邦学生资助 网站. Under the "Apply for Aid" tab, click on "Appeal a credit decision" (you 将需要以你的金融服务管理局编号及密码登入).

    If the appeal is approved, you must complete an additional loan counseling known as +信用咨询. +信用咨询 is a requirement if you had an adverse credit history but were able to document extenuating circumstances to the satisfaction 美国的.S. 教育部.
    

    要完成咨询，要到 联邦学生资助 网站. Under the "Apply for Aid" tab, click on "Complete +信用咨询".

    选项2 -背书人:
    家长需完成的步骤:
    在助学处填写一张新的主本票(或然数).政府; under the "Complete “援助过程”选项卡，点击“家长+ MPN”." 

    +信用咨询 is a requirement since your credit was denied. 去到… 联邦学生资助 网站. Under "Apply for Aid" tab, click on "Complete + credit counseling."

    背书人需完成的步骤:
    背书人必须到 联邦学生资助 网站，并创建自己的个人FSA用户ID & 密码，如果他们还没有的话 一个.

    去到… 联邦学生资助 网站. Under the "Apply for Aid" tab, click on "Endorse a + Loan.“美国.S. 部门 of 教育 will have provided an endorser code to the parent borrower after credit 最初被拒绝了. 家长可以在他们的电子邮件中找到这个代码.

• 我的利率和手续费是多少?

  • Interest accrues on the unpaid balance of the loan from the date of disbursement by the school until the entire principal balance is paid in full.

    Failure to make monthly or quarterly interest payments results in the interest being 资本化(加到贷款本金中).

• 我有资格借多少钱?

  • Unlike other types of financial aid, the + Loan is not need based. 的最大 eligibility amount is determined 由学生提出's 出勤费用 minus any financial 据说这个学生获得了奖励.

    的 + loan can replace all or a portion of a student's financial aid award. + 申请人可以借到全额 出勤费用 if the student declines all offered student loans (Subsidized/Unsubsidized).

    Parents/Graduate students do not need to to apply for the entire loan amount being offered to the student (refer to My菠菜网lol正规平台 portal for the amount of the + Loan eligible 借用). 家长/学生应计算所需金额.

    Parents: if your student does not intend on using Federal Work Study, you can add 那就是+贷款请求的金额.

     

• 如果我在申请+贷款后改变主意怎么办?
  • Approval of a + Loan application does not commit you to accepting the loan. If approved, you must contact the 财政援助和奖学金办公室 to cancel or reduce 接受的+贷款金额. 你也可以填写+附录表格询问 我们取消贷款(链接到表格即将提供)
• 我将如何收到我的+贷款资金?

  • If the loan is for 一个 semester, the loan will be 支付 in 一个 disbursement. If the loan is a full-year loan, the loan will be 支付 in two increments: first 一半在秋天，另一半在春天.

    If the student owes m一个y to San Jose State University, the university deducts all financial obligations first, and forwards the balance to the borrower.

    For a Parent + loan, a check is sent to the parent if the borrower is the refund 偏好. Otherwise, if the student is the refund 偏好, a check is sent to 启动学生或直接存款. 我们鼓励学生直接报名参加 存款.

• 我什么时候开始偿还+贷款?

  • Repayment and interest will apply to funds after the loan has been 支付. 的 first payment of interest and principal are 由于 within 60 days after the loan is fully 支付.

    An in-school deferment may be requested while the student is enrolled at least half time (6 undergraduate units; 4 graduate/professional units).

    Parents: If the student drops to less than half time or withdraws during the period for which the loan was intended, the entire amount of the + Loan is immediately 由于.

    Graduate/Professional 学生: Interest that accrues will be capitalized if not paid 由学生提出 

• 有问题我该和谁联系?

  • 通过电子邮件联系财务援助顾问琥珀色的 Kizniene 琥珀色的.Kizniene@yscfrp.com.