直接贷款(联邦)

The Direct Loan Program provides low-interest, long-term loans through the University. 这些资金必须偿还. 这些贷款的资金来自银行贷款机构. 这些贷款可以有补贴，也可以没有补贴.

有资格申请联邦直接贷款, students must be enrolled at least half-time (6 units undergraduate 和 6 credential). If you drop below half-time during a semester, the remainder of your loan may be canceled.

如果你决定申请联邦直接贷款, 你将被要求填写一张主本票. 请浏览以下网址: http://www.热门产品.政府 在线填写本票. Special 注意:First-time borrowers at HIU are required to complete an Entrance Loan Counseling session. Students may satisfy this requirement by completing an on-line session via the following web site http://www.热门产品.政府 or students can attend an in-person session by calling our office at (714) 879- 3901, X2202预约.

• 联邦最高限额是:

  $3500 per academic year for the first year of undergraduate study; $4,500 per academic year for the second year of undergraduate study; $5,500 per academic year for the remaining years of undergraduate 和 credential study, 总共不超过23美元,000年补贴.

The interest is fixed based on your disbursement date 和 changes annually. Repayment normally begins six months following graduation or when you cease to be enrolled at least half-time. Payments 和 length of repayment period depends on the size of your debt but must be a minimum of $600 per year. 请参考 http://studentaid.gov 欲知详情. 在特殊情况下, repayment of a 联邦 Direct Loan that is 不 in default may be deferred or canceled. Repayment, deferment 和 cancellation are h和led by your lender or loan servicing center. 如果你有资格获得联邦直接贷款, we have included one (either 补贴 or 未受资助的 or a combination of both) as part of your 金融援助 award.

请参考 the following paragraphs to learn the differences between the 补贴 和 s未受资助的 联邦直接贷款.

• 补贴贷款

  The amount of a 补贴 联邦 Direct Loan you can borrow is the difference between the cost of education 和 your resources (family contribution, 金融援助, 和 any other assistance you receive from the school 和 outside sources). 但是，你的借款不能超过联邦最高限额. 如果你有资格获得补贴贷款, the federal 政府ernment pays the interest for you while you are enrolled at least half time.

• 未受资助的贷款

  The 未受资助的 联邦 Direct Loan is awarded to students who do 不 qualify for the maximum 补贴 loan eligibility. The 未受资助的 loan can replace all or part of the family contribution. 然而, the amount of the loan can不 be more than the difference between the cost of education 和 any financial assistance you will receive from the school 和 any outside source (including the 补贴 联邦 Direct Loan).

如果你是一个独立的胜博发体育app, 你的全部联邦直接贷款(补贴, 未受资助的, or a combination of both) can不 exceed the annual 和/or aggregate federal maximums for these loans. Interest will be charged beginning the day the loan is disbursed to you until the day the loan is repaid in full.

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联邦工作研究(FWS)

The 联邦 Work Study Program (FWS) provides funds to employ students (on-campus or off-campus in selected opportunities) who qualify for 金融援助. Students must be enrolled at least half-time 和 demonstrate 财务需要 (through the need-analysis process ). FWS的奖励通常高达2美元,000; however, requests for increases may be directed to the 金融援助 Office. Hourly wages are paid in compliance with minimum wage laws; students may work from 5 to 20 hours per week, depending upon the supervisor's need 和 the student's work-study award.

免费申请联邦胜博发体育app援助(FAFSA)

联邦 Work Study awards will continue to be offered to students as long as funds 和 job opportunities are available. 联邦 Work study employment is coordinated through the office of 人力资源 和 students must fill out a FWS Job Application via the 希望 FWS Job Application link listed above. The 金融援助 Office will award the FWS funds upon receipt of 不ification that the FWS Job Application has been submitted to 人力资源.

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PLUS贷款(联邦母公司贷款)

PLUS loans are intended to provide a source of financial assistance to parents of dependent students. Parents (with satisfactory credit histories) may borrow up to the estimated cost of attendance each year, 减去给予胜博发体育app的任何经济援助. Interest begins to accrue immediately after the first disbursement. Repayment begins immediately after the final disbursement of the loan occurs, 首付款应在60天内付清. 固定利率是7.21%. 如果你是一个独立的胜博发体育app 和 your parent does 不 qualify for a 联邦 PLUS loan, you may be eligible to borrow an additional 未受资助的 Direct Loan. PLUS loan applications are available in the 金融援助 Office or parents may choose to apply online by visiting www.studentaid.政府.

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教育私人贷款

在做出决定之前，比较私人贷款机构的选择. (查看资料表).