Loans
Funding Your Future
Financial aid can include various loan programs. 有几种类型的学生贷款，包括联邦，州和私人. 与奖学金和助学金不同，贷款是借来的钱，必须连本带利偿还. 如果你决定贷款，一定要了解贷款的条款和条件.
Loans :: Federal Loans
Federal Student Loans
联邦政府提供的贷款通常为借款人提供较低的利率和更灵活的还款选择. 如果学生想申请教育部提供的贷款, 他们必须注册至少六个学分，计入学位课程, complete entrance counseling, and sign a Master Promissory Note (MPN) for the appropriate loan type at studentaid.gov for this type of funding to disburse to their student account.
Please note:如果个人代表学生完成入学咨询和MPN，或者如果学生完成错误的入学咨询或MPN, loan processing may be delayed. Additionally, 受供养学生的家长可申请家长加贷款，以资助学生的教育开支.
Download the Federal Student Loan Comparison Sheet to see how federal loans differ.
联邦直接贷款适用于本科生和研究生以及受抚养本科生的父母.
Direct Subsidized and Unsubsidized Loans
Direct PLUS Loans (Grad PLUS)
Direct PLUS Loan (Grad PLUS)可以用来帮助在符合条件的学校注册至少一半时间的研究生或专业学生获得研究生或专业学位或证书(课程必须要求经济援助资格)。.
Interested borrowers will begin the application and, upon approval, will complete the additional requirement, the Direct PLUS Loan MPN (Master Promissory Note)
一旦收到并处理申请，您的奖励包将在myLEO中更新.
贷款资金将支付到学生的帐户，并在需要时用于支付未偿还的费用. Please direct questions to the Office of Financial Aid and Scholarships at [email protected].
Loans :: Private Education Loans
Private Education Loans
私人学生贷款是由银行或信用合作社等贷款人发放的非联邦贷款. A private loan must be repaid with interest. 私人贷款申请由贷款人完成，通常需要进行信用检查. 建议学生和家长在考虑私人贷款之前，用尽所有的联邦学生贷款选择.
A&M-Commerce does not have contractual agreements with any private lender. 因此，没有首选的私人贷款机构名单、合同或私人贷款背书.
- Interest rates, 此类贷款项目的发起费用和还款费取决于借款人和/或共同借款人的信誉.
- You can borrow up to the estimated cost of attendance at A&M-Commerce, including tuition, mandatory fees, room and board, books and supplies, and even transportation, less other aid received.
- 本科生通常需要与信誉良好的共同借款人一起申请. 研究生可以通过与信誉良好的共同借款人申请获得更好的利率.
- 利率将按月或按季度变化，可能没有最高利率. To reduce the cost of borrowing, consider making in-school interest or interest plus principal payments.
- Repayment generally begins immediately after full disbursement. 一些贷款人可能会在至少半学期入学和经济困难期间推迟还款. However, interest will accrue on the loan from the date it is disbursed. Rules for repayment and deferment vary from lender to lender. Check with your lender for more information.
Choosing a Private Loan
The use of a lender listed on ELM Select is not required. A&移动商务将处理学生选择的任何符合条件的贷款人的贷款. A&移动商务不得拒绝或以其他方式阻碍借款人对贷款人的选择，也不得对借款人选择未在ELM Select上列出的贷款人造成不必要的贷款认证延迟.
Questions to consider when choosing a private loan lender:
- What is the interest rate? Is it fixed or variable?
- What fees must be paid and when are they due?
- What are the repayment terms? Is there a grace period? Are there deferment or forbearance options?
- What will my monthly payment be?
- Do I need to be admitted to a degree or certificate program?
- Do I need to be enrolled at least half time?
- 如果有一个令人满意的学术进步要求，我符合要求吗?
- Can the loan be applied to past periods of enrollment? 如果是，如果学生仍然在A就读，他们必须在什么时间内申请&M-Commerce? 如果学生从A级退学或从A级毕业，他们必须在什么时间内申请&M-Commerce?
财政援助和奖学金办公室很乐意协助您的私人教育贷款流程. 请注意，我们办公室不会自动完成民办教育贷款的学校认证. Certification requests must be made by you, the student. The application cannot be completed for multiple award years. 在申请私人教育贷款之前，我们希望确保您了解各种联邦和州财政援助计划.
当有一项已批准的私立教育贷款正在等待学校认证时，或者如果你对私立教育/替代贷款有疑问，你应该皇冠体育365的办公室. Please send your inquiry or notice to [email protected]. A couple of points to remember:
- If you haven’t already applied for federal and state financial aid, you’re encouraged to do so by completing the FAFSA/TASFA.
- Once the FAFSA/TASFA has been received by A&如果满足了移动商务和所有必要的要求，你可能会获得经济资助. 我们建议你推迟申请私人教育贷款，直到你审查你的经济援助计划.
Responsibilities of the Borrower
在认证和支付任何私人教育贷款之前, you will receive an email notifying you that certification is complete. The email includes a link to the self-certification form. 此表格是必需的，一旦填好，必须寄给你的贷款人.
- Follow the instructions included in the self-certification form.
In order to complete Section 2 of the form, you will need to access your A&按照以下说明，学习移动商务的费用和估计的经济援助: - Log into your myLEO account. Select the “Student Resources” tab. Select “Your Financial Aid.” Select the correct award/aid year from the menu on the top right. 选择“奖励优惠”选项卡，向下滚动到标题为“出勤费用”的第三部分.”
- 在第2节的“出席费用”(COA)细目的末尾输入总数, 表格A项(例如:仅限秋季的私人贷款将要求您提供每个类别中该期限的金额总和).
- Below the “Cost of Attendance” section, 把经济援助奖励加起来(“支付大学学费的助学金和奖学金”), “Work”, “Loans”, (“其他资源”)，并在第2条中输入总金额作为您的估计经济援助, 表格B项(例如:仅限秋季私人贷款将要求您提供仅限秋季的总金额). 如果你已经申请了经济援助，但还没有收到奖励，请报告0美元. Please reach out to [email protected].
- Complete Section 2, Item C using the formula on the form.
- Complete Sections 3 and 4 and submit to the lender. Do not submit this form to Financial Aid and Scholarships.
- If you have any questions, please email [email protected].