学生贷款
Degree-seeking 神学院 students who are United States citizens or eligible non-citizens can apply for federal student loans to assist in funding their education. Federal rules require that you enroll in at least four hours of credit for each semester in which you plan to borrow money. 攻读博士或证书课程的学生, 包括属灵指引或城市部证书, 没有资格申请联邦贷款.
North Park strongly encourages graduate students to minimize student borrowing and debt, 尽可能多. 然而, many graduate students do choose to borrow student loans as part of their financial aid packages. All student loans must be repaid; most federal student loans are offered at a significantly lower interest rate than other private loans.
为了探索学生贷款的选择，你必须填写一份 FAFSA 每个学年你都需要贷款. Generally, you will start loan 还款 six months after you graduate or leave school.
请注意，北园不是任何学生贷款的贷款人或服务商. 如果你获得了学生贷款, 你有责任提交正确的, 提供给您的贷款方/服务方的当前地址信息. 当你离开北公园并进入时，这一点尤为重要 还款. 姓名和地址信息将在北公园更新 不 转发给您的贷方/服务商.
研究生联邦无补贴斯塔福德贷款
研究生可能有资格获得联邦无补贴的斯塔福德贷款. 利息将在贷款的整个期限内产生, 但是你不需要在上学期间支付利息.
The amount of money graduate students can borrow in Stafford Loans is set by the federal government, 但它直接与你的学术课程的出勤成本挂钩. 因此，它在大学的研究生课程中变化很大. Your admissions recruiter and the Financial 援助 Office can give you more information about how much loan money you may qualify for.
斯坦福大学研究生贷款，在7月1日或之后发放, 2022年的利率为6.54%
发起费(有时称为贷款费)将是1.2022年7月1日或之后首次发放的贷款为0.57%.
You do 不 have to make payments on your Stafford Loans while you are in school. Repayment begins six months after you cease to be enrolled at least half-time (six credits for undergraduate students; four credits for graduate students), 并且至少持续10年. 然而, your loan servicer may provide other options for deferment or graduated 还款 depending on your financial circumstances when you are no longer is school. 提前付款没有罚款.
如果你以前从未借过联邦斯塔福德贷款, 则必须填写直接贷款主本票(MPN). 您还必须完成直接贷款入学咨询. 这两项都可以使用你的FSA ID在线完成. These documents only need to be completed one time (rather than annually, like the FAFSA). They will be good for all of the Stafford Loans that you borrow while attending North Park.
这两个项目, MPN和入学辅导, must be received by the Financial 援助 Office before your loan can be processed.
毕业生PLUS贷款
如果你是研究生, 你已经借了联邦斯塔福德贷款的年度限额, 然后你可以申请 毕业生加分贷款这是一种由联邦政府担保的信用贷款.
- 当前的利率是固定的.54%. Loans first disbursed on or after July 1, 2022, will have an origination fee of 4.228%.
- Repayment begins 60 days after the final disbursement has been sent to North Park and the 还款 term is up to 10 years. You do have the option to defer payment while you are enrolled at least half-time (four credit hours per semester). 您可以在完成后选择此选项 PLUS贷款申请 or by contacting Direct Loan Servicing at (800) 557-7394 after the loan has been disbursed. 提前付款没有罚款.
- Two documents must be completed for this loan to be processed: the Grad PLUS贷款申请 and, 如果你的贷款被批准了, 毕业生PLUS贷款主本票. 两者都是使用您的FSA ID在线完成的.
私人贷款
We recommend exhausting all federal financial aid options before applying for a private loan as private loans are 不 regulated by North Park or the government. They are often 不 as favorable as the PLUS and/or unsubsidized Stafford Loans in terms of fees, 利率, 还有还款时间表.
If you do determine that you need to access a private loan as part of your college funding plan, 以下细节很重要，需要考虑:
- Most dependent students will need a credit-worthy cosigner to be approved for a private loan.
- The application process and terms of the loan (interest rate, 还款 terms, etc.)是在个人基础上设定的, 并且通常与借款人及其担保人的信用有关. Make sure you read and understand all of the terms of the loan before you agree to borrow these funds.
- 一些私人贷款需要学校认证, so the loan is added to your account as pending aid and the funds are sent directly to North Park. 其他人没有，所以资金直接寄给你. 一旦你收到贷款资金，直接发送给你, 你必须用现金/支票付款到北公园. Be advised that direct-to-consumer loans are often more expensive than loans that require school certification.
- ELMSelect provides a valuable tool for finding the right private loan to meet your needs.
出口咨询
离开北园的学生 要求 完成联邦学生贷款的退出咨询(斯塔福德大学), 珀金斯, 护理贷款, 如适用). Exit counseling will explain to you your rights and responsibilities as a student loan borrower. 虽然你可能已经还清了贷款, 与你的贷方和服务机构进行付款安排, 或者将在其他地方继续你的教育(这意味着你会 不 此时开始还款), this exercise will provide you with valuable information about your student loans.
It is likely that you have borrowed multiple types of federal and/or private loans. You may have borrowed funds from a variety of lenders or loans may have since been sold to a不her lender/servicer. It is important to keep track of what you borrowed and who currently owns your loans so that you remain current on your accounts. 您可以访问您的联邦贷款历史 在线. 您将需要您的FSA ID来访问您的记录.
- 退出咨询可以在网上完成. You must complete an exit session for each loan type that you borrowed while at North Park as each program has its own rules and regulations. 财务援助办公室将以电子方式接收您的信息.
- 斯塔福德贷款退出咨询会议可以做 在线. 您将需要您的FSA ID来完成咨询.
- 所有珀金斯和联邦护理贷款退出咨询会议完成 在线.
在你离开北公园进入还款前，最后要提醒一句: Please make sure that you keep your contact information up to date with your lender/servicer. 姓名和地址信息将在北公园更新 不 转发给您的贷方/服务商.