You must complete the Free Application for Federal 学生援助 (FAFSA) to be considered 联邦直接贷款. Beginning with the 2010/11 academic year, 十博客户端网站 University 将参加威廉. 福特联邦直接贷款计划. 学生 previously borrowed Stafford 贷款 through the Federal Family 教育 Loan (FFEL) Program, as well as new borrowers, will now receive Federal Subsidized 和 Unsubsidized 通过直接贷款计划贷款. 在这一计划下，美国政府. S. 部门 教育 lends the money to students through the school.
贷款 will no longer be offered through private lenders: banks, credit unions 和 其他贷款机构. When instructed by the 十博客户端网站 University 金融援助 Office, all new 和 previous borrowers must complete Entrance Counseling 和 a Master 本票(或然数). The Entrance Counseling session 和 the 或然数 can be completed 电子通过 学生贷款 网站. 请允许30-45 minutes to complete the Entrance Counseling session 和 或然数.
You must have an FSA ID to complete the Direct Loan process electronically. 创建 或编辑FSA ID，访问 在这里. If you created an FSA ID to complete the Free Application for Federal 学生援助 (FAFSA)或访问另一个U.S. 教育部网站，你会的 use the same ID to complete the Direct Loan process. 有关 student loans, visit Applying for 联邦直接学生贷款.
另一种选择 loan is a private loan designed to bridge the gap between educational expenses 和 traditional financial aid resources. 十博客户端网站鼓励所有学生申请 for federal 和 state financial aid by completing the FASFA.
You may want to consider an alternative loan only after exhausting all other financial aid options, such as scholarships, grants, 和 Federal Direct 贷款. 另一种选择 loan when combined with other financial aid cannot exceed the cost of education as 由大学决定. T在这里 are a number of alternative loan programs available. Only you can decide which option best fits your financial situation. 你有 right to select any lender you wish for an alternative loan. 以下列出的贷款人 have provided alternative loans to 十博客户端网站 University students in the past three years.
Charter One Fifth Third Bank
Citibank PNC Bank
Citizens Bank Sallie Mae
When considering consolidation of student loans, borrowers should be aware that federal student loan interest 率s are subject to change every July 1. 你可以锁定这个 low 率 for the life of your student loan through consolidation. 当然,利率 如果再低一点，你就会被锁在外面.
Borrowers with federal student loans may choose to consolidate their loans to get a single payment 和 extend their repayment period. 然而，借款人应该小心 of consolidations that may result in lost benefits. 贷款减免就是一个例子 为某些教师提供福利. 如果老师已经巩固了他的 or her loans, the loan forgiveness provision may not apply. 低利率出现 because interest 率s on most federal student loans are variable, but the interest 率 on a federal consolidated loan is fixed 和 locked in for the life of the loan. Interest 率s on federal Stafford loans are recalculated annually each July 1, 和 fluctuate with the 率 of short-term federal securities.
Federal Regulations state the interest 率 on a Federal Consolidation Loan disbursed on or after July 1, 1994 shall be the weighted average of the interest 率s on the loans consolidated, rounded upward to the nearest whole percent. 如果你有学生 loans that were disbursed before July 1, 1998, your consolidation 率 could be higher 比3.37%. If the amount of the Federal Consolidation Loan is less than $7,500, the borrower's repayment schedule may not exceed 10 years. 如果你必须巩固， 最好的时间是在宽限期. 这确保了最低的利益 率. To avoid losing any portion of your grace period, enter the grace period end date on the federal consolidation loan application. 别忘了问你是否愿意 lose any loan forgiveness provisions available to Stafford Loan borrowers.
You can also access your loan history with your federal student aid PIN at Student Access to the National Student Loan Data System (NSLDS). 如果你不知道谁服务 你的贷款，联系美国.S. 部门. of 教育 Student Financial Assistance 监察专员 寻求帮助. 美国.S. 部门 教育 offers guidance on student loan consolidation at Federal Stafford Loan Consolidation Information. 您还可以访问您的信息 五大湖高等教育公司.
Students who borrowed loans guaranteed through the Federal Family 教育 Loan Program (FFELP)或威廉. Ford Direct Loan Program must complete 出口咨询 if they graduate, withdraw or attend less than half-time. 离职咨询是个机会 for students to review their rights 和 responsibilities 和 repayment options. 失败 to complete 出口咨询 may result in the withholding of academic records.
You must have an FSA ID to complete 出口咨询 electronically. 创建或编辑 FSA ID，访问 学生援助. If you created an FSA ID to complete the Free Application for Federal 学生援助 (FAFSA)或访问另一个U. S. 教育部网站，你 will use the same ID to complete 出口咨询. 开始退出咨询，转到 学生援助, Sign In, click on Complete Counseling 和 select 出口咨询. 请允许30 几分钟后完成退出咨询. 咨询的结果将会是 转发至十博客户端网站大学.