贷款

教育贷款是一种必须偿还的经济援助，有利息.

资格可能基于出席费用和贷款的经济需要. 每种贷款类型都有一定的资格要求和必须满足的条款.

Federal 贷款

Federal Direct Subsidized 贷款

Federal Direct Subsidized 贷款 (Subsidized 工作人员ord 贷款) are need-based, available only to undergraduates, 如果学生在学校注册了至少一半时间或在延期期间，则不产生利息.

How to apply

Students must complete a Free Application for Federal Student Aid and other forms as required.
Borrowers must complete an entrance counseling 和一个 Master Promissory Note.

Maximum award amount

一年	Dependent Students	Independent Students
新生	$3,500	$3,500
二年级的学生	$4,500	$4,500
初中 & 老年人	$5,500	$5,500

Loan repayment

终止学业或停止半日学籍六个月后, repayment of your loan(s) begins. 在大多数情况下，还款必须在10年内完成.

所有联邦补贴直接贷款的借款人必须在毕业前完成离职面谈, withdrawal or leaving Frostburg State, 尽管他们可能计划在未来的某个时候回来.

Federal Direct Unsubsidized 贷款

联邦直接无补贴贷款(无补贴的斯塔福德贷款)不以需求为基础，在学生入学期间会产生利息. 这项贷款适用于本科生和研究生/专业学生.

How to apply

Students must complete a Free Application for Federal Student Aid and other forms as required.

Maximum award amount

一年	Dependent Students	Independent Students
新生	$5,500 ($3,500 subsidized)	$9,500 ($3,500 subsidized)
二年级的学生	$6,500 ($4,500 subsidized)	$10,500 ($4,500 subsidized)
初中 & 老年人	$7,500 ($5,500 subsidized)	$12,500 ($5,500 subsidized)
Graduate/Professional	不 applicable	$20,500

Aggregate Loan Limits

你可以为本科和研究生学习借贷的总金额有限制(总贷款限额).

本科生独立学生贷款每年按年级限制, 不 to exceed $31,000 ($23,000 of which is subsidized loans).
本科独立学生借款不超过57美元,500 ($23,000 of which is subsidized loans).
研究生贷款不超过$138,500 ($65,其中500是补贴贷款)，包括本科生贷款余额.

Federal Direct PLUS 贷款

Direct PLUS 贷款适用于本科生的家长(Parent PLUS)以及研究生和专业学生(Grad PLUS)。. 直接PLUS贷款在贷款期间有固定的利率. 您可以收到的最高PLUS贷款金额是出勤费减去收到的任何其他经济援助.

Loan repayment

家长PLUS贷款的还款在贷款全部发放后开始, 除非借款人和贷款人之间有特别安排.

For Grad PLUS loans, 你在毕业六个月后才需要开始还款, 离开学校, or drop below half-time enrollment.

Federal Loan Requirements

所有申请联邦贷款的学生和家长都必须填写 Annual Student Loan Acknowledgement (ASLA) 在任何学生或家长贷款资金可以发放之前，至少每个奖励年度一次. By completing the ASLA, 你承认你明白所有的贷款都必须偿还, 还有你目前欠了多少联邦贷款. When completing the ASLA, you will be given data about FSU, 比如成本, graduation rate, 每个学生的平均债务总额是基于每个学生当前的学习项目. 您还将获得估计的每月贷款付款, 到目前为止你所借的贷款金额, 以及项目借款限额(终身总贷款限额).

Alternative 贷款

另类贷款是私人教育贷款，不受联邦政府监管. 费用、利率和还款期限由贷款人设定. 这些贷款只是澳门十大赌城官方网站办公室在万不得已的情况下才推荐的.

Self-Certification

所有申请私人贷款的学生都必须填写一份自我证明表格，并在贷款获得批准之前将其交还给贷款人. This form will be provided to you by your lender; however, you may also obtain the form from us.

Self-Certification Form

List of Alternative Loan Lenders

The university makes a list of several alternative loan lenders that are frequently used by our students. Please keep in mind that you are 不要求使用此列表中显示的贷方之一，弗罗斯特堡州不认可任何特定的私人贷款公司. These lenders are presented for informational purposes only. 以下将使您能够比较受欢迎的私人贷款机构, 如果你选择申请，他们也会给你提供他们的澳门赌城官方网站.

Alternative Loan Lender List

Frostburg State adheres to the Maryland's College Loan Code of Conduct.

出现在名单上的贷款人之所以被选中，是因为他们符合精心挑选的标准，并提供澳门十大赌城官方网站认为对澳门十大赌城官方网站学生有益的服务.