贷款项目

Eligibility for federal loan programs is determined by evaluation of the student’s income and assets as declared on the Free Application for Federal Student 援助. Need-based financial aid offers are subject to the federally defined data verification process, which requires some students to submit a tax return and other supporting documentation. The amount of student debt load varies considerably, depending upon the type of loan(s) a student obtains, the student's intended course of study, 以及学生的借阅需求.

联邦直接贷款计划

联邦直接贷款 are low-interest loans for students and parents to help pay for the cost of a student's education after high school. 贷款人是美国.S. Department of Education (the Department) rather than a bank or other financial institution. 欲知更多有关 联邦直接贷款. Please do not submit a Parent PLUS application before July 1 for the following academic year.

审查披露

When considering the amount of loan funds you wish to borrow, it is important to consider not only tuition and fees, but also additional budget items such as housing and food, 运输, 书籍和用品.

请注意: A loan fee is not the same as its interest rate. The loan fee (for the 2023-24 academic year the fee is 4.228 percent) is deducted from the amount borrowed at the time of origination. The loan proceeds sent to 十大赌博靠谱信誉网站 (the net amount) will be the loan amount requested less the fee. Actual offered loan amounts may be limited by the calculated cost of attendance, 年级水平, 注册状态, 总限制, Expected Family Contribution (EFC), 或其他资格标准.

Actual loan amounts may vary slightly, due to rounding with the calculator. The calculator is intended to provide an estimate only. Additional information regarding the loans present in this calculator can be found at studentaid.政府.

(*四舍五入到最接近的美元. Actual amounts may vary slightly due to rounding.)

Compare Private Loans with Credible

Credible is the only student loan comparison tool that enables students and parents to compare unbiased, personalized and prequalified rates with no hidden fees and no impact to their credit. 可信的不是贷款机构或银行, we simply partner with the top student loan providers to offer a variety of competitive options . When considering a private student loan, 比较价格是很重要的, terms and repayment options across multiple lenders to ensure you get a loan that fits your financial situation. Credible is free to use and your information will remain secure. You can find out more about Credible and begin the process at 可信的.com/spfldcollege.

其他贷款计划

Borrowers can apply for non-federal educational loans from the lender of their choice if additional loans are needed.

Please do not submit a non-federal loan application before July 1 for the following academic year.

审查推荐的贷款人

Our recommended lenders meet the basic criteria listed below.

• Federal loans are almost always better for the borrower than non-federal loans. Please explore the use of all federal aid, 奖学金援助,  和机构, 状态, and private grant aid before applying for a non-federal loan.
• A student or parent borrower may choose any lender even if not included on the list. We urge you to carefully compare benefits and responsibilities before choosing a lender. Many 状态s have 状态 agencies that provide educational loans at competitive rates and benefits. It's recommended that you research what is offered in your 状态.
• The lender list was developed based on information provided by lenders on terms and conditions favorable to the borrower. This includes competitive interest rates, 费用的支付或减少, 优质贷款服务, sufficient minimum and maximum annual loan limits to cover average needs, and reasonable customer service call center hours and wait times, 贷款人报告.
• Some lenders offer loans to cover past due balances or offer loans to international students. Please research products offered by individual lenders if you are seeking a loan for one of these purposes. All loans for international students require a co-signer who is a U.S. 公民(或美国).S. 永久居民(部分贷款).
• Lenders that have borrower reported issues that have not been resolved to the satisfaction of the College will be removed from the list.
• The list of lenders is offered in random order on ELM Select. A borrower can choose any lender and is not limited in any way to lenders on the list.