家长PLUS贷款
美国.S. Department of Education is the lender of the Parent PLUS Loan, which can be used to help pay for education expenses not covered by other financial aid.
申请过程
- 去 studentaid.政府 to complete the Parent PLUS Loan application.
- On the homepage, select "应用 for a Parent PLUS Loan" under Popular Topics in the Parent tab. The direct link to the PLUS loan application is also linked 在这里.
- 应用 for Parent PLUS Loan.
- The PLUS application is required annually. Please select the school year you are applying for on the application
- Choose a specific loan amount or the maximum amount, which allows awarding up to student's cost of attendance not covered by other aid
- If a parent borrower is not approved, the student may be awarded additional Unsubsidized Direct Loan of $4,000 for freshman or sophomores, or $5,000 for juniors or seniors.
- 完成一个 Master Promissory Note (MPN) for a Parent PLUS Loan 在studentaid.政府.
- 完整的 PLUS信用咨询 在studentaid.政府.
Eligibility requirements
-
The borrower must be a parent
(e.g., biological, adoptive, or in some cases, step-parent) of a
dependent undergraduate student enrolled at least half-time (6 credits).
- The dependent undergraduate student 必须提交 Free Application for Federal Student 援助 (FAFSA).
-
The student must be making satisfactory 学术的进步.
-
需要进行信用检查.
-
Eligibility is not guaranteed.
Direct Loan PLUS Master Promissory Note
-
The Direct Loan Master Promissory Note (MPN) can be completed at Student援助.政府.
-
MPN is borrower 和 dependent student specific; a parent PLUS MPN is required for each dependent student.
-
第二个MPN will be required if the previous MPN required an endorser or has otherwise become inactive.
还款
- Interest accrual begins when funds are disbursed.
- 还款 begins 60 days after the last scheduled disbursement.
- The parent borrower may defer repayment while the student on whose behalf the loan has been borrowed is enrolled at least half-time, 和 for an additional six months after the student ceases to be enrolled at least half-time. Request this process when applying.