联邦家长附加贷款
Parents wishing to borrow the Parent PLUS Loan must be U.S. 公民, 可能是生物性的, 收养, or stepparent of the dependent student, and do not have to be the same parent used on the FAFSA – though they likely will become the FAFSA parent in subsequent years based on their support of the student's education.
整体, the parent loan is a helpful way for families to address educational expenses through a low-interest loan that spreads costs over a longer period and allows for manageable, 按月支付.
金额及条款
父母可以借到 出勤费用 minus all other financial aid the student will receive. The remaining 出勤费用 is available within 催化剂 (催化剂.350store.com).
- 转到“我的财务”页面.
- Hit "Manage 金融援助" and then "View 金融援助."
- 选择您希望回顾的年份.
- Use the "金融援助 Summary" link toward the bottom of the display to see your 出勤费用, 援助的总结, 剩余的财政需求. Your maximum PLUS eligibility is your 出勤费用 minus your aid.
Families can use their bill with their financial aid offer to calculate a PLUS amount to meet billed costs. Also, you can 联系注册服务 at 513-556-1000 or enrollmentservices@350store.com to help determine a Parent PLUS Loan amount, particularly if you are targeting specific costs to be met with the loan.
联邦贷款有 融资费用，贷款是 利率 is set annually for the life of the loan and begins accruing on the date of the first loan disbursement. 还款 on the loan begins 60 days after the final payment of that year's loan, though a deferment option can be exercised. Further information about repayment and deferment options will be sent to you from the assigned Direct Loan Servicer.
The 联邦家长附加贷款, unlike student loans, is credit-based. The borrower will be reviewed for adverse credit including past credit on-time payment history.
申请家长PLUS贷款
The 联邦家长附加贷款 process begins at studentaid.政府 where the parent will log on using their Federal Student Aid (FSA) ID.
- Complete credit check for loan approval.
- Click on the tab that says "Parent" and select "Apply for a PLUS Loan."
- 填写申请表并提交.
- For amount you can specify an amount to borrow for the year or indicate "maximum eligibility."
- Credit check information is only valid for 90 days.
- 有限的选择 are available if the loan is denied based on credit.
- Sign a PLUS Master 本票 (MPN)*.
- Because an MPN is a multi-year loan agreement, parent borrowers who have an active MPN on file with that student will not need to complete a new MPN following loan approval.
- If an MPN is needed, follow the links for the MPN in the approval.
- 你也可以去 studentaid.政府 and tab "Parent" to use the link that says "Complete a Master 本票n for a Parent PLUS Loan."
- Complete the MPN providing all required information.
- Electronically sign your MPN using your Federal Student Aid (FSA) ID.
UC will be informed of your loan approval and completion of the MPN. 学生资助 will then process the Parent PLUS Loan that will show as part of the student's award offer. The amount of the loan will be based on the amount requested on the MPN or the maximum eligibility, 取较低者. It is then certified by UC and set for disbursement at the appropriate time. This process of awarding and certifying the loan can take up to 10 business days following the completion of the parent's process at studentaid.政府.
In cases of increases or decreases to a Parent PLUS Loan already certified by UC and showing on the award offer, 请 联系注册服务.
PLUS信用咨询
PLUS信用咨询可在 studentaid.政府. PLUS credit counseling may be completed voluntarily at any time by the parent borrower.
PLUS credit counseling is required if the U.S. Department of Education has informed you that you have an adverse credit history and you obtained an endorser or documented to the satisfaction of the Department that there are extenuating circumstances related to your adverse credit history. In these cases, your Parent PLUS Loan will not disburse until the counseling requirement is met.
还款
The 联邦家长附加贷款 is a loan the parent or step-parent of a dependent student can borrow to assist in meeting educational costs. 比如学生贷款, the parent loan has a 10-year repayment cycle and no penalties for early repayment.
Parents are encouraged to begin payments as soon as the loan is issued to reduce the overall cost of the loan.
Parents do have the option to defer repayment until 6 months after the student graduates or drops below 半场. 然而, interest will accumulate and capitalize onto principal (meaning interest-on-interest) if at least interest-only payments are not made. Deferment requests are made when completing the online application or by contacting your loan servicer.