- 贷款可以让你拖延时间 paying a portion of your education costs until you complete your education or have a change in circumstances.
- 贷款偿还是有基础的 5到10年的计划, usually beginning six to nine months after you graduate, drop to less than half-time enrollment, 或者离开学校.
- 一些贷款提供 多种还款选择.
StudentAid.gov maintains cumulative records for Direct, Stafford, and Perkins loans. A borrower’s loan information will be available to institutions authorized to access this information (such as loan services and lenders). All loans are reported to the national credit bureaus.
本票
Loan responsibilities are described in the promissory notes you will be required to sign if you should choose to borrow. Please read these responsibilities carefully. Be sure you understand all rights and responsibilities before accepting a loan. 如果你想取消的话, 减少, 或者改变你的贷款奖励, you must contact 学生财务服务. (见 修改报价 of Financial Assistance.)
在线查看贷款
Did you know that you can view your federal loans online? 访问 StudentAid.gov, and log in with your federal personal identification number (PIN). Note: Federal nursing loans are not included.
学生贷款倡导者
For information and resources about student loan re付款, or to submit a complaint relating to your student loans or student loan servicer, 请访问 www.wsac.wa.gov / loan-advocacy or contact the 学生贷款倡导者 at loanadvocate@wsac.wa.gov.
SPU code of conduct for student loans
SPU军官, 员工, and agents of SPU who have loan-related responsibilities uphold the following items required by federal regulation:
- SPU没有 and will not assign alternative (private) loan lenders to any borrowers; borrowers have the right and ability to select any alternative loan lender of their choice, regardless of whether they are included in the SPU alternative loan lender list. Further, SPU will award loans from any alternative loan lender selected by the borrower.
- SPU没有 accept private loans conditioned upon using the lender for federal loans.
- SPU没有 and will not receive revenue or enter into revenue-sharing arrangements with lenders.
- SPU的员工则不然 and will not accept gifts of more than nominal value from lenders, guarantors, and loan servicers.
- SPU的员工则不然 向出借人收取, 或贷方的附属机构, 任何费用, 付款, or other financial benefit as compensation for any type of consulting arrangement or contract to provide services to or on behalf of a lender relating to education loans.
- SPU的员工 do not currently serve on any lending institution’s advisory board. When and if SFS 员工 do sit on an advisory board, they are prohibited from receiving anything of value for serving.
- SPU没有 participate in opportunity pools with lenders. (Opportunity pool is defined as a private education loan made by a lender to a student, 或者学生的家庭, that involves a 付款 by the institution to the lender for extending credit to the student.)
- SPU没有 and will not allow lenders to identify themselves as 员工 of SPU; SPU没有 allow 员工 of lenders to work in or provide staffing for SFS.
- SPU禁止贷款 from branding any loans with the identifying markings of SPU.
最新贷款利率
Your counselor in 学生财务服务 can help you understand how different 贷款利率 会影响你的还款计划吗. 问问.
不像其他形式的援助, education loans are borrowing on future 收益 and are an investment in your future. 他们必须得到偿还.
Borrowing loans is recommended only after personal resources and other forms of financial aid have been used. 然而, loans are a helpful tool to many students and their families in paying for a college education.