Loans
William D. Ford Direct Loan Program
The University participates in the William D. 在福特联邦直接贷款计划中，借款人直接从美国政府获得贷款资金.S. Department of Education.
Federal Direct Loans for Undergraduate Students
Students who file a FAFSA 注册至少一半的学生可能有资格获得直接贷款，这是一种长期的低息贷款.
Undergraduate students who demonstrate need, according to the federal need analysis formula, may qualify for a subsidized Direct Loan. 联邦政府在学生至少入学一半的时间内支付补贴贷款的利息. 不符合补贴直接贷款资格的学生可能有资格获得无补贴直接贷款. 在学生入学期间和整个贷款偿还期间，利息累积在无补贴贷款上.
The interest rate for subsidized and unsubsidized loans for undergraduate students is fixed at:
| Academic Year | Rate |
|---|---|
| 2024-2025 | 6.53% for loans first disbursed on or after 7/1/2023 and before July 1, 2024 |
有资助及无资助直接贷款的本金须在借款人停止注册至少一半时间后六个月开始偿还.
First-time borrowers must complete two requirements to accept Federal Direct Loans. 入学咨询提供关于学生借款人的权利和责任的信息. 主本票(MPN)是学生偿还贷款的法律承诺. Both items can be completed at StudentAid.gov.
以下图表概述了学生可以从联邦直接贷款计划(有补贴和无补贴的总和)中借款的年度和总额。.
| Grade Level | Dependent Students | Independent Students |
|---|---|---|
| Total Undergraduate | $31,000 | $57,500 |
| Freshman | $5,500 | $9,500 |
| Sophomore | $6,500 | $10,500 |
| Junior | $7,500 | $12,500 |
| Senior | $7,500 | $12,500 |
Please note: With both subsidized and unsubsidized Direct Loans, 在任何贷款款项送到推荐十大赌博靠谱网络平台之前，从贷款总额中扣除费用. The current loan fee is 1.057%.
Federal Direct PLUS Loan for Parents
受供养本科生的家长可代子女申请直接PLUS贷款. The applicant must be the biological or adoptive parent; in some situations, a stepparent may apply. PLUS loans have a fixed interest rate of 9.08% for loans first disbursed on or after July 1, 2024 and before July 1, 2025. There is a 4.228% loan fee. 在贷款全部支付后60天开始偿还本息. Deferment 如果家长不希望在学生毕业后至少半年的时间里支付学费，他们是否可以这样做, leave school, or drop below half-time enrollment. Check with the loan servicer for information.
To apply, 家长必须在网上提交PLUS贷款申请*并签署主本票(MPN) StudentAid.gov. 学生金融服务办公室将于5月开始处理夏季入学的贷款申请，6月开始处理秋季入学的贷款申请. 一旦处理完毕，将会有一封电子邮件发送给学生，指导他们在线查看他们的奖项. The Department of Education will notify the parent if they are approved or denied. 建议提交PLUS贷款申请的截止日期为即将到来的秋季学期的6月30日. 这应该允许有足够的时间来发起贷款(如果批准的话)，并使其出现在秋季账单对账单上.
If a parent is denied, there are two options for loan funding. The student may borrow an additional $4,000 (first year and sophomore students) or $5,000 (junior and senior students) from the Direct Unsubsidized Loan. Or, the parent can choose to have a credit-worthy individual endorse the PLUS Loan. 有关获得PLUS贷款背书人的说明将发送给家长. 当PLUS贷款被拒绝时，学生金融服务办公室将自动将额外的无补贴贷款金额奖励给学生援助，并且家长将不会继续申请PLUS贷款. Students have the right to reduce or decline the additional Unsubsidized Loan.
*For Summer periods of enrollment, 家长应在5月1日或之后填写PLUS申请和主本票(MPN). For Fall and Spring periods of enrollment, parents should complete the PLUS application and MPN on June 1st or later. A credit check will be done once a parent applies; the credit is valid for 180 days. If approved, the loan must disburse before the credit check expires.
Private Loans
为需要额外经济援助的学生提供各种私人贷款. 我们强烈建议学生在考虑私人贷款之前先申请联邦贷款. 私人贷款是商业贷款，通常需要信用检查和/或信誉良好的共同签署人. The interest rates can be fixed or variable.
We have included several lenders on our private loan list. They were selected based on their loan fees, rates/terms, and customer service. Please note that Xavier will process an private loan from any lender. 要求的金额不能超过出席费用减去其他财政援助来源. Additional Information on private loans and lenders is available online at the FastChoice website.
决定申请私人贷款的学生将直接在贷款人的网站上申请. The lender will notify us if the student has been approved. If a loan has been approved, 学生金融服务办公室的工作人员将证明贷款(如果学生已注册课程)。. 贷款款项将于开课前5-7天发放至学生帐户.
贷款申请和学校认证过程通常需要2-3周. 对于即将到来的秋季学期，建议学生提交私人贷款申请的截止日期为6月30日. 这应该有足够的时间让贷款得到认证(如果批准的话)，并出现在秋季账单对账单上.
Nurse Education Assistance Loan Program (NEALP)
护士教育援助贷款计划(NEALP)为在经批准的俄亥俄州护士教育计划中注册至少一半时间学习(或接受注册)的俄亥俄州居民提供经济援助. 该计划为毕业后打算担任护士的学生提供资金. 申请人将根据FAFSA数据和NEALP申请获得NEALP资助. Applicants who demonstrate the highest level of need will be funded first.
The annual loan amount for the 2023-2024 academic year is $1,650/year. 贷款可授予最多十二个季度或八个学期或同等.
在俄亥俄州担任全职护士五年的NEALP接受者将有资格100%取消NEALP.
The application period is January 1 to July 15th of each year. Visit the NEALP website for more information.
Code of Conduct
推荐十大赌博靠谱网络平台致力于为学生和他们的家庭提供最好的客户服务. It is our goal to provide information and advice, in keeping with federal requirements, 哪个是考虑到学生和家长的最大利益而决定的. 确保学生和他们的家庭继续从财政援助人员那里得到公正的建议, and to avoid the potential for, or appearance of, conflicts of interest regarding student loans, 推荐十大赌博靠谱网络平台在与贷款人的关系中应遵守行为准则, guarantors and servicers of education loans.
Xavier University's Financial Aid Code of Conduct