贷款

贷款可以帮助你满足你的财务需求. CMU will help guide you through the various types of loans, eligibility, and payback options.

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学生贷款

根据联邦学生援助免费申请(FAFSA)的完成情况, 学生可能有资格获得联邦直接贷款. 联邦政府提供有补贴和无补贴的联邦直接贷款. 这些贷款是用来帮助支付教育费用的. 的 Office of Financial Assistance will determine the loan type(s) each student is eligible to receive, 基于FAFSA的信息. It is the student's responsibility to keep track of all federal student loans borrowed. 的 联邦学生援助网站 是U.S. 教育部学生资助的中央数据库, 学生可以查看他们的联邦援助历史的网站.

All undergraduate students must be enrolled at least half-time (6 hours) to be eligible to receive federal student loans.

偿还所有学生贷款是学生和/或家长借款人的责任. 所有贷款选项的条款如下. 估计的还款时间表可以通过 访问联邦学生援助网站 .

国际学生没有资格获得州或联邦贷款.

补贴联邦直接贷款

  • 贷款 disbursed after July 1, 2022, but before July 1, 2023, the interest accrues at a fixed 4.99%
  • 贷款发起费用1.057% will be taken out by Federal Direct 贷款 before funds are disbursed to the school. 
  • 的 Federal government pays the interest on the Subsidized Loan while the student is continuously enrolled at least half-time.
  • 按需贷款. Need is determined by subtracting the Effective Family Contribution and any other expected financial aid from the cost of attendance for the student. 结果就是学生的需要.
  • Maximum eligibility is 150% of the published length of the student's academic program.
  • 这项贷款在学生毕业后有六个月的宽限期, 撤回, 或在还款前至少停止一半的注册.

无补贴联邦直接贷款

  • 贷款 disbursed after July 1, 2022, but before July 1, 2023, the interest accrues at a fixed 4.本科生99%，6.毕业生占54%.
  • 贷款发起费用1.057% will be taken out by Federal Direct 贷款 before funds are disbursed to the school.
  • 学生须在贷款发放后支付所有利息. Students have the option to pay the interest as it accrues or defer it as long as they are enrolled at least half-time.
  • 不是基于需求的贷款.
  • 这项贷款在学生毕业后有六个月的宽限期, 撤回, 或在还款前至少停止一半的注册.

选择贷款

Sometimes federal student and parent loans are not enough to cover all educational expenses. 出于这个原因, 学生和家长可以考虑申请私立学校, 可作为支付大学费用的补充资源的替代贷款. 替代贷款不同于直接贷款或附加贷款, 因为它们需要单独的应用程序, 信用检查, 并且可能需要一个共同签署人. Please note that if parent loan funds are requested in amounts creating a credit balance with CMU, 资金将退还给学生.

In an effort to help students start the search for an alternative loan lender and make informed decisions, CMU寻求最符合学生利益的贷款产品. CMU annually reviews loan products from various lenders to ensure the benefits that the lenders offer continue to adhere to our criteria. 评估每个贷款产品和出借人需要考虑很多因素. 这些因素包括, 但不限于, 低利率, 无原创费, 贷款本金减免, 借款人类型, 以及客户服务.
您不需要从下面的链接中选择贷款人. 您可以自由选择任何您认为最适合您需求的贷款机构和贷款产品. 要查看我们选择进行比较的贷方列表，请单击此链接.

http://choice.fastproducts.org/FastChoice/home/245300

Please note that if parent loan funds are requested in amounts creating a credit balance with CMU, 资金将退还给学生.

Central Methodist University adheres to a strict code of conduct as it relates to educational student loans. 本政策的条款可在以下网址找到 行为准则.  

For more information on 学生贷款, including annual and aggregate limits, please see the 常见问题的.

申请学生贷款

All students must complete the following items in addition to their FAFSA to get a student loan. 借款人必须使用FSA ID登录，完成第二和第三项.

  1. 学生必须接受或拒绝他们的经济援助. Students will receive an email notification when their 金融援助 is ready for them to formally accept or decline. 学生将登录他们的 myCMU帐户 and access their aid which is found under Student Tab > 金融援助 > Accept/Decline 援助. 学生可以接受、拒绝或减少列出的贷款金额
  2. 贷款入学辅导
  3. 主本票
以前拒绝联邦学生贷款的学生

Please contact the Office of Financial Assistance to inquire about receiving federal student loans.  确保你已经完成了上面的步骤2和3.

仅限研究生

Graduate students must fill out a Graduate Student Loan Data Sheet linked below to receive a federal student loan.

家长联邦直接PLUS贷款信息

If you're an undergraduate student enrolled at least half-time and dependent on your parents, 你的父母可能有资格获得家长PLUS贷款. 的 PLUS loan is available without regard to financial need; however, the parents must be U.S. 公民. PLUS贷款是一种基于信用价值的非需求计划. 当前的FAFSA必须存档，以便申请家长PLUS贷款. 的 PLUS Request Application Process must be completed for each academic year for which a parent wishes to acquire a PLUS Loan. 家长有责任偿还贷款，除非另有要求, 还款开始于贷款全额支付后60天.

For loans first disbursed after July 1, 2022, but prior to July 1, 2023, the interest rate 7.54%. 除利息外，还有一笔4英镑的发起费(或贷款费).228% that is taken out of the principal amount of each PLUS loan by Federal Direct 贷款 before funds are disbursed to the school.

  1. 完整的PLUS请求流程
  2. 签署父主本票
  3. PLUS贷款资料表(2023/24)

家长s may borrow a 家长 Loan for Undergraduate Students (PLUS) up to the full 出勤费用 (or Budget) minus any financial assistance the student is receiving. 如果学生有多余的资金(多于总直接费用), 余额将作为退款退还给学生. 学生可以用这笔退款来支付书费, 交通或其他个人开支.

请注意: 如果父母因信用原因被拒绝父母PLUS贷款, 学生可能有资格获得额外的无补贴直接贷款资金. (PLUS申请程序必须在每个学年完成)

毕业生PLUS贷款

研究生也可以申请直接PLUS贷款. 这个过程与上面列出的父母的过程相同, 只有研究生才能以他/她的名字申请.  要符合资格, the graduate student must be enrolled at least half time in an eligible program leading to a degree, 没有不良信用记录, 并且符合联邦学生援助的所有一般资格要求.

直接贷款退出咨询

出口咨询 is an online educational course for borrowers of Federal Direct Loan and/or Federal Grad PLUS loan funding. 所有不再参加咨询的借款人都需要进行咨询, 或者目前在博彩平台推荐注册的学分少于6个. 出口咨询 needs to be completed even if you are planning to continue your education at another institution. Failure to do so, can result in penalties, including a hold on documents including diplomas. 五大湖 还款及其他影片 that borrowers can access 24/7 to review your repayment responsibility and payment options to consider.

如果你即将毕业, you should complete the 出口咨询 within thirty (30) days prior to your graduation date. 如果你不再出席或已下降到中场出勤率以下, you should complete the 出口咨询 within thirty (30) days from the last date of at least half-time attendance.

我如何完成退出咨询? 

登录  联邦学生援助网站  使用你的FSA ID并完成退出咨询.

退出咨询包括哪些内容?

出口咨询 will explain your rights and responsibilities as a federal loan borrower. It also provides information and terms to help you make the right choices about repayment. 在咨询期间，你将审查你的联邦学生贷款债务总额. 当您完成退出咨询时，请特别注意:

  • 贷款整合
  • 贷款延期
  • 付款方式(标准还款), 延长还款, 毕业后还款, 及收入或有还款)
  • 贷款延期

退出咨询需要多长时间?

退出咨询将需要20-30分钟完成. 您将需要您的FSA ID, and the session will also ask you to select your school: Central Methodist University (00245300).

当我完成退出咨询时，我需要通知CMU吗?

一旦你完成了退出咨询，你不需要通知我们. 金融援助 will receive electronic confirmation once you complete your 出口咨询.

Do I need to complete the 直接贷款退出咨询 if I have already completed the Perkins 出口咨询?

直接贷款退出咨询与珀金斯退出咨询是分开的. 您还需要完成直接贷款退出咨询.

Do I need to complete 出口咨询 if I am going on to another school or enrolling in a new degree program?

Yes, you should complete 出口咨询 even if you are planning to continue your education. 的 出口咨询 will assist you in knowing your rights and regulations about your current loan(s) grace period and repayment period.