学生贷款

Loan eligibility is determined based on your submitted FAFSA. After SBU receives your FAFSA, you will receive a personalized financial aid award letter which will include loan documents for any 贷款 for which you qualify. 

You can find detailed information about 还款 of federal 贷款, including borrower's 权利和责任，通过访问 Student援助.ed.政府.

学生贷款的种类

联邦贷款

• 联邦直接学生贷款 — loan is deferred while student is 在学校, six-month grace period before 还款 开始
  • 补贴贷款 — 政府ernment pays the interest while you're 在学校
  • 未受资助的贷款 — you are responsible for interest accruing while you are 在学校

• 联邦毕业生贷款 — 研究生开放
• 联邦家长贷款 — parents may apply for this loan in any amount up to cost of attendance; if parent plus loan is denied, student will receive additional unsubsidized direct loan eligibility

家长贷款在线申请

私人贷款

You may seek out supplemental loan(s) 从 alternative sources up to the cost of attendance 减去财政援助.

Important information about private 贷款:

• These are non-federal 贷款 and do not have the same terms and conditions as federal 贷款.
• Private 贷款 cannot be combined (consolidated) with federal 贷款 when you enter 还款.
• A private loan may not offer flexible 还款 plans and may have a higher interest 利率高于联邦贷款.
• Public service loan forgiveness is not available for private 贷款.
• 私人贷款可能需要联署人.

选择贷款机构时的考虑因素：

• 比较利率.
• Consider whether accruing interest is added to the principal amount while enrolled 在学校.
• Check to see if the loan requires any upfront or back-end fees.
• Find out if the loan requires payments to be made while enrolled 在学校.
• Consider co-signer requirements and conditions of the loan.
• Local banks and credit unions may offer competitive interest rates on private 贷款.

可供选择的贷款机构名单

You are free to choose any lender and loan product you feel best suits your needs. You are not required to select a lender 从 our list; however, we have provided a 放款人名单 进行比较.

私人贷款比较