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贷款对大多数学生来说是现实, and we will help you navigate the borrowing process from application to repayment. We encourage you to be a responsible consumer and to borrow only what is necessary. We urge you to seek advice from our Student Financial Services team whenever needed.
请记住，贷款, 银行 often deduct loan fees before monies are disbursed, which can impact the amount you need to borrow. You should calculate loan fees prior to finalizing loan requests. 请参阅 联邦贷款费用 了解更多信息.
偿还贷款
一定要和你的 贷款服务机构 at all times throughout your years of borrowing. It is even wise to pay interest while you're in school, 如果可能的话, 对于任何正在产生利息的贷款(如.e. every loan EXCEPT the 直接资助贷款). Once you're ready to leave school, we recommend using the 还款估计量 to determine which is the best loan repayment option for you. Note: You may switch plans as your income situation changes. Just realize this — the longer you take to repay your loans, the more they will cost you.
Federal 直接补贴贷款和非补贴贷款
美国.S. Department of Education offers low-interest loans to eligible students to help cover the cost of college. 直接补贴贷款和非补贴贷款 are available depending upon your financial need and enrollment status. 对于两种类型的贷款, UNE will determine the amount you can borrow based on your Cost of Attendance and annual limits. 请访问联邦学生援助网站 有关贷款限额的资料 在 直接贷款的现行利率.
直接资助贷款
美国.S. Department of Education pays the interest on the 直接资助贷款 while you are in school, as well as during your grace period or elected deferment period. This loan is available to students demonstrating financial need.
直接无补贴贷款
的 直接无补贴贷款 is available to all students regardless of need. Interest accrues from the date of disbursement.
要申请联邦直接贷款，您必须 提交FAFSA. As a first-time federal direct loan borrower, you will need to sign a Master Promissory Note (MPN) and Complete Entrance Counseling which will provide information about terms of borrowing, 计息, and repayment options 的se requirements can all be completed 在线. For all Federal 贷款, you will also need to complete 退出贷款咨询 when you are no longer enrolled at least half-time.
正规澳门赌场网络第四章的所有相关信息, HEA联邦贷款, 包括直接贷款, will be submitted to NSLDS and accessible by authorized agencies, 银行, 和机构.
缅因州教育工作者计划
这个项目很有竞争力, 以业绩为基础的, forgivable loan program for Maine students pursuing careers in teaching, including speech pathology and child development or childcare. 的 application is available in February on the FAME website 5月1日到期.
联邦家长附加贷款
的 联邦家长附加贷款 是基于信用的贷款吗, 须经贷款人信贷审批, for parents who wish to contribute to their dependent child’s college education. PLUS loans help pay for expenses up to the Cost of Attendance (COA) minus all other financial assistance. 的 application is available 在线 and parents will need the FAFSA ID to apply. If you wish for the PLUS Loan to cover origination fees, please let us know so we can adjust the COA accordingly.
如果PLUS贷款的信用被拒绝, 你的父母可以找一个代言人, 上诉否认, or request additional unsubsidized funding of up to $4,000 or $5,根据你在学校的年资，你可以拿到5000美元. 的 request for this additional funding must be sent in an email to the 金融援助 Office or parents can select this option via the 在线 application.
选择贷款
Because of the flexible and forgiving nature of federal, 状态, 以及机构援助, we recommend that you exhaust all of these sources before applying for private or alternative loans. Alternative loans are privately-funded loans available to students who qualify based on their credit history. 的 terms and conditions of alternative loans vary based on the loan program and lender criteria. You may request an amount up to your Cost of Attendance minus all other financial aid.
选择一个可供选择的贷款计划
If you are new to borrowing an alternative loan, we recommend that you familiarize yourself with each program before making a selection. Please contact the lender for the most up to date information. 如果你以前的贷款人没有列出, and you wish to continue to use this lender for your alternative loan needs, 请与您的贷款人联系.
考虑问以下问题:
- 需要联署人吗? Does the lender offer a co-signer release option after a certain number of on-time payments?
- 利率是多少? Does the lender offer fixed and variable rates? 有帽子吗??
- Does the lender charge fees, either up front or at the back end?
- Will the lender sell the loan to another company?
- Does the lender offer flexible repayment options?
- Does the lender offer any repayment incentives?
- Does the lender offer deferments if continuing on to graduate school? If yes, is there a limit to the number of years it can be deferred?
看到 UNE的推荐贷款人 site for a loan comparison tool and more information on your private loan options.