工作研究 & 贷款

工作研究

The Federal 工作研究 (FWS) Program provides funds for part-time employment on campus to assist students with the cost of their education.

  • (即程序.
  • Eligible students must be enrolled in at least six credit hours.
  • Employment is part-time and beat365在线体育投注 students work an average of 10-15 hours per week.
  • Contact the Student Financial 服务s Office (FinancialAid@winguysky.com) to determine eligibility and work study job placement opportunities.
贷款

贷款 are a form of financial aid that must be repaid with interest.

  • The student's financial aid package may include need-based and/or non-need-based loans. 
  • The student can select which items in the financial aid package to accept; therefore, may choose to decline or reduce the loan amount to better fit the student's needs and reduce the student's loan debt. 
  • Some types of loans have maximum limits; students are advised to only take out loans that are absolutely necessary to further their education. 
  • FAFSA results determine eligibility based upon need.

如果你借了联邦学生贷款, 入学咨询 and a master promissory note (或然数) must be completed at www.studentaid.政府 在贷款发放之前. Exit counseling will be required upon graduating or dropping below half-time enrollment and is also completed at www.studentaid.政府.

偿还贷款:

Some student loans are serviced by beat365在线体育投注.

  • Payment on these student loans is reported to beat365在线体育投注 by various agencies.
  • beat365在线体育投注 is required by law to contact and make collection efforts for these student loans incurred while at beat365在线体育投注.
  • Your payments directly relate to the future availability of loans for future students. Therefore, we make every effort to help you keep your loan current.

请注意: Student loans are NOT dischargeable or forgivable under bankruptcy. Once the bankruptcy has been completed, your loans will be placed into repayment. Your loan will be an outstanding debt until it is paid.

贷款种类

联邦直接贷款

联邦直接贷款:补贴 & 未受资助的

Students who accept a Subsidized and/or 未受资助的 Direct loan must:

Interest and deferment information is available at http://studentaid.ed.gov.

联邦直接补贴贷款

  • 根据FAFSA结果确定的需求基础.
  • The 政府ernment pays the interest while the student is attending school at least half-time. The student pays the interest when not attending school at least half-time. 

联邦直接无补贴贷款

  • 并不是因为. 
  • The student is responsible for all interest costs from the time the loan is disbursed.
  • The student has the option of paying or deferring the interest while they are in school at least half-time. 

最高贷款限额

违约率

联邦PLUS贷款

联邦PLUS贷款:家长 & 研究生

  • Available to graduate or professional degree students or parents of dependent undergraduate students.
  • 并不是因为.
  • The borrower is responsible for all interest costs from the time the loan is disbursed.
  • Repayment can be deferred until the student completes school, or it may begin within 60 days after the loan is fully disbursed.
  • If a PLUS Loan is requested, it must be applied for on a separate application. 将进行信用检查. 去 www.studentaid.政府 to complete a PLUS application and master promissory note and obtain interest and repayment information.
联邦护理学生贷款(NSL)

联邦护理学生贷款(NSL)

  • 需要基础.
  • Interest free while the student is attending school at least half-time.
  • If a Federal NSL is listed as part of the student's financial aid award package, the student will receive an electronic packet of documents, including an application/promissory note that must be completed and returned to the 金融援助 Office before the loan can be disbursed.
  • NSL needs to be repaid beginning nine (9) months after the student graduates or leaves school.
  • 利率是5%.
护士教师贷款计划(NFLP)

护士教师贷款计划(NFLP)

  • Federal loan cancellation program with a service obligation for recipients.
  • This loan is only available to students in the DNP or EdD programs that intend on teaching full-time in a fully accredited nursing program.
  • To apply for the loan, contact the financial aid team at FinancialAid@winguysky.com.
  • The student will receive an electronic packet of documents, including an application/promissory note that must be completed and returned to the 金融援助 Office before the loan can be disbursed. 

了解更多365365体育在线投注NFLP的信息

另类学生贷款

另类学生贷款

  • 这些都是私人贷款，不以需求为基础.
  • Students determine the right lender for their situation.
  • 基于信用价值和偿还能力.
  • Available to the student, but many require a credit worthy co-signer.
  • Many lenders offer deferment of principal payments while the student is enrolled.
  • 看一看 historical list of alternative student loan providers to review and compare terms and conditions prior to borrowing. 

贷款人名单披露

365365体育在线投注利用 FASTChoice工具.

  • Students may borrow from any lender they choose and are not required to use a lender on the FASTChoice site.
  • The lenders on FASTChoice were selected based on historical review of who beat365在线体育投注 students have used in the past two years.
  • 365365体育在线投注继承了爱荷华州的贷款 行为准则 专上院校.

首先要最大化联邦财政援助

Student are encouraged to borrow the maximum amount of federal financial aid first before seeking out an alternative student loan.