Loans

Loans

Loans are available to help you with your financial needs. CMU将帮助您了解各种类型的贷款，资格和偿还选项.

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Student Loans

Based upon the completion of the Free Application for Federal Student Aid (FAFSA), students may qualify for a Federal Direct Loan. The Federal government offers both Subsidized and Unsubsidized Federal Direct Loans. These are loans created to help pay for education. 财政援助办公室将确定每个学生有资格获得的贷款类型, based upon FAFSA information. 学生有责任跟踪所借的所有联邦学生贷款. The Federal Student Aid website is the U.S. Department of Education's central database for student aid, and the site where students can view their federal aid history.

所有本科生必须注册至少一半时间(6小时)才有资格获得联邦学生贷款.

Repayment of all student loans is the student and/or parent borrower's responsibility. All of the terms of the loans options are below. Estimated repayment schedules can be reviewed by visiting the Federal Student Aid website .

International students are not eligible for state or federal loans.

Apply for a Student Loan

除了FAFSA之外，所有学生都必须完成以下项目才能获得学生贷款. Borrowers must sign-in with an FSA ID to complete items two and three.

  1. Students must accept or decline their Financial Aid. 当他们的经济援助准备好让他们正式接受或拒绝时，学生将收到一封电子邮件通知. Students will log into their myCMU account and access their aid which is found under Student Tab > Financial Aid > Accept/Decline Aid. Students can accept, reject, or reduce the amount of loans listed
  2. Loan Entrance Counseling
  3. Master Promissory Note
Students Who Previously Declined Federal Student Loans

请联系财政援助办公室询问接受联邦学生贷款.  Make sure you have completed steps 2 and 3 above.

Subsidized Federal Direct Loan

  • Loans Disbursed after July 1, 2024 interest rate will be 6.53%. 
  • 2022年7月1日之后，2023年7月1日之前发放的贷款，利息按固定计息 4.99%
  • Loan origination fee of 1.在资金支付给学校之前，057%将由联邦直接贷款提取. 
  • 联邦政府在学生连续入学至少一半时间的情况下支付补贴贷款的利息.
  • Need based loan. 需要通过从学生的出勤成本中减去有效家庭贡献和任何其他预期的经济援助来确定. The result is the student's need.
  • Maximum eligibility is 150% of the published length of the student's academic program.
  • This loan allows for a six-month grace period after a student graduates, withdraws, or ceases at least half-time enrollment before repayment is required.

Unsubsidized Federal Direct Loan

  • Loans Disbursed after July 1, 2024 interest rate will be 6.53%. 
  • 2022年7月1日之后、2023年7月1日之前发放的贷款，利息按固定的4计息.99% for undergraduate and 6.54% for graduate.
  • Loan origination fee of 1.在资金支付给学校之前，057%将由联邦直接贷款提取.
  • Student is responsible for paying all the interest after the loan is disbursed. 学生可以选择在利息累积时支付或延迟支付，只要他们至少注册了一半时间.
  • Not a need based loan.
  • This loan allows for a six-month grace period after a student graduates, withdraws, or ceases at least half-time enrollment before repayment is required.

Graduate Student Only

研究生必须填写下面链接的研究生贷款数据表才能获得联邦学生贷款. Loans disbursed after July 1, 2024 interest rate will be 8.08% for unsubsidized loans. 

Graduate PLUS Loans

Graduate students may also apply for Direct PLUS loans. The process is the same as that listed above for parents, only the graduate student would apply in his/her name.  To be eligible, 研究生必须在符合条件的课程中注册至少一半的时间才能获得学位, not have an adverse credit history, and meet all the general eligibility requirements for federal student aid. The loans disbursed after July 1, 2024 interest rate will be 9.08%. 

Alternative Loans

有时联邦学生和家长贷款不足以支付所有的教育费用. For this reason, students and parents may consider applying for a private, alternative loan that may be used as a supplemental resource for paying college costs. Alternative Loans are unlike Direct or PLUS loans, for they require a separate application, a credit check, and may require a co-signor. 请注意，如果要求的母贷款资金金额与CMU创建信用余额, funds will be refunded to the student.

为了帮助学生开始寻找其他贷款机构并做出明智的决定, CMU seeks out loan products that are in the best interest of our students. CMU每年审查来自各个贷方的贷款产品，以确保贷方提供的利益继续符合我们的标准. Many factors are used to evaluate each loan product and lender. The factors include, but are not limited to, low interest rates, no origination fees, loan principal reductions, borrower type, and customer service.
You are not required to select a lender from the link below. You are free to choose any lender and loan product you feel best suits your needs. To view a list of lenders we selected for comparison click on this link.

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

请注意，如果要求的母贷款资金金额与CMU创建信用余额, funds will be refunded to the student.

博彩平台推荐遵守严格的行为准则，因为它涉及到教育学生贷款. The provisions of this policy can be found at Code of Conduct.  

有关学生贷款的更多信息，包括年度和总限额，请参阅 FAQ's.

Parent Federal Direct PLUS Loan Information

如果你是一名本科生，至少有一半的时间是由你的父母抚养的, your parents may qualify for a Parent PLUS Loan. The PLUS loan is available without regard to financial need; however, the parents must be U.S. Citizens. The PLUS loan is a non-need based program based on credit-worthiness. A current FAFSA must be on file in order to request a Parent PLUS Loan. 家长希望获得PLUS贷款的每个学年都必须完成PLUS申请流程. The parents are responsible for repaying the loan and unless otherwise requested, repayment begins 60 days after the loan is fully disbursed.

For loans disbured after July 1, 2024, the interest rate is 9.08%. 对于在2022年7月1日之后但在2023年7月1日之前首次支付的贷款，利率为7.7%.54%. In addition to interest, there is an origination fee (or loan fee) of 4.在资金支付给学校之前，联邦直接贷款从每笔PLUS贷款的本金中扣除228%.

  1. Complete PLUS Request Process
  2. Sign a Parent Master Promissory Note
  3. PLUS Loan Data Sheet (2024/2025)

家长可以为本科生申请家长贷款(PLUS)，最高可达全额学费(或预算)减去学生获得的任何经济援助. If the student has an excess of funds (more aid than the total direct cost), the balance will be given to the student as a refund. The student can use this refund as a means to pay for books, transportation or other personal spending.

Please Note: If a parent is denied a Parent PLUS Loan due to credit reasons, the student may be eligible to receive additional unsubsidized Direct Loan funds. (The PLUS Request Application Process must be completed for each academic year)

Direct Loan Exit Counseling

退出咨询是为联邦直接贷款和/或联邦毕业生PLUS贷款资金的借款人提供的在线教育课程. The counseling is required for all borrowers who are no longer attending, or are currently registered for less than six credits at Central Methodist University. 即使你打算在另一个机构继续你的教育，也需要完成退出咨询. 如果不这样做，可能会受到处罚，包括保留包括文凭在内的文件. Great Lakes offers repayment and other videos 借款人可以24/7查看您的还款责任和付款选项.

If you are graduating, 你应该在毕业前三十(30)天内完成离校咨询. If you are no longer attending or have dropped below half-time attendance, 你应该在至少上课时间的最后一天起三十(30)天内完成离校咨询.

How do I complete Exit Counseling? 

Log into the  Federal Student Aid Website  using your FSA ID and complete Exit Counseling.

What will the Exit Counseling cover?

退出咨询将解释你作为联邦贷款借款人的权利和责任. 它还提供信息和条款，帮助你做出正确的还款选择. During the counseling you will review your total federal student loan debt. As you complete the Exit Counseling, pay special attention to:

  • Loan consolidation
  • Loan deferment
  • Payment options (standard repayment, extended repayment, graduated repayment, and income contingent repayment)
  • Loan forbearance

How long will the Exit Counseling take?

Exit Counseling will take 20-30 minutes to complete. You will need your FSA ID, 并要求您选择学校:博彩平台推荐(00245300).

Do I need to let CMU know when I have completed the Exit Counseling?

You DO NOT need to notify us once you have completed the Exit Counseling. 一旦您完成退出咨询，财务援助将收到电子确认.

如果我已经完成了珀金斯退出咨询，我还需要完成直接贷款退出咨询吗?

Direct Loan Exit Counseling is separate from the Perkins Exit Counseling. You will also need to complete the Direct Loan Exit Counseling.

如果我要去另一所学校或注册一个新的学位课程，我需要完成退出咨询吗?

是的，即使你打算继续你的教育，你也应该完成退出咨询. 退出咨询将帮助您了解您当前贷款的宽限期和还款期的权利和规定.