SubMenu
Find Us on Campus联邦学生贷款
什么是联邦直接学生贷款?
联邦直接学生贷款是一种财政援助 必须连本带利偿还吗. E世博ESBALL参加了 联邦直接贷款计划. Direct loans are low-interest education loans for students to help pay for college costs. 不需要信用检查或委托人来获得资格. The lender is the U.S. 它将贷款分配给它的合同之一 loan servicers 在全国范围内，贷款是由学校为学生发起的. You can find out who your loan servicer is two weeks after your first loan disbursement 是学校发的吗. Go to http://studentaid.gov to see your loan servicer contact information and to keep your information updated with them. 您的贷款服务人员将负责您对您的贷款的任何问题 资金分配后再贷款.
Go to http://studentaid.gov to see your loan servicer contact information and to keep your information updated with them. 您的贷款服务人员将负责您对您的贷款的任何问题 资金分配后再贷款.
必须偿还贷款:
联邦学生贷款是长期债务. 接受贷款意味着接受 the responsibility for repaying the money you borrow including interest costs and fees. Before you request a loan, make sure you find out the true costs, interest rates, 以及需要多长时间才能偿还贷款. 找到这些问题的答案 more, go to http://studentaid.gov
做一个聪明的借款人!
You can also find more information regarding interest rates , how to apply for a loan, repayment plans, deferments, forbearance, consequences of default and much more, go to http://studentaid.ed.gov 或访问E世博ESBALL财政援助办公室并提出问题.
要获得有关贷款选择的免费帮助，请访问 www.ECMC.org
所有借款人的两个要求:
借款人要求:- 入学咨询 -入学咨询是必需的 所有首次或再次借款者 and is completed as a part of the of the Butte College Federal Direct Loan request
process. Without 入学咨询 your loan will not be linked between the Department
由教育及E世博ESBALL资助，不会发放. 欲知详情，请浏览 http://studentaid.gov/
- Exit Counseling - 入学咨询是必需的 borrowers when the borrower drops below 6 units during a semster or stops attending, completes jut one semester, or when a student completed their program of study at Butte College 或者转学到另一所学校. 欲知详情，请浏览 http://studentaid.gov/
联邦直接学生贷款资格要求清单
Loan Checklist- 完成2024-2025年联邦学生援助免费申请(FAFSA). 你可能有资格获得贷款，作为你的经济援助奖励的一部分. Most students and their families are eligible for some form of federal educational loan assistance. 提交FAFSA是第一步.
- 你必须注册并积极参加最少的 6个应付单位(至少半小时) per semester
- You must be enrolled in a degree-granting or eligible certificate program (Associate 学位或成绩证书)
- You must meet 令人满意的学业进展 (SAP) 为了保持持续的借款资格，您还必须至少完成 6 units 在你收到贷款资金的每个学期
- You must not 有未完成的任务，并有完整的财政援助文件
- You must not 拖欠任何类型的学生贷款
- You must not 欠偿还联邦学生助学金
申请2024-2025年联邦直接贷款
如何申请贷款-
从2024年8月1日起，从你的E世博ESBALL学生的电子邮件开始， send a request to studentloanrequest@lhyh.net. 包括你的名字和E世博ESBALL的学生证号码
-
The 财政援助办事处 will review your Financial Aid file to ensure you are meeting the above minimum criteria and are eligible to receive and complete a Federal Direct Loan request form
- 如果你有资格- You will receive an email in your student email account with the link to complete 网上“E世博ESBALL助学金直接贷款申请表”
- 如果你现在没有资格- you will receive an email with information as to why you do not currently meet the 最低资格，如果有的话，你必须采取什么步骤
To AVOID DELAY in receiving funds, you must complete the following before completing and submitting 在线联邦直接贷款申请表:
- Log in to your studentaid.gov 用你的FSA ID开立账户
- Complete 入学咨询 and the 主本票(MPN). Butte College cannot begin processing your Federal Direct Loan request without these 由学生先完成!
- Review your 学生贷款余额合计. If you borrow the annual maximum every year, you may reach the aggregate limit before 你已经完成了你的教育目标. 请注意，您的帐户可能还不包括 你最近的贷款，一定要保持一个准确的跟踪你的贷款.
Students who do not meet these eligibility requirements cannot apply for a student 贷款或将受到延迟处理. 请做相应的计划.
- 不完整的请求无法处理. 请预留6周时间填写贷款申请表 在高峰时间处理. 贷款申请表将按其顺序处理 are received.
- You will receive a Direct Loan Certification email 发给你的学生邮箱 with your estimated earliest loan disbursement date after your request has been approved and processed. 如果您的贷款申请被拒绝或减少，您将收到通知 发给你的学生邮箱.
- Enrollment verification- Loan funds will not be disbursed until after census/ Financial Aid freeze dates each Fall and Spring term in order to verify enrollment in at least 6 units. All students will receive a loan certification email with the earliest possible disbursement date.
- 首次学生借款人 with no prior Federal Direct Loan are required by law to complete 30 days of their 在收到他们的第一笔贷款支付之前的入学计划.
What kinds of problems could cause my loan to be delayed, reduced or cancelled?
注册时间少于一半(6个单元)
Students must be enrolled in and attending Butte College at least half-time (6 units)
整个贷款期限. 必须添加开放入学/开放退出课程和晚开课课程
通过冻结日期计算贷款资格.
缺乏令人满意的学业进步
- Students failing to meet required standards of 令人满意的学业进展 are not eligible 获得经济援助，包括整个贷款期间的贷款.
- Loans for students on Financial Aid Probation or approved Maxumum Timeframe Petitions may be delayed or denied until their 令人满意的学业进展 status is confirmed.
- Students who have been disqualified due to lack of 令人满意的学业进展 must be reinstated before they can apply for a loan, and may be subject to reduction 或取消贷款.
Student loan debt 这是个人和国家都关心的问题吗. 联邦政府 有没有设定本科生的最高贷款额. 因为“本科生”包括 all course work through a Bachelor's degree, it is important not to "over-borrow" 在社区大学水平.
高负债管理. For a student enrolled at Butte College, pursuing an Associate degree or Certificate of Achievement, the college considers the following amount totals to be excessive 就读社区大学学生的债务负担:
| 依赖学生 | 所有贷款的债务负担为$12,000(包括所有以前的贷款) |
| 独立的学生 | 所有贷款的债务负担为$21,000(包括所有以前的贷款) |
已经达到这些债务负担的学生将被考虑 高风险的借款人 他们的贷款申请可能会被延迟、减少或拒绝. Please plan accordingly for a 贷款审核延迟.
联邦法规要求贷款至少要在 two payments.
- 一学年贷款 (fall and spring semesters) have one payment after the loan is originated in the 第二次是在春季学期开始时.
- One-semester loans are divided into two payments, one after the loan is originated and a second 在学期的中期. 学生必须保持至少一半的注册时间 (6个单位)在任何一种贷款安排下获得第二次付款.
- Summer Session is not part of the regular academic year (fall and spring semesters) and student 暑期课程不提供贷款.
直接资助贷款 是否以经济需要为基础. 未满足的“需求”是通过减法确定的 the Student Aid Index (SAI) 以及所有其他形式的援助 出勤费用 (COA), or budget. 利息是为你支付的 by the federal government while you are enrolled in school at least half-time and 在授权延期期间. 联邦政府“补贴”你的贷款， 通过在这些时期支付利息.
怎样计算资助贷款资格 |
|
COA - SAI -所有其他援助 (助学金+奖学金+勤工俭学) = Subsidized Loan 资格不超过年度限额(见下文年度限额) |
无补贴直接贷款 is not awarded on the basis of need and is available to you regardless of income. Interest 会由发放贷款起计，直至全部付清为止. You may choose to make periodic interest payments or opt to have the accrued interest 资本化(加成)于主要贷款金额.
如何计算免补贴贷款资格 |
|
COA -所有其他援助 助学金+奖学金+勤工俭学 =无补贴贷款 资格不超过年度限额(见下文年度限额) |
|
2024-2025年度联邦直接贷款限额
|
|||
| 依赖学生 | Subsidized | Unsubsidized | Total |
| 1st year (最多完成29个单位) |
Up to $3,500 | Up to $2,000 | $5,500 |
| 2nd year (已完成超过30个单位) |
Up to $4,500 | Up to $2,000 | $6,500 |
| 联邦直接PLUS拒绝追加申请 (并非所有学生都有资格申请额外津贴) |
Up to $2,000 | TBD | |
| 独立的学生* | Subsidized | Unsubsidized | Total |
| 1st year (最多完成29个单位) | Up to $3,500 | Up to $6,000 | $9,500 |
| 2nd year (30+单位完成 | Up to $4,500 | up to $6,000 | $10,500 |
You are an Independent student if you were not required to provide parental information 填写FAFSA时. 受养人的父母无法根据 PLUS计划将被视为独立贷款.
|
联邦大学生贷款限额*
|
||
| Subsidized | Subsidized & Unsubsidized | |
| 依赖学生 |
$23,000 | $31,000 |
| 独立的学生 | $23,000 | $57,500 |
利率和费用由国会和 每学年从7月1日开始. As per changes authorized by the Bipartisan Student Loan Certainty Act of 2013, the Direct Loan interest rate will be the sum of a uniform "index rate" plus an "add-on" 这取决于贷款类型和借款人的年级水平. The interest rate for a loan, once established, will apply for the life of the loan -- that is, the loan is a fixed-rate loan. As a result, student borrowers who borrow in more than one award year will likely 有很多固定利率的贷款，每个都有不同的利率. Loans borrowed 在2013-2014学年有一个3.补贴贷款利率为86%.86 无补贴的利率为%.
Interest. 贷款必须全额偿还. 除了本金(你借的金额)， interest accumulates on the loan as an expense paid by the borrower for the use of the money. 费用按未付本金的百分比计算.
直接学生贷款利率 |
|||
| 2024年7月1日当日或之后、2025年7月1日之前发放的补贴贷款 | 6.53% | ||
| Unsubsidized loans disbursed on or after July 1, 2024 and before July 1, 2025 | 6.53% | ||
Origination Fees. All loans have loan fees (also called origination fees) that are deducted proportionately
从你收到的每笔贷款中. 这意味着你收到的钱将会
少于你实际借的金额. 你有责任偿还
entire amount.
申请费用将在支付前自动扣除.
- 10月10日前发放的贷款. 1、2023年，费用是1.057% of the loan.
- 10月8日或之后发放的贷款. 2023年10月1日及之前. 1、费用金额2025年 is 由教育部稍后公布.
Operating Hours
夏季营业时间
Main Campus:
(5月27日至8月9日)
Mon: 8:00 a.m. - 5:00 p.m.
Tues: 8:00 a.m. - 5:00 p.m.
Wed: 8:00 a.m. - 5:00 p.m.
Thur: 8:00 a.m. - 5:00 p.m.
*第一个和第三个星期四:上午8:30.m. - 5:00 p.m.
Closed Fridays
Chico Center:
(5月27日至6月7日)
Mon: 7:30 a.m. - 5:00 p.m.
Tues: 7:30 a.m. - 5:00 p.m.
Wed: 7:30 a.m. - 5:00 p.m.
Thurs: 7:30 a.m. - 5:00 p.m.
Closed Fridays
(6月10日至8月9日)
Mon: 8:30 a.m. - 6:00 p.m.
Tues: 8:30 a.m. - 6:00 p.m.
Wed: 8:30 a.m. - 6:00 p.m.
Thurs: 8:30 a.m. - 6:00 p.m.
Closed Fridays
Glenn County:
每隔星期二或星期三:下午八点半至六时.m.
Content Editor: