私人贷款
关于私人贷款
Private student loans (also known as alternative loans) are non-federal loans, made by a lender such as a bank, 信用合作社或国家机构. They typically do not offer many of the benefits that Federal student loans include (such as fixed rates, 基于收入的还款计划, and various loan forgiveness programs). In many cases, private loans may be more expensive than Federal student loans. A student should NEVER consider borrowing from private loan program until they have exhausted all their Federal Loan options first.
Dependent Undergraduate 学生 应用ing for private loan financing with a parental cosigner are advised to first investigate the options offered by the Federal PLUS program before 应用ing for a private loan. A detailed comparison between the PLUS and Private loan programs can be viewed on the Direct Loan Comparison Worksheet PDF.
SELECTING A PRIVATE LOAN PROGRAM
Students may view and compare some of the private loan programs through which KU体育官网APP 学生 have received funding via the ELMSELECT private loan search and comparison tool. 使用ELMSELECT时, 学生 are recommended to use the "Sort and Filter" options on the left sidebar to identify the loan programs with the terms and qualifying criteria that meet their needs. Neither KU体育官网APP nor the FAU Office of Student 金融援助 promote, endorse or recommend any of these loan products or lenders by including them on the list. Though the FAU Office of Student 金融援助 is able to process private loans with all private loan providers, processing is most efficient with ELM participating lenders. If your preferred lender does not appear on the list provided, you are advised to contact them to confirm they are an ELM participant.
Some factors to be considered when comparing private loan products
- Have an idea of what rate you will qualify for BEFORE you 应用.
- Compare rates from different lenders
- 关注APR.
- Find out about any fees the lender may charge to originate the loan.
- Ask about interest capitalization
- 询问借款人的利益
REMEMBER TO ONLY BORROW WHAT YOU NEED!
申请私人贷款
错误的贷款期限
When 应用ing for an private loan, the lender will ask that you supply them with the loan period (also called period of enrollment) you are requesting the loan for. Below is a list of valid FAU loan periods. The loan period you specify should be ONE of these:
| 登记期 | 日期 |
|---|---|
| 2023年秋季至2024年春季 | 08/12/23 - 05/03/24 |
| 仅2023年秋季 | 08/12/23 - 12/15/23 |
| 仅限2024年春季 | 12/16/23 - 05/03/24 |
| 仅限2024年夏季 | 05/04/24 - 08/06/24 |
| 2022年秋季到2023年春季 | 08/13/22 - 05/05/23 |
| 仅2022年秋季 | 08/13/22 - 12/16/22 |
| 仅限2023年春季 | 12/17/22 - 05/05/23 |
| 仅限2023年夏季 | 05/06/23 - 08/08/23 |
计划KU体育和住房
In order to process a private student loan, KU体育官网APP will need information regarding your planned enrollment and housing status for the loan period you have specified. FAU will normally obtain this information from your Student Aid Report, which is created after you file a Free Application for Federal Student Aid (FAFSA). If you are requesting to be processed for a private student loan and do NOT have a Student Aid Report on file with KU体育官网APP for the loan period you are requesting, 你必须提交一份 Statement of Planned Enrollment and Housing for Alternative Loan Processing (贷款部分第3条).
PRIVATE EDUCATION LOAN APPLICANT SELF-CERTICATION FORM AND FAU COST OF ATTENDANCE
Due to the enactment of new regulations (Title X - Private Student Loan Transparency and Improvement Act of 2008), a student 应用ing for a private educational loan is required to complete the Private Loan Self Certification Form. This form must be submitted directly to the lender. To complete this form, information regarding FAU 出勤费用 must be provided. View information regarding the total 出勤费用 在能力.
IMPORTANT NOTE ON PRIVATE STUDENT LOAN DISBURSEMENTS
The enactment of the new regulation (Title X - Private Student Loan Transparency and Improvement Act of 2008), gives the borrower a three days of recession period. During the recession period the borrower can cancel the loan and the lender cannot disburse the loan fund. The recession period starts when the lender finalizes the loan processing and puts the loan status in ready for disbursement status.
在某些情况下, private student loans are disbursed to FAU as paper checks made co-payable to FAU and the student. The student will need to endorse and return the paper check to FAU. Upon the receipt of the endorsed paper check, FAU will process it thru the disbursement process.