Other Funding Options

Federal Direct Loans include student Direct Loans (subsidized and unsubsidized) and graduate and parent PLUS Loans. 所有的联邦贷款都要求你和你的父母(受抚养的学生)完成 Free Application for Federal Student Aid (FAFSA). 

Additional federal loan requirements:

• 你必须注册至少一半的时间(六个学分).
• You must be making satisfactory academic progress.
• New borrowers must complete entrance counseling and a Master Promissory Note (MPN) at the Federal Student Aid website. You will use your FSA ID to complete the counseling and sign your MPN.
• Your loan must be certified before the end of the enrollment period.

When you borrow a federal loan, the U.S. Department of Education assigns your loan to a federal loan servicer. Your servicer will contact you (email or U.S. mail) when your loan funds are disbursed. You can find your loan servicer on the  Federal Student Aid dashboard (requires log in with your FSA ID) under "My Aid." While the majority of St. 澳门威尼斯人娱乐城的学生成功偿还了联邦学生贷款, 有些没有，这导致贷款被宣布为违约. St. Cloud State在2018年(可获得的最近一年)的三年同期违约率为4%.6 percent. 有关全国平均队列违约率的信息, as well as specifics by institution type, visit  Federal Student Aid's default management site.

Once you drop below half-time (six credits), withdraw from school, or graduate, you will be required to complete loan exit counseling ( login with your FSA ID required). Review the  Next Steps for Loan Borrowers (PDF)关于贷款减免、还款计划和贷款合并的信息核对表.

*The federal Perkins Loan program ended Sept. 最后付款截止到2018年6月30日.

Student Debt Relief

The U.S. 教育部宣布了减免10美元贷款的计划,000 up to 20,截至6月30日，佩尔助学金获得者的联邦贷款余额为10,000美元, 2022. 获得这项减免的资格要求2020年或2021年的个人收入(AGI)低于125美元,000 or $250,000 for households. 申请将在12月9日学生贷款暂停结束之前提供. 31.

借款人可以通过登录他们的联邦学生援助账户在线查看他们的贷款余额并检查他们的佩尔助学金状态  Studentaid.gov.

Please visit Studentaid.gov/debt-relief 有关学生债务减免的更多信息. 

To be notified by the U.S. 当申请开放时，请到教育部报名 Ed.gov/subscriptions 并勾选“联邦学生贷款借款人更新”复选框.

After considering your federal loan options，你可能需要额外的资金来支付你的教育费用.  Some banks, credit unions, and states provide educational loan options, commonly known as private loans. 私人贷款的利率可能高于联邦贷款. 私人贷款的资格是基于借款人和/或共同签署人的信誉.

St. Cloud State University does not endorse any one lender. We provide an online loan comparison tool, FASTChoice, as a way for you to compare private loan options. The choice of lender is yours; you are also not required to select one from this list of lenders. 在你借款之前，先检查私人贷款人对借款人的要求.

由于私人贷款申请流程涉及的步骤较多， allow a minimum of 3 weeks for processing.

一些私人贷款允许支付以前的费用, 允许少于一半的时间(6个学分)注册, or do not require that you are making satisfactory academic progress. 

这项短期贷款为圣. 澳门威尼斯人娱乐城的学生谁有意外的，临时的紧急费用. 允许的费用包括汽车修理、紧急旅行、医疗费用和教科书购买.

• 学生必须至少注册一半时间(6学分)，并且没有拖欠学校的欠款.
• 在读学生必须在良好的学术地位至少2.00 GPA.
• Students must have at least one earned St. Cloud State credit. 新入学的新生和转学生在入学的第一学期没有资格获得这项贷款. Cloud State.
• 如果学生希望在学期休息期间借款, 学生必须为下个学期预先注册.
• Students may borrow up to $600. 包含在贷款金额中的所有贷款都需要支付发放/处理费用——400美元以下的贷款需要支付10美元的处理费用，600美元以下的贷款需要支付25美元的处理费用. 这笔费用在支付前从贷款收益中扣除. 例如:如果你借了600美元，你的贷款支票将是575美元.
• 学生在任何时候不得有超过一项未偿还的紧急贷款.  在处理另一笔紧急贷款之前，从还款日起有28天的等待期.
• 贷款在60天内到期，包括周末和节假日. 任何逾期未还的贷款将被处以30美元的滞纳金.
• 如果贷款支票没有从商务服务办公室(AS大楼)领取, 在支票签发之日起五(5)个工作日内, the check will be canceled. The processing fee will still be assessed.
• 资金的支付和偿还由St管理. Cloud State Business Services Office.

Students and parents have the right to cancel loans, all or in part, if they borrowed more than needed. 贷款取消选项包括联邦直接贷款计划, the Minnesota SELF Loan Program, the Private Educational Loan Program, 和联邦教育补助金在支付之前的任何时间或在贷款支付通知的14天内. 

CANCELLATION OF LOAN FUNDS FORM

如果你的贷款已发放超过14天，而你希望取消或退还贷款资金, you must contact your loan servicer to make a payment.

St. 云之州重视员工的诚信，并希望他们遵守法律, 在履行职责的同时遵守学校的规章制度和政策.

The Student Loan Code of Conduct 适用于金融援助办公室员工和参与教育贷款的大学员工.