直接PLUS贷款
Direct Parent PLUS Loans are loans in a parent's name for a dependent undergraduate student enrolled at least half-time in a degree program. It is not necessary to demonstrate 金融 need in order to receive a PLUS Loan, however the student must file a Free Application for Federal Student Aid (FAFSA). Filing the FAFSA may qualify the student for Federal and Institutional aid. Approval for the PLUS Loan is based on good credit. The maximum PLUS Loan amount that parents can borrow on a yearly basis is the cost of attendance minus any other 金融 aid received.
- To apply for the Parent PLUS Loan, click 在这里.
- If this is your first time borrowing, you will need to complete a PLUS MPN for Parents, found 在这里.
- If you have adverse credit history and have obtained an endorser or documented extenuating circumstances, you will need to complete PLUS Credit Counseling.
Direct Graduate PLUS Loans are loans in the student's name for graduate or professional studies. For a graduate or professional student to receive a PLUS Loan they must file the Free Application for Federal Student Aid (FAFSA) that provides consideration for the unsubsidized Federal Direct Loan. Approval for the PLUS Loan is based on good credit and the student being enrolled at least half-time in a graduate or professional degree program.
- To apply for the Graduate PLUS Loan, click 在这里.
- If this is your first time borrowing, you will need to complete a MPN for 直接PLUS贷款, found 在这里.
- If you have adverse credit history and have obtained an endorser or documented extenuating circumstances, you will need to complete PLUS Credit Counseling.
Current interest rates for Parent PLUS and the Graduate PLUS loans can be found 在这里.
Please note: PLUS loan applications for the new 金融 aid year are typically available in April.
Alternative Loan Information
Should You Borrow a Private Loan?
Students should not consider borrowing private student loans until they have exhausted their maximum federal student loan eligibility. The terms and conditions of these credit-based private loan programs vary, 因此, students are encouraged to review the details of the programs before selecting a private loan program.
You should consider a private loan if any of the following situations apply:
- All federal loan options have been exhausted and additional funds are needed to meet the student's cost of education.
- The student or parent is unable to borrow federal student/parent loans.
- The student is responsible for financing their education, and they need to borrow additional funds.
- Funds are needed for a previous semester and it is too late to borrow federal loans. (Many private loans allow students/parents to borrow funds to repay overdue university charges from previous semesters).
榆树选择
UNH encourages families to explore specific loan terms and compare before applying for any loan. The alternative loan options are designed specifically to help you fill the gap between your 金融 aid award, 你的联邦贷款, and what your total educational costs will be. You may want to consider beginning the application process for your private educational loan several weeks before your payment due date. This is to ensure that t在这里 is sufficient time for your loan to be processed, 认证, 和支付.
ELMSelect offers students the ability to compare and select the loan product that best fits their needs. We encourage students to first complete the FAFSA (Free Application for Federal Student Aid) to apply for federal aid. The terms and conditions on a federal loan may be more favorable than the provisions in private educational loans. These types of loans require a completion of an application and a valid credit check.
列出的贷款人 ELMSelect are not ranked in any way nor can we recommend a particular lender to you. 在 ELMSelect, you are able to sort and filter by different repayment types, fixed vs variable rates, and other requirements. Additionally, you have the right to borrow through any lender, even those not on this list.
