接受:学生将来访 www.studentaid.政府 and log in using the username and password from the FAFSA (DO NOT log in with a parent’s username and password). 学生需要完成 贷款入学辅导 然后签个字 主本票.

Pro tip: Have your financial aid offer with you before beginning this process! You will be asked to report the sum total of your financial aid and college costs.

To decline: the student should email their request to faoffice@ynsinuo.com 拒绝贷款. 的 email must come from the student’s 十大菠菜台子 email address.

接受:学生将来访 www.uasconnect.com and create an account using their 十大菠菜台子 email address. Once the student logs in and finishes setting up their account, the student will complete the eight step module. 

Pro tip: Have your financial aid offer with you before beginning this process! You will be asked to report the sum total of your financial aid and college costs.

To decline: the student should email their request to faoffice@ynsinuo.com 拒绝贷款. 的 email must come from the student’s 十大菠菜台子 email address.

Borrowing a student loan to help fund your education is an investment in your future-especially if it is done with knowledge and understanding of what it means for you both in the immediate, 在未来. That includes understanding what borrowing a loan means, 何时开始付款, 利率, 以及发起费.

Most information a student or family may need on all things federal student aid can be found at Studentaid.政府, and all-encompassing loan info can be found directly at: http://studentaid.gov / understand-aid /类型/Loans. 

的 federal direct subsidized or unsubsidized student loans a student may borrow all require repayment eventually (6 months after graduation or dropping below half-time enrollment is start of required repayment-called a grace period- but early payment is always an option!). 的 subsidized loan does not earn interest while student is enrolled at least half-time and would not begin accruing interest until that 6 month grace period has ended. 无补贴贷款, while also not requiring repayment while in school, will be earning interest from the day it is disbursed (applied to student account). 

的 federal 政府ernment sets the interest rate each year for the upcoming school year, and the rate your federal loans are at during the aid year you take them out is locked in for all of repayment for that loan. 的 rates are valid from July 1-June 30th each year. This year’s 利率 are available online at: http://studentaid.gov / understand-aid /类型/Loans/interest-rates.

当学生接受联邦贷款时, 他们接受的是总金额, known as the gross amount (which is the amount for that loan they will be paying back plus interest)- however the federal 政府ernment requires an origination fee/loan fee to be assessed to each type of loan borrowed from them, prior to sending the funds on behalf of the student.  目前, direct federal subsidized and federal direct unsubsidized loans have an origination fee of 1.057%. This means that whatever gross amount you are accepting, there will be 1.057% not included in what gets applied to the student account-referred to as the net amount. A helpful example for freshman would be if you are accepting $3,补贴贷款500元(总额), 政府会给你1美元,秋季学期732美元，外加1美元,春季学期732分, 净额为3美元,464 over the course of the year that will actually be sent to the school on the students’ behalf to apply towards the bill.