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Student Loans

If you need a student loan, we can help you through the process. It’s a good choice 支付学费和学校费用. 特别是当你没有助学金或奖学金的时候 to cover the costs.

Students studying

贷款可以是补贴的(你在毕业前不必支付利息),也可以是非补贴的 (贷款一开始利息就开始增加).

很多达美航空的学生通过贷款来支付大学学费. 在达美航空,我们的学费很低 rates, you'll be paying back a lot less than your friends attending a university. 


  • Students in class
    We're here to help

    我们希望你们实现自己的梦想. 我们是来帮你的. Whether that's 帮你办理贷款手续,或者其他什么事. 

    Contact us

Types of Loans

与助学金和勤工俭学不同,学生贷款是从教育部贷款的 必须连本带利偿还的教育. 所以在你申请学生贷款之前, 想想你将在数年内偿还的金额. Make sure to learn the basics and manage your loan debt. 如果你有任何问题,我们可以帮你!

Federal Direct Stafford Loan

联邦直接补贴贷款和无补贴贷款项目每年都有 cumulative (lifetime) limits. 你的学生资助报告(SAR)列出了你的累积 贷款,但重要的是,你也保持记录的所有贷款交易.

Subsidized Loans

直接补贴贷款适用于有经济能力的本科生或研究生 need to borrow money to help pay for their educational expenses. Generally interest 直到学生毕业、退学或下降才累计 half-time.  

Unsubsidized Loans

The Direct Unsubsidized Loan enables undergraduate or graduate students to borrow money to pay for their educational expenses regardless of financial need. Interest 学生在校期间无补贴贷款的利息. The student may choose to pay the interest while in school to avoid paying interest on interest.

如何申请联邦直接斯塔福德贷款

Before requesting Federal Student Loans, you must first complete the FAFSA.

一旦你完成了FAFSA,你将需要完成一个 Master Promissory Note and Loan Entrance Counseling 联邦学生资助计划的本科生. You will need your FSA ID

接下来,在您的Delta Financial Aid自助账户中完成以下步骤:

  1. 登录“学生自助服务”.
  2. Select Financial Aid.
  3. Click on "Request a New Loan" from the financial aid drop down menu
Eligibility
  • 必须注册至少6学分.
  • 一定要保持满意的学业成绩吗.
  • 直接补贴贷款适用于有经济能力的本科生或研究生 need to borrow money to help pay for their educational expenses.  Generally, interest does not accrue until you graduate, withdraw from school or drop below half-time.   如果你在7月或之后第一次获得斯塔福德直接补贴贷款 2013年1月1日,你可能会在学校引起兴趣.
  • Interest accrues on an unsubsidized loan while you are in school. You may choose to 在校期间支付利息或将利息资本化.
Interest Rates

利率将是“可变固定”利率.  这意味着你可能会收到一个新的 rate with each new loan, but the rate will be fixed for the life of the loan. New 财政部将于每年7月1日至6月30日设定利率 of Education 可以在联邦学生援助网站上找到 Interest Rates and Fees page.

Loan Fees

The loan award amount shown on your Offer Letter is the gross amount. Federal Direct 贷款需要一笔发起费,这笔费用会在达美航空收到贷款之前扣除 College. Current origination fees can be found at the Federal Student Aid website on the Interest Rates and Fees page.

Borrowing Limits
年度最高限额(2008 - 2009年开始)
Student Level & Dependency Status Maximum Stafford (Subsidized & Unsubsidized) Maximum Subsidized 
Dependent Freshman  $5,500 $3,500
Dependent Sophomore  $6,500 $4,500
Independent Freshman  $9,500 $3,500
Independent Sophomore   $10,500 $4,500
寿命限制(2008-2009年开始)
Student Level & Dependency Status Maximum Stafford (Subsidized & Unsubsidized) Maximum Subsidized
Dependent Undergraduate $31,000 $23,000
Independent Undergraduate $57,500 $23,000
联邦直接母公司加贷款

联邦直接父母加贷款是由父母通过美国财政部借款 Education to help pay for the cost of their child’s education. The loan is paid back to the lender by the parent. 家长通常会开始支付 on the loan once the funds are fully disbursed to the school. However, a parent can request a deferment while their student is enrolled at least half-time. Interest begins 利息在支付时发生,如支付利息,则资本化 not made.

如何申请联邦直接加贷款

Your parent needs to log into Federal Student Aid and choose Apply for a Parent PLUS Loan from the APPLY FOR AID option. 

Eligibility
  • 你必须完成FAFSA,并被视为受抚养学生的定义 application.
  • You must be enrolled at least half-time (six or more credits).
  • 你必须保持令人满意的学业进展在GPA,完成 rate, and eligibility based on the students program of study.
  • 你的父母不能有不良的信用记录或在任何联邦贷款违约.  However, if your parent has extenuating circumstances, visit the PLUS Loan Eligibility page for more information.
  • They must be your biological parent, adoptive parent or stepparent.
Interest Rates

利率将是“可变固定”利率. 这意味着你可能会收到一个新的利率 with each new loan, but the rate will be fixed for the life of the loan. New interest 学费将由教育部在每年7月1日至6月30日之间制定 可以在联邦学生援助网站上找到 Interest Rates and Fees page.

Loan Fees

The loan award amount shown on your Offer Letter is the gross amount. Federal Direct PLUS Loans require an origination fee, which is taken out prior to being received by Delta College. Current origination fees can be found at the Federal Student Aid website on the Interest Rates and Fees page.

Borrowing Limits

你父母能借到的最大金额等于上学费用减去 你接受的任何其他经济援助. 

如果PLUS不被批准,可选择

你可以填写一份德尔塔大学联邦斯塔福德贷款申请,并注意他们 你想要一笔加补贷款吗. 有了PLUS否认的证明,你也许可以 borrow up to an additional $4,000 per year in unsubsidized loans.

Federal Direct Plus Loans for Graduate and Professional Degree Students

Delta College is a community college and does not offer graduate degree programs; 因此,学生没有资格申请联邦直接加毕业生 and Professional Degree loans.

Alternative Education Loans

在申请另类教育贷款之前,我们强烈建议您先申请 complete the FAFSA. Doing so, allows you to be considered for grants, as well as for Federal Direct student loans.

Federally funded Direct undergraduate student loans do not require a credit check or co-signer and offer fixed interest rates that are often more advantageous than alternative educational loans.

可选择的教育贷款可以作为学生的项目的一个选择 没有资格获得联邦第四章财政援助的学生 保持学术进步的标准,或那些显示出剩余的需要之后 all other financial aid is subtracted from their college's cost of attendance.  The 替代贷款以及联邦、州和机构的援助和资源的组合 你获得的奖励不能超过出席费用.  Alternative loans can only 用于学术信用等级和一些贷款人要求至少一半的时间 enrollment.

以下是一些提供替代方案的私人贷款机构的名单 过去给德尔塔大学学生的教育贷款.

在申请时,贷款人被要求向申请人提供某些信息披露 for a private loan. 要查看这些披露,请查看 Truth in Lending Act as written into law. This law is designed to safeguard consumers by requiring lenders to provide terms and conditions on private financial transactions. When applying for 对于另一种贷款,你的贷款人应该向你提供概述的信息 in this act.

2008年的高等教育机会法案要求在接受私立教育之前 贷款人可以为在学校就读的学生确定一笔私人教育贷款 受过高等教育的,私人贷款人必须取得本人签字、完成的自认证书 form. 大多数贷款机构将直接向学生提供这种表格. If your lender does not, you can obtain a Private Education Loan Applicant Self-Certification form at 云顶官网app下载财政援助办公室.

Student loan disbursements

学生贷款发放信息
  • 在联邦直接贷款(斯塔福德)或家长贷款由达美航空认证后 大学,你将收到电子邮件通知,指示你访问你的财务 Aid Self-Service My Awards page for approved loan type and amount.
  • 您还将收到关于联邦直接(斯塔福德)和/或家长的信息 联邦政府批准的PLUS贷款. 这封信将包括批准 贷款金额和预计发放给德尔塔学院的资金日期 for processing.
  • 在发放贷款给你之前,会先核实你的出席情况 adjusted if necessary.
  • 贷款每学期分两期发放.
  • 第一批贷款资金将在大约8周后发放 课程开始后的学期,学生注册了6个或更多的学分 hours.
  • 第二次支付将在学期中点附近的课后进行 你已经开始学习了6个或更多的学分.
  • 您的学费和其他费用可能会被收取到您批准的贷款减去贷款来源的金额 fees. 只有在你被录取的情况下,贷款才会让你的课程一直持续到资金收到 在6个学分中,候补名单不算数. 如果在收费后仍有余额 been deducted from the loan, the difference must be paid by payment deadline.
  • 如果在学费之后还有信用余额,你可以在学生贷款中收取帐款 and fees have been paid.
  • 您将通过您的达美电子邮件帐户收到您的贷款资金 在德尔塔学院和资金发放之前. 贷款余额支票已寄出 由学生帐单办公室寄到你目前在学校的家庭住址.
    一旦你的帐户已全部付清,贷款收益将被退还给你.
  • 如果您的账户在下学期注册开始前没有支付全额, Delta学院将冻结你的账户直到你交学费和其他费用 have been paid in full.

Student Loan Policies

直接(斯塔福德)和加贷款的联邦政策

在处理贷款申请和学生之前,必须收到一份完整的FAFSA must be enrolled in a minimum of six credits to receive loan funds. Classes that are 候补名单不计入注册水平.

联邦的资格指导方针适用于贷款,类似于赠款和 如经济援助政策,如出勤率和学术标准所述 Progress. A Master Promissory Note and Entrance Loan Counseling for undergraduates 必须在贷款申请被处理之前完成.  Parent PLUS loans require 父母完成主本票,但贷款咨询是不需要的.

一个学期开始前的联邦贷款将基于这个数字 学生要求的学分. 联邦贷款发放给学生 in two equal installments each semester, the first being applied after the 30-day 本学期成绩和第二学期中点后. Prior to loan disbursements, 如果实际入学水平低于申请要求,贷款可能会减少 form. Disbursements will be canceled if students are not enrolled in a minimum of six credits and any remaining balance will become the student’s responsibility to pay in full.

有联邦贷款的学生在继续入学时可以延期还款 六个或更多的信用,并给予六个月的宽限期开始偿还 一旦学生毕业或低于6学分. 宽限期马上开始 一旦学生低于六个学分. 退出贷款咨询也是必需的 学生一旦宽限期开始.

达美书院将不会批准逾期付款.

在审查学生的总负债时,联邦政府从达美航空贷款也一样 将考虑其他机构. 学生可以查看他们的贷款和援助记录 through Federal Student Aid.  访问该网站需要联邦学生援助(FSA)的用户名和密码.

有关人口普查日期、人口普查标准的详情,请浏览以下网页 学术进展等资助政策:

Financial Aid Policies

云顶官网app下载贷款行为准则

Delta College recognizes that ensuring the integrity of the student financial aid 进程对于提供公平和可负担的高等教育机会至关重要 Michigan. Therefore, these guidelines are designed to avoid any potential for a conflict Delta学院和学生或他们的父母在学生经济方面的兴趣 aid process.  Accordingly, the College shall adhere to the following principles in 学院的经济资助运作:

达美大学贷款行为准则
I. 大学职员不应享有任何个人福利

学院职员不得接受礼物或任何超过名义价值的东西 代表他或她,或代表来自任何贷款机构的其他人或实体. 礼品一词指的是任何酬金、优惠、折扣、现金、股票、礼品、娱乐、 自费旅行,或其他货币价值超过最小值的项目 amount. Likewise, an individual should never receive payment or reimbursement from 提供住宿、膳食或参加会议或培训研讨会旅行的贷款机构. 但是,学院的员工可以:

  1. 与任何贷款机构开展非大学业务,并获得相关价值 只要这种价值不是有意影响的 从事高校业务的员工;
  2. 经营学院业务,并代表学院获得无关的价值 贷款机构的学生贷款活动;
  3. 参加由资助或赞助的免税组织的会议 由一个以上的实体和,接收材料,点心,和其他的东西 like value provided at such professional conferences and meetings; and,
  4. Hold membership in, serve on the board of or participate in the activities of any 免税组织,获得旅行报销和其他类似的东西 免税组织为此类活动提供的价值.
  5. 接受为借款人提供的进出咨询服务,以满足机构的要求 根据HEA的要求,负责出入境咨询工作 该机构的工作人员控制着咨询和特定贷款人的产品 服务得不到推广.
II. College employees should not serve on lender advisory boards for remuneration

学院的员工不能为学院做出经济援助的决定 是否受雇于、监督或对学院有责任或权力 经济援助办公室将获得作为成员或参与者的任何报酬 of a student loan advisory board of a Lending Institution or any reimbursement of expenses for such service. Any employee of the College who serves as a member or participant 贷款机构董事会成员应回避董事会的任何讨论 云顶官网app下载的财政援助运作.

III. The College Should Not Provide Any Advantage to a Lending Institution

学院不得接受任何出借机构提供的任何有价值的东西作为交换 向贷款机构提供的有关的任何利益或考虑 其学生贷款活动,包括但不限于收入分享、印刷 成本或低于成本的计算机硬件或软件. 同样,学院也不得 容许任何贷款机构:

  1. Staff the College’s financial aid office at any time; or
  2. 与学院学生或家长进行沟通,进行创新 借出机构是学院雇员或代理人的印象 与学院的学生经济援助运作有关,包括通过 吉祥物、标志等的使用.
  3. 禁止机构通过奖励包装或其他方式分配a 借款人首次向特定贷款人贷款或拒绝认证或延迟认证 of, any loan based on the borrower’s selection of a particular lender or guaranty agency.
  4. 通过禁止机构申请或取消“机会池贷款”,消除“机会池贷款” 接受任何为私人教育贷款提供资金的机构 of higher education providing the lender with a specified number of loans or loan 数量,或优先贷款人安排第四章贷款. This does not include 由机构担保的任何私人贷款.e. a recourse loan).
  5. 就FFELP贷款提供收入分享安排.

最后,学院不得与任何借出机构订立任何协议 to provide alternative (i.e.例如,非联邦或“机会”的)学生贷款项目 如果提供这样的另类贷款项目会对其他学生或家长产生偏见.

IV. The College Should Make Appropriate Use of any Preferred Lender Lists

如学院决定公布一份或多份优先选择或贷款机构的名单 对于学生贷款或类似的排名或指定(“优先贷款人名单”) 选择贷款机构列入优先贷款人名单应 以学生和家长的最大利益为基础 考虑到学院的经济利益. 此外,任何优先贷款人 List shall clearly explain:

  1. 学生及家长可自由选择贷款机构 并不会因使用借出机构而受到学院的处罚 它不是“优先贷款人”;
  2. 学生及其家长不需要使用任何“优先贷款人”;
  3. Where to find information on other Lending Institutions for student loans;
  4. 学院将立即证明任何由学院选择的贷款机构所提供的贷款 借款人,根据美国.S. 教育部规章制度;
  5. The process the College utilized to select “preferred lenders,” including but not limited to the criteria used and the relative importance of such criteria;
  6. 在哪里可以找到有竞争力的利率、条款和条件的信息 of federal loans;
  7. 在哪里可以找到有关利率、贷款服务或其他福利的资料 by “preferred lenders;” and,
  8. 哪里可以找到关于“优先贷款人”出售贷款的协议的信息 to other Lending Institutions.

学院应每年审查任何优先贷款人名单以确定 名单上出现的信息是准确的,任何网站链接 are still viable.

Resources

我们想确保你有足够的信息来做出明智的决定 it comes to students loans. 这里有一些资源可能会帮助你 way.


成功秘诀:只借你需要的东西.

You don't have to accept the entire amount of the loan you’re offered. Think smart. And, think ahead. If you don't really need what's been offered, you can save money 从长远来看,避免支付更多的利息. 


Half the cost

Less than half the cost of a public university, with the same quality education.

Interest free tuition plan

An interest-free tuition plan that spreads out your payments.

50 percent

云顶集团地区一半的学生得到了某种形式的帮助.