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A Federal Direct Subsidized loan is a low interest need-based loan made to students enrolled at least half-time who have completed the FAFSA for the appropriate academic 一年.  

 

- The student must be meeting Satisfactory Academic Progress requirements in order to be eligible for the loan.  

- The federal 政府ernment pays the loan interest while the student is in school, 和

- Loan repayment begins six months after the student graduates or drops below half-time 招生.  

Due to Federal legislation enacted in August '21, eligibility for the subsidized loan is no longer limited for new borrowers who receive a subsidized loan first disbursement on or after July 1, 2021.  The law previously limited the period of time for which a borrower may receive subsidized loans to 150 percent of the published length of the student's program of study.  

A Federal Direct Unsubsidized loan is a low interest non need-based loan made to students enrolled at least half-time who completed the FAFSA for the appropriate academic 一年.  

 

- The student must be meeting Satisfactory Academic Progress requirements in order to be eligible for the loan.  

- Direct Unsubsidized loans accrue interest while you are enrolled.  你可以选择 to pay the interest each month while in school or allow the interest to accumulate.

 

- Loan repayment begins six months after the student graduates or drops below half-time 招生.  

The Federal Direct PLUS loan is available to parents of dependent undergraduate students who have completed the FAFSA for the appropriate academic 一年.

 

- Interest is charged during all periods.  

美国.S. Department of Education will evaluate the borrower's credit history to determine eligibility 和 if approved will be valid for 180 days.  Basic eligibility requirements 包括:

-你一定是美国人.S. citizen or eligible noncitizen,

 

- You cannot be in default on any federal loans 和

 

- The student must be enrolled at least half-time 和 be meeting satisfactory academic progress.  

The loans are available to parents (natural, adoptive or step parent whose information is on the FAFSA) of dependent students. 

Private education loans should only be considered after students 和 parents have explored federal loan options which often have lower interest rates. 学生 have not applied for federal aid, including federal loan programs, may do so by completing FAFSA在线.  

 

- Interest rates 和 terms vary by lender

 

- Students may borrow up to the cost of attendance minus any other financial aid, 和

 

- Students do not have to be making satisfactory academic progress in order to be eligible for the loan.  

应用: FastChoice

学术水平	贷款限制 Dependent Students	贷款限制 Independent Students
Freshman 年度 Limit	$5,500 No more than $3,500 in  补贴贷款	$9,500 No more than $3,500 in  补贴贷款
Sophomore 年度 Limit	$6,500 No more than $4,500 in  补贴贷款	$10,500 No more than $4,500 in  补贴贷款
The following loans are only for students in the Bachelor Degree 项目 at Collin 大学.
初级 & 高级  年度贷款限额	$7,500 No more than $5,500 in 补贴贷款	$12,500 No more than $5,500 in 补贴贷款
Aggregate 贷款限制 本科	$31,000 No more than $23,000 in 补贴贷款	$57,500 No more than $23,000 in 补贴贷款

 

The Subsidized loan interest rate for the 2023-2024 一年 is 5.50% for loans disbursed on or after 07/01/2023.

 

美国nsubsidized loan interest rate for the 2023-2024 一年 is 5.50% for loans disbursed on or after 07/01/2023. 

 

The PLUS loan interest rate for the 2023-2024 一年 is 8.05% for loans disbursed on or after 07/01/2023. 

1. Complete the FAFSA (Free Application for Federal Student Aid) at http://www.fafsa.gov.

 

2. Turn in all documents requested by the 金融援助 Office.  在我们收到 your FAFSA results from the federal processor, any required documents will be listed on your CougarWeb account under the 金融援助 tab.

 

3. A Master Promissory Note (MPN) must be completed by all students receiving federal student loans one time while attending 科林大学 和 can be found by logging into your Federal Student Aid account 在这里. 

 

4. Complete on-line Entrance Counseling by logging into your Federal Student Aid account 在这里.

应用 for a 卡尔 loan by clicking on this link: 卡尔  

0.2020年为0%，3.4% for 2019, 和 13.2018年3%