Parents of dependent students may apply for a Federal Direct PLUS Loan to help pay their child's education expenses as long as certain eligibility requirements are met. 符合资格申请“家长直接加贷”贷款:
- The parent borrower must be the student's biological or adoptive parent. 在某些情况下,是学生的继父母 可能符合条件.
- The student must be a dependent student who is enrolled at least half-time at a school that participates in the Direct Loan Program. 一般, a student is considered dependent if he or she is under 24 years of age, 没有家属, 并且没有结婚.
- The parent borrower must not have an adverse credit history (a credit check will be done). 如果父母没有通过信用检查, the parent may still receive a loan if someone (such as a relative or friend who is able to pass the credit check) agrees to endorse the loan. 背书人承诺,如果家长未能偿还贷款,背书人将偿还贷款. The parent may also still receive a loan if he or she can demonstrate extenuating circumstances.
学生和家长必须是美国公民.S. 公民或符合条件的非公民, must not be in default on any federal education loans or owe an overpayment on a federal education grant, and must meet other general eligibility requirements for the federal student aid programs. For additional information on eligibility requirements, visit the Federal
学生资助资格 page.
申请直接PLUS贷款, the parent must complete a Direct PLUS Loan Application and 主本票 (MPN). The MPN is a legal document in which the borrower promises to repay the loan and any accrued interest and fees to the Department. 它还解释了贷款的条款和条件. 在大多数情况下, one MPN can be used for loans that a parent receives over multiple academic years although a separate Loan Request must be filed for each school year. 如果父母之前签署了MPN以获得FFEL PLUS贷款, 他或她将需要签署一份新的MPN,以申请直接PLUS贷款.
在网上完成PLUS申请和MPN
www.studentaid.gov
The annual limit on a PLUS Loan is equal to the student's cost of attendance minus any other financial aid the student receives.
例如, 如果出勤费用是6美元,000美元,学生得到4美元,其他财政援助, 学生家长最多可以申请2美元,000.
Repayment Plans-The Direct PLUS Loan Program for parents offers three repayment plans-standard, 扩展, and graduated-that are designed to meet the different needs of individual borrowers. 还款计划的条款有所不同, 但一般来说, 借款人将有10到25年的时间来偿还贷款. 要了解更多关于还款计划的信息,请访问还款信息.