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直接贷款的种类

直接资助贷款

A subsidized loan is for students who demonstrate a financial need which is determined 根据联邦法规. These loans charge no interest while you are in school as at least a half-time student (taking 6 units), during your grace period, 和 during your deferment periods Interest begins to accrue once you enter repayment.

直接无补贴贷款

Direct Unsubsidized loans are not based on financial need. 人们的兴趣开始 在你的第一次支付后累积. 在所有期间都要收取利息 including the time you are at school 和 during grace periods 和 deferment periods.

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贷款金额

The Direct Loan amount you request may not be the amount you are eligible to receive. PCC determines your amount of eligibility based on the 招生 和 记录 grade 认证时的级别. We also determine the maximum amount of eligibility based on other factors such as your current student cost of 出席 budget 和 经济援助奖.

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直接贷款资格要求 

Requirements 和 criteria needed for a student loan:

1. All loan requests must be filled out completely 和 are reviewed on a case by case 基础.

2. You must be enrolled in at least 6 degree applicable credit hours. 如果你跌落到下面 6 units this will result in the cancellation of all loan funds 和/or return of any 剩余的资金. You will also be required to complete the Exit 咨询 at 学生贷款.政府.

3. 你必须保持 学业进展满意(SAP) 和 have a  status of Good or Warning for terms applying for loans 和 have a 2.0 支付时的累积GPA.  

4. Having an Appeal 批准 does not mean that your loan request will be automatically 批准.

5. As part of our default prevention plan, as a student loan applicants you must have met with an academic counselor to obtain your 综合教育计划 并确保学业目标和进步.

6. All documents must be submitted to the Office of 金融援助 by the 贷款申请截止日期.

7. The total 经济援助奖, including loans, cannot exceed a student’s cost of 出席. Loan amounts may be adjusted to accommodate new awards such as grants, 奖学金或其他类型的资源.

8. You must complete an Electronic Master Promissory Note (E-MPN) online at 学生贷款.政府.

9. As part of our default prevention plan, all student loan applicants must complete 网上入学辅导.

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首次借款人vs. 在PCC归还借款人

你是一个 一年级的借款人 if you are a student with less than 30 completed units at PCC. 作为第一次借款人 at PCC, you will also have your first disbursement of loan funds delayed for 30 days 根据联邦法规. 你是一个 二年级的借款人 if you are a student with at least 30 or more completed units. 两种类型的借款人 必须在线完成 直接贷款入学辅导 , which will explain the terms 和 conditions of the loan 和 provide information about the various Direct Loan repayment options. 

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支付

Loan funds are issued once per term during the loan period, but not more than ten 开学前几天. If you are a first-time borrower, you will have your funds held until you have passed the 30th day of enrollment. 对于贷款是1 semester only, the loan proceeds will be disbursed twice in the semester. 第一个 disbursement will come at the beginning of the semester 和 the second disbursement 会在学期中期发生吗.

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偿还贷款

Repayment of your loan will begin six months after you graduate, withdraw, or drop 在中场休息时. Avoid defaulting on your student loans at all costs. 如果你碰到 financial problems with your repayment schedule, contact the Direct Loan Servicing 电话:1-800-848-0979. There may be solutions that can keep you on track 和 protect 你的信用评级.

有关管理贷款债务的提示，请访问 直接贷款服务中心 和 现金的课程 金融知识信息.

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