Types of Aid - Loans
A loan is borrowed money that must be repaid. 有不同类型的联邦贷款，以及私人贷款. UWF鼓励学生首先寻求非贷款的经济援助选择，如助学金和/或奖学金，如果有资格的话.
A loan is borrowed money that must be repaid. Low-interest, 长期贷款是根据证明的经济需要或就读费用发放的. There are different types of Federal Direct Loans. For the students that must borrow, UWF鼓励借最少的钱来满足你的需要.
当你完成了FAFSA，你就申请了所有的援助项目. 您不需要单独填写联邦直接贷款申请. There are two types of Direct Loans:
- Subsidized -如果你注册了至少半小时(6小时)，你将不会被收取利息。, during your grace period, or during periods of deferment. 补贴贷款只提供给本科生.
- Unsubsidized - not awarded on the basis of need. 你将被收取利息，从贷款发放的时间，直到它被全额支付. 如果你允许利息累积，它将被资本化. 利息将被加到贷款的本金上，额外的利息将以较高的金额为基础. This will increase the amount of money to be repaid. 如果利息是累积的，你会少还一些.
如果你已经接受或拒绝了你的贷款，你想 request changes, please complete the Direct Loan Request Form.
Learn more about federal student loans. 学生也必须完成入学辅导，并签署主本票到 StudentAid.gov.
研究生PLUS贷款允许研究生借款，最高可达出勤总费用减去任何其他经济援助. The interest rate is currently fixed at 6.31%，一般在上学期间延期还款.
为了符合研究生PLUS的资格，学生必须满足基本的资格要求:
- Complete the FAFSA. While it is not required, 我们建议你在申请研究生PLUS贷款之前先申请你的最高无补贴贷款限额.
- 至少修满3个研究生学分.
- Be a U.S. citizen or eligible noncitizen.
- Maintain Satisfactory Academic Progress Standards.
- Pass a credit check.
- Graduate students may apply for the Grad PLUS loan at StudentAid.gov.
Federal Direct Parent (PLUS) Loans
家长PLUS贷款允许家长代表其受抚养人借款, 学时不少于半学时(6学时)的本科生子女. PLUS贷款不能超过就读费用减去其他资助. 受供养本科生的家长可于 StudentAid.gov.
- Please note在获得PLUS贷款之前，您需要完成FAFSA. 还款在贷款发放后60天内开始，除非家长要求延期还款.
Alternative/Private Loans
Although it is not required, 我们鼓励您在申请私人/替代贷款之前，充分了解所有联邦贷款资格. 还要注意，从UWF金融援助办公室认证贷款到资金可以释放到您的账户时，有一段等待期. 如果你打算用这笔钱来支付学费截止日期前到期的费用，建议在学期开始前申请私人贷款. 联邦贷款的条件通常比私人贷款更优惠. In the event you do not qualify for financial aid, have reached the aggregate loan limit, or need aid in excess of what you have been awarded, you may apply for a private loan, often referred to as an alternative loan. With this type of loan, you are applying through a private lender, 经济援助办公室只证明你的入学和教育费用. 贷款人进行信用检查以决定是否批准贷款. 贷款人决定利率、处理费和还款.
You have the right to select any lender of your choice. Once your application has been completed and processed, 它将在24到48小时内以电子方式发送给我们，这样我们就可以开始认证过程. 我们不推荐具体的贷款机构，也选择不公布个别贷款/贷款机构的具体信息，因为借款人的利益可能会在不通知的情况下发生变化. Interest rates and loan terms vary greatly among lenders; you should look at all options in selecting a private loan. 找到贷款人的最好方法是在网上搜索“私人学生贷款”。. 有关特定贷款的详细信息可以在贷款机构的网站上找到，也可以直接与他们联系. 网上也有比较工具，可以让你看到多个贷款机构的多个选择，就像人们研究抵押贷款机构一样. 由于立法和经济的变化，学生贷款行业, 我们建议您在提交贷款申请之前联系贷款人，以确定他们是否接受UWF学生的申请. 有一些贷款机构选择只接受特定院校学生的申请.
根据联邦法规的要求，我们必须在 Truth in Lending Act. 私人贷款借款人在申请私人贷款时，必须填写申请人自我证明表格. The form is provided by your lender.
私人贷款的退款方式与其他类型的经济援助相同:UWF通过银行移动支付将退款提供给您, a technology solution powered by BMTX, Inc.
All lenders will conduct a credit check. 记住，多次信用查询确实会降低借款人的信用评分.
Default Rate Notice
UWF的联邦学生贷款拖欠率(CDR)为0%, below the national average of 1% (as of Oct. 4, 2023).