联邦直接加

The Federal Direct Parent Loan for Undergraduate 学生 (PLUS) offers parents an excellent low-interest loan alternative to paying for college costs during the academic year. 通过直接PLUS贷款, a family can borrow up to the difference between the cost of attendance and the amount of any financial aid the student is receiving.

直接PLUS福利

直接加保计划的好处包括:

• 低利率
• 较低的月供
• an extended payment period for educational costs
• option of deferring repayment based on student’s enrollment status

谁可以申请

为学生借直接加, the parent borrower must be the student’s biological or adoptive mother or father. A stepparent whose assets and income are taken into account when determining the student’s expected family contribution is also eligible to borrow a Direct PLUS. There is no grace period for a Direct PLUS. Interest begins to accrue immediately after the first disbursement of the federal Direct PLUS, and repayment of both principal and interest begins within 60 days after the final disbursement of the loan.

利率及条款

利率固定在8.05 percent for a Direct PLUS for the 2023-2024 academic year with a first disbursement on or after July 1, 2023年和7月1日之前, 2024.

Direct PLUS Loans whose first disbursement is made on or after October 1, 2020, 10月1日之前, 2024, are subject to an origination fee of 4.228%.

There is no grace period for Direct PLUS. 然而, 7月1日以后发放的贷款, 2008, parent borrowers have the option of deferring repayment based on your enrollment status. Specifically, parent borrowers may defer repayment:

• While you, the student, are enrolled on at least a half-time basis, and
• During the six-month period after you cease to be enrolled on at least a half-time basis

The parent borrower may complete and submit the in-school deferment request form, by visiting the Direct Loan website or by calling the Direct Loan Servicing Center (DLSC) at 800.848.0979 寻求帮助. If the parent borrower does not choose to defer payment, repayment begins 60 days after full disbursement of the loan.

Interest will be capitalized until repayment begins. 如果选择延期, your parent will be sent a quarterly interest 状态ment and will have the option of paying the interest as it accrues during the deferment period. The parent borrower may be allowed up to 30 years for repayment.

除了, if a parent’s Direct PLUS application is denied due to unsatisfactory credit, the student is automatically eligible for an additional direct unsubsidized loan. First- and second-year students are eligible for an additional $6,000, and third- and fourth-year students are eligible for an additional $7,如果直接加号申请被拒绝，则为000美元.

如何申请

1. 提交 Direct PLUS loan request (required each year) and Direct PLUS Loan master promissory note (first-time PLUS borrowers only) at studentaid.政府. Parent borrowers must use their own FSA ID and not their child’s FSA ID to complete the PLUS loan request process.
2. 提交 Authorization for Direct PLUS Loan Payment of Allowable Charges (PDF) (first-time PLUS borrowers only) to the Office of Financial Aid.