Credit News

Loans – Financial Aid – Missouri State University #mortgage #rate

#financial loans


What are loans?

Loans are a type of financial aid that requires repayment after graduation. Most loan programs offer low interest rates and long-term repayment plans.

Loan categories

Undergraduate students

Learn about the requirements and application processes for loans available for undergraduate students.

Graduate students

Learn about the requirements and application processes for loans available for graduate students.


Parents of dependent students can receive loan assistance. Learn about the requirements and application process for parent-specific loans.

Non-degree seeking students

Learn more about the loan options for non-degree seeking students, specifically those pursuing teacher certification or fulfilling prerequisite work.

Teacher certification students

Learn about the requirements and application processes for students pursuing teacher certification.

  • You must be enrolled in at least half-time enrollment to receive student loans.
  • Your enrollment at the Change of Schedule Period will determine your final eligibility for financial aid.

Student Loans – UW Credit Union (UWCU, University of Wisconsin Credit Union) #grad #school #loans

#private student loan consolidation

Refinance Your Loans

If you’re done with school, consolidate your student loans into one easy, convenient payment, or refinance to a lower rate. Consolidate up to $60,000 in outstanding private or federal student loans, and take up to 15 years to repay. Choose the low rate that best fits your needs Variable Rate as low as 2.83%. Fixed Rate as low as 6.74%. 1

*Variable Rate: 2.73% annual percentage rate (APR). The APR assumes that you will be in school for 4 years and have a 6-month grace period before repayment begins. Borrowing $10,000 at 2.83% accrues $1,273.32 in interest during 4 years in school and the 6-month grace period, resulting in 2.73% APR. Rate is variable and can change quarterly. For further information on rates and costs for the Variable Rate Private Student Loan, see the Application Truth in Lending Disclosure. Fixed Rate: 6.37% annual percentage rate (APR). The APR assumes that you will be in school for 4 years and have a 6-month grace period before repayment begins. Borrowing $10,000 at 6.74% accrues $3,000.48 in interest during 4 years in school and the 6-month grace period, resulting in 6.37% APR. For further information on rates and costs for the Fixed Rate Private Student Loan, see the Application Truth in Lending Disclosure. You will be required to review the Application Truth in Lending Disclosure prior to submitting an application. For both Private Student Loans, the APR can differ from the interest rate as it considers fees paid to obtain the loan, your interest rate, if payments are deferred and reflects the cost of the loan as a yearly rate. You are not required to make payments on your loan while in school, although you may make principal and interest payments any time. Making payments while attending school will lower your APR. The minimum loan amount is $1,000. Your interest rate will be determined by your credit score or your cosigner’s, whichever is greater.

Direct Loans at Mercer University Office of Student Loans #housing #loan #eligibility #calculator

#federal loan consolidation

Direct Loans

E-SIGN Directions

  1. You may complete an electronic Master Promissory Note on the Web by using your U.S. Department of Education issued PIN number at . 
  2. If you do not have your PIN number, please visit to obtain one. Please note that when you log on, your birth date should be entered in the following format: mm/dd/yyyy- Please include the dashes.
  3. After obtaining your PIN number navigate your browser to and click one of the options below to E-sign your Promissory Note:
    1. Complete New MPN for Student Loans (student ONLY applying for Subsidized, Unsubsidized, or GRAD PLUS Loan)
    2. Complete New MPN for Parent PLUS Loans. IMPORTANT NOTE: You and your parent must both sign the Promissory Note with your U.S. Department of Education issued PIN numbers.
  4. Follow the step by step instructions and be sure to choose “Mercer University Main Campus” as the Institution of record.
  5. Print your completed Master Promissory Note borrower copy to keep for your records.

Your loan cannot be finalized until this requirement has been fulfilled. If, for some reason, you need to sign a paper promissory note, we can provide one upon request. However, please be aware that this may delay receipt of your funds.

Contact Information

Please contact Direct Loans Applicant Service Line at 800-557-7394 for step by step instructions on completing your online Master Promissory Note or if you have any questions or experience any problems with the Direct Loan website.

Should you have any questions about the E-signature process contact the Student Loan Office at 800-637-2378.

Financial Aid Disbursement

Please refer to the instructions that accompanied your award notification regarding disbursement procedures or call your Financial Planning Office at:

Med School (478) 301-2853

You can also click here to get more information about the Federal Financial Aid process.

Direct Loan Program

The Mercer University Student Loan Office does not service Direct Loans once they are in repayment status. This includes all Stafford Subsidized, Unsubsidized, Parent Plus and Graduate Plus loans. These loans are serviced by the Department of Education. Please click here to proceed to the Department of Education website in order to obtain Direct Loan information and/or request deferments or call Direct Loan Servicing toll free at 800-848-0979.

Direct Loan Consolidation

A Consolidation Loan allows you to combine one or more of your federal education loans into a new loan that offers you several advantages such as one monthly payment, flexible repayment options, and reduced monthly payments. Please click here for additional consolidation information.

Access Your Loan Information

The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s (ED’s) central database for student aid. NSLDS receives data from schools, guaranty agencies, the Direct Loan program, and other Department of ED programs. NSLDS Student Access provides a centralized, integrated view of Title IV loans and grants so that recipients of Title IV Aid can access and inquire about their Title IV loans and/or grant data. Please click here to proceed to NSLDS website.

Federal Perkins Loan: Stanford University #loan #for #business

#federal perkins loan

Federal Perkins Loan

The student loan program with the best available terms is the federal Perkins loan. If your aid application shows that you have sufficient computed financial need, we may offer you a Perkins loan as part of your financial aid package. The pool of available Perkins loan funds is limited, so not all aid applicants can be offered Perkins loans.

Please note: The Perkins Loan program is expiring at the end of September. Promissory notes must be completed by September 15, 2015 to ensure your access to this loan.

Here are some of the attributes of federal Perkins loans at Stanford:

  • $5,500 maximum per academic year for undergraduate students.
  • $8,000 maximum per academic year for graduate students.
  • 5.0% fixed interest rate during repayment. No interest is charged while you are enrolled in college at least half-time or during the nine-month grace period after you leave school.
  • No credit check required. If you are not in default on a prior educational loan, do not owe a repayment of federal grant funds, and meet federal aid eligibility requirements, you will be approved to borrow the Perkins loan.
  • No payments required while in school. Repayment begins nine months after you graduate or drop below half-time enrollment and lasts up to ten years, with a minimum monthly payment of $50. You can apply for deferment of your repayment while enrolled in a graduate or professional program or if you become unemployed.
  • Updated on September 1, 2015 3:04 PM

    Francis Marion University – About FMU: Plus Loans #payday #loans #online #direct #lenders

    #plus loans

    Plus Loans

    The majority of PLUS Loans are transferred electronically to give the student credit towards their fees and educational expenses. However, some PLUS Loans are still processed as paper checks. PLUS loans checks are endorsed and mailed to the borrower/parent no more than ten days prior to the first day of classes for the enrollment period. These funds are for the educational expenses of the student. Once the borrower/parent has received the funds, any balance due the University should be paid immediately with a personal check or money order made payable to FMU. Please be sure all University charges have been paid, since receiving the PLUS loan check does not guarantee that the student s schedule and registration has been confirmed. Please be advised that the Federal PLUS loan is intended for use while the student is enrolled at Francis Marion University. Any change in the student s enrollment status during the academic year will be reported to the PLUS lender and may result in a change of payment due dates on the PLUS loan.

    Contact Information

    Howard University Emergency Student Loans – Howard University #college #loans

    #emergency loans

    Howard University Emergency Student Loans

    The Howard University Emergency Student Loan (Institutional Loans) Program is designed to provide low-interest rate loans to students who are experiencing a temporary cash flow problem. There are various loan funds and only two types of loans:

    1. Short-term Emergency Student Loan – loans that are due by the end of the semester.
    2. Long-term Emergency Student Loan – loans that are due after the loan borrower separates from the University. Any loan borrower with this type of emergency loan must have an Entrance and Exit Interview. No late fees are charged. The only deferment provision is a student deferment for borrowers who attend school on at least a halftime basis. The loan is reported to the (3)three major credit bureaus (upon disbursement). This type of loan is not eligible for consolidation.

    The specific term of the loans are stated in the promissory note and are indicated in the individual fund regulations. Federal regulations do not apply to the Emergency Student Loan Program because the loans are Howard University money not Federal Aid.

    Short Term Loans – Financial Aid – Tarleton State University #business #financing

    #short term loan

    Take the steps to begin your journey:

    Short Term Loans

    Short-term loan funds at Tarleton State University were established to provide assistance to students who experience temporary financial difficulty in connection with educationally related expenses. These loans must be repaid with interest and/or service charge within a prescribed repayment period. It is not the intent of this program to supplement or replace and regular long-term aid or assistance offered by the Student Financial Aid Office. Short-term loans are available while school is in session and applicants must meet the requirements to be considered.

    The Deadline For Applications For Short-Term Loans Is The Census Date For Each Semester (12Th Class Day For 16 Week Sessions-Fall/spring, 4Th Class Day For 5-Week Sessions-Summer)

    Available Loans

    Emergency Tuition and Fees loan

    This loan is only to be used for required tuition and fees owed to Tarleton State University. The student can have one Emergency Tuition and Fee loan per semester. A service charge of 1.25% will be assessed.

    Tarleton Loan

    The Tarleton Loan is used for Tarleton room and board only. The amount is up to $510 and a $15 service charge will be assessed.

    Enrollment in semester installment payment plan is required for Emergency Tuition and Fees and/or Tarleton Loans. Students will be administratively enrolled in the installment/payment plan per this agreement. A $20 installment fee will be assessed.

    Gregory Nowlin or Stephen Loans

    These loans are used for Book Vouchers only and cannot exceed $500. A $15 service charge will be assessed.

    Repayment Details For The Above Loans

    Fall and Spring

    Payment is due on or before 90 days after signing the promissory note or the end of the semester, whichever is earlier.

    Graduate Loan Programs – Gonzaga University #home #mortgage #rates

    #graduate loans

    Graduate Loan Programs

    What type of Loans are you looking for?

    Unsubsidized Federal Direct Loans

    In 2012 the Federal Government has passed legislation that ended the subsidized Stafford Direct loan for Graduate students.

    Most Gonzaga students borrow directly from the Department of Education under the Federal Direct Loan Program. Your Federal Direct Loans can be managed at Eligibility for the unsubsidized Stafford is not contingent upon financial need; thus, the borrower is responsible for interest that accrues on the loan while in school. To qualify for the loan, the FAFSA must be renewed each year.

    Students are eligible to borrow $20,500 through the academic year (September-August). If a student borrows up to the $20,500 limit during the Fall and Spring semesters, they will not be eligible for the Federal Direct Loan options during the summer term. In this scenario, the only loans available to students would be through a Graduate PLUS loan or an alternative loan through a bank or credit union.

    • DISBURSEMENT: : The total amount of the Stafford Loan is disbursed in two increments within the academic year for on-campus students: one half at the beginning of the Fall term, and one half at the beginning of the Spring term. For online student and for some specific on-campus programs, the loan amount will be set to disburse in three disbursements: Fall, spring and summer terms. If a student will not be attending during the summer, that disbursement will be canceled.
    • INTEREST: 5.84% (for loans disbursed after July 1, 2015)
    • FEES: Up to 1.073% of the total amount of a Stafford Direct Loan is assessed in loan fees and is retained by the lending institution.
    • REPAYMENT: Loan repayment begins six months after the student graduates or ceases to be enrolled at least half-time. There are several repayment plan options available to you.
    • AGGREGATE LIMIT: Graduate student lifetime limit for the direct loan program is $138,500.

    All students borrowing a Direct Loan program must sign a Master Promissory Note (MPN) through the Direct Loan program, and complete entrance counseling. These steps are required once during your time at Gonzaga. The MPN and entrance counseling can be completed online at . You will need your FAFSA PIN to log into the site.

    Students leaving Gonzaga will be required to complete Exit Counseling on the loans they receive while attending Gonzaga. This can be done online at

    Federal Graduate Plus Loan Program

    The Federal Graduate PLUS Loan Program allows graduate students to borrow long-term, low-interest funds to help meet education expenses. Students must show an absence of negative credit history to qualify for this loan. The maximum PLUS loan amount is calculated by subtracting the total aid awarded to the student from the cost of attendance. To request the PLUS loan, please visit .

    • INTEREST: Fixed at 6.84% (for loans disbursed after July 1, 2015; otherwise, 7.21%).
    • FEES: Up to 4.272% of the total amount of a PLUS Loan is assessed in loan fees and is retained by the lending institution (for loans disbursed after Oct. 1, 2015; otherwise 4.292%).
    • REPAYMENT: Each PLUS loan is treated separately and repayment will begin within 60 days after all funds are disbursed each year.

    Private (Alternative) Loans

    Numerous banks offer private educational loan programs to further assist students with college expenses. All private educational loan programs are based on creditworthiness. These loans may require a credit-worthy cosigner for approval of loans.

    To help you with a private lender search, Gonzaga has compiled a comprehensive list of lenders. Each of these lenders has disbursed at least one private loan to Gonzaga University students within the last three academic years. You may select ANY lender you wish (whether it is on the list or not) without penalty. Please contact Gonzaga with any questions you may have about federal or private loan processes.

    Your lender may offer a type of private educational loan through their website that does not require school certification. Borrowing this type of private educational loan may have a serious negative impact on your existing financial aid package. Please contact your financial aid counselor before borrowing one of these loans.

    Lenders that have helped Gonzaga students in the last three years:

    Coastal Carolina University – Private Loans #personal #loans #for #students

    #private loans

    Private Loans

    Private loans can only be used to pay for educational expenses, such as tuition and fees, room and board, books and supplies, and transportation. We strongly recommend that you begin by completing the Free Application for Federal Student Aid (FAFSA) and apply for a Stafford loan, then use private loans to complete your financial aid needs.

    • MUST be in the student’s name (Parents may cosign)
    • FAFSA not required, but highly recommended
    • Variable interest rate, adjusted quarterly. Fixed rate available also.
    • Any unpaid interest that accrues while the student is in school (and not making payments while in school) will be capitalized and added to the principal balance when the student enters repayment.
    • Private loans available with and without the half time requirement (at least 6 credit hours).
    • Undergraduates usually need a cosigner, preferably a parent or guardian.

    Please note: All private loans require you to complete a Self Certification form. This form must be completed and received by the lender before CCU will receive notice of your loan. Most lenders offer this form as part of the electronic application process.

    Accredited Online College, UMUC, university course on line.#University #course #on #line


    Thank you! Help Us Serve You Better

    The discount for Federal employees and their spouses and eligible dependents will be applied to out-of-state tuition and specialty graduate programs. It does not apply to doctoral programs. This discount cannot be combined with the Completion Scholarship for Maryland community college students or the Pennsylvania Completion Scholarship.

    Undergraduate and standard graduate program tuition for students who meet the criteria for Maryland residency will be the applicable in-state rate. Tuition for active-duty military; members of the Selected Reserves, National Guard, and the Commissioned Corps of the U.S. Public Health Service and National Oceanic and Atmospheric Administration; and the spouses and dependents of these student groups will be the applicable military or specialty rate. If you are a student using Post 9/11 benefits, please contact an advisor at 800-939-UMUC to determine if you can apply both benefits.

    View important information about the education debt, earnings, and completion rates of students enrolled in certificate programs.

    All students are required to pay tuition for all courses in which they are enrolled. Tuition rates are subject to the approval of the University System of Maryland Board of Regents. They may be changed, or other charges may be included, as a result of the Board of Regents decisions. Notwithstanding any other provision of this or any other university publication, the university reserves the right to make changes in tuition, fees and other charges at any time such changes are deemed necessary by the university and the USM Board of Regents.

    The Board of Regents has authorized the university to charge a student’s delinquent account for all collection costs incurred by the university. The normal collection fee is 17 percent plus attorney and/or court costs. The service charge for a dishonored check is $30. Requests for services (for example, transcripts, diplomas, registration) will be denied until all debts are paid.

    Please see the USM residency policy for specific details about residency requirements.

    Financial aid and tuition remission for University System of Maryland employees cannot be applied to noncredit courses. Golden ID benefits may not be applied to fees, noncredit courses, specialty graduate programs, or doctoral programs. Regular tuition rates apply for cooperative education, course challenge examinations, and EXCEL 301.

    GI Bill is a registered trademark of the U.S. Department of Veterans Affairs. More information about education benefits offered by VA is available on the U.S. government GI Bill website.

    The UCSP 615 requirement may be waived if you previously earned a graduate degree from a regionally accredited institution. For more information, contact your academic advisor.