UHCL学生贷款

University of Houston-Clear Lake wants to help you secure any 贷款 you feel is necessary 继续你的大学教育. A college 贷款 is like any other type of 贷款 in 现实世界:

• You borrow a specific amount of money (from the federal government, bank, private 个人等.); and
• You negotiate the terms under which you repay the 贷款 (amount of interest, minimum 付款金额、还款期限等.).

Before you start applying for 贷款s, you should investigate the different types of 大多数大学生可获得的贷款:

• 替代
• 整合
• 珀金斯
• 欧洲杯竞猜网站加分
• 本科生加分
• 斯塔福德

贷款资格

For most federal 贷款s received through your Free Application for Federal Student Aid (FAFSA), you must meet the following eligibility requirements:

• U.S. 公民或永久居民
• An undergraduate or graduate student enrolled at least half time
• 完成FAFSA
• 保持令人满意的学业进步
• You don't exceed annual or lifetime total 贷款 limits
• 不需要信用检查

偿还条款

与 most federal 贷款s, you have a 6-month grace period before starting repayment. This grace period begins in one of three scenarios: after graduation from college, dropping below half-time, or leaving school for any other reason. 还款方式 vary, and under some circumstances, you may be eligible to postpone or temporarily 减少支付. 的 standard 贷款 repayment is a 10-year plan; though other repayment plans such as graduated or extended repayment plans may be available.

直接贷款流程的详细信息

Most federal 贷款s – and all 斯塔福德贷款s, the most common federal 贷款 – are Direct 贷款. 这意味着你要与UHCL和U合作.S. 确保教育部的安全 你的贷款. It's the simplest, most cost-effective and safest program available. 什么 这对你有什么意义吗?

• If you are at least half time at UHCL, you may qualify for a low-interest Federal 直接贷款. Federal Direct 贷款s are available for both undergraduate and graduate 学生. You can use the 贷款s to pay tuition and fees, as well as some other living expenses (such as room and board, books and transportation). 你可以收到联邦 Direct 贷款s as subsidized, unsubsidized, or as a combination of the two.
• Direct 贷款s can be subsidized – interest-free while you're in school – if you qualify. To qualify for a subsidized 贷款, complete the FAFSA形式. If your FAFSA results demonstrate financial need, you can qualify for a subsidized 贷款. 的 government will pay the interest on 你的贷款 while you are in school. 只有 undergraduates are eligible for subsidized 贷款s.
• Unsubsidized Direct 贷款s are also available with low interest rates and favorable 延期的选项. Although you are charged interest on an unsubsidized 贷款, you have the same low interest rate, deferment, and repayment options. 你可以省钱 by paying the interest on an unsubsidized 贷款 quarterly, rather than allowing it to add up until you enter the repayment period.
• When interest is due on unsubsidized 贷款s, you accrue interest on 你的贷款 from the time you receive 你的贷款 until you pay it in full. 你可以推迟支付利息 while you are in school and enrolled at least half time. 然而，如果你推迟， it is added to the original balance of the 贷款. 如果可以的话，在需要的时候支付利息 你收到你的季度利息报表.

其他大学贷款信息

的 Department of Education central database for student aid is the National Student 贷款数据系统(NSLDS). Schools and agencies that guarantee 贷款s, the Pell grant program, and other DOE programs report data here. 的 nsds学生访问网站 是一天24小时，一周7天. 你可以查询贷款或赠款 amounts, outstanding balances, 贷款 status and other disbursements. 使用NSLDS 网站，你需要你的 联邦学生援助身份证 (称为FSAID). This is the same FSAID used when filling out your FAFSA.

Federal 直接贷款 Interest Rates by Disbursement Dates

UHCL三年队列违约率

美国.S. Department of Education releases official cohort default rates once per year.  A cohort default rate is the percentage of a school's borrowers who enter repayment on 直接贷款 Program 贷款s during a federal fiscal year (October 1–September 30) and default or before the end of the second following fiscal year. 2019财年全国 队列违约率为2.3%. Please see UHCL's student 贷款 cohort default rate for the last three official calculations in the chart below. 

的 number of unique Federal Student Loan borrowers at UHCL in 2022 was 4,117.