Student loans are an investment in your future.
你必须偿还贷款，所以一定要了解你的选择和责任.
如果你申请经济援助，你可能会被提供贷款作为ODU的一部分 financial aid offer. A loan is money you borrow and must pay back with interest.
If you decide to take out a loan, 确保你了解谁在贷款，以及贷款的条款和条件. Student loans can come from the federal government, from private sources such as a bank or financial institution, or from other organizations. Loans made by the federal government, called federal student loans, 通常比银行或其他私人来源的贷款有更多的好处. Learn more about the differences between federal and private student loans.
Will you need a loan? If so, think Federal aid first! 与银行或其他私人来源的贷款相比，联邦贷款通常为借款人提供更低的利率和更灵活的还款选择.
The U.S. Department of Education's federal student loan program is the William D. Ford Federal Direct Loan (Direct Loan) Program. Under this program, the U.S. Department of Education is your lender. There are four types of Direct Loans available:
- Direct Subsidized Loans 贷款是否提供给符合条件的本科学生 financial need 帮助支付在大学或职业学校接受高等教育的费用.
- Direct Unsubsidized Loans are loans made to eligible undergraduate, graduate, and professional students, but eligibility is not based on financial need.
- Direct PLUS Loans 贷款是否提供给研究生或专业学生和受抚养本科生的父母，以帮助支付其他经济援助未涵盖的教育费用. 资格不是基于经济需要，而是需要信用检查. Borrowers who have an adverse credit history must meet additional requirements to qualify.
How to apply:- Complete the Direct PLUS Loan Application to initiate the credit check.
- Undergraduate Students: Complete the PLUS Data Sheet.
- Graduate or Professional Students: Complete the Graduate PLUS Data Sheet.
- Direct Consolidation Loans 允许您将所有符合条件的联邦学生贷款与单个贷款服务合并为单个贷款.
You will not need to sign a loan check. 在支付了机构费用后，你的账户上还有剩余的款项, will be mailed directly to your address of record.
你批准的贷款收益的一半将被记入每学期. 请在您将完整的本票提交给经济援助办公室之日起至少十(10)个工作日内将您的学生帐户记入贷方. Also, 请注意，联邦法规禁止在课程开始前十(10)天内提供信贷援助. 记住，向经济援助办公室提供所需文件的责任在于你. 如果您及时关注来自财务援助办公室的所有请求，将大大加快将贷款收益记入您的帐户的过程.
- File the FAFSA early. Application available October 1.
- Await your initial financial aid email notification, then accept the aid you desire.
- Respond to all requests for documents immediately.
- 必须至少有一半的时间参加学位或证书课程.
- Once your financial aid records have been cleared, your account will be ready for "loan certification.“请注意，在我们办公室收到所需的所有文件并更新和审查您的帐户之前，您的贷款无法进行认证.
- 当本票准备好供您填写和签署时，您将收到明信片通知. 你可按下列方式在网上填写电子本票:
- Access the Direct Loan website to complete the Master Promissory Note. 主本票(MPN)是一种法律文件，你承诺偿还贷款和任何应计利息和费用给美国.S. Department of Education. It also explains the terms and conditions of your loan(s). 您必须拥有教育部FSA ID才能完成电子主本票.
- 如果您没有FSA ID，您可以通过访问 Federal Student Aid FSA ID Website.
- First-time borrowers must complete Entrance Counseling. 本课程旨在确保您了解贷款的所有条款和条件, and your rights and responsibilities as a borrower. 有关联邦直接PLUS或G-PLUS贷款的信息，请 contact your financial aid counselor if you have any further questions.
Interest Rates (Effective July 1, 2021-June 30, 2022)
- Undergraduate Direct Loans
- Subsidized 3.73%
- Unsubsidized 3.73%
- Graduate Unsubsidized Direct Loan: 5.28%
- Graduate PLUS Direct Loan: 6.28%
- PLUS Direct Loan: 6.28%
预付发起费(2021年10月1日- 2022年9月30日生效)
- Undergraduate Direct Loans: 1.057%
- Graduate Unsubsidized Direct Loan: 1.057%
- Graduate PLUS Direct Loan: 4.228%
- PLUS Direct Loan: 4.228%
私人贷款是非联邦贷款，由银行、信用合作社、国家机构等贷款人发放. etc. 当学生还在上学的时候，这笔钱必须连本带利地偿还.
设立私人贷款机构是为了提高效率, 电子处理和支付资金直接到您的学生帐户. We provide this list as a guide to you; however, you are free to choose another lender without penalty. (ODU不歧视贷款人，只要学生符合贷款人的资格要求，就会证明任何私人贷款人的贷款.)
Old Dominion University的历史列表包含过去3年使用过的私人贷款机构.
Before you apply for a Private Loan, 你应该用尽你获得联邦贷款的资格(斯塔福德), PLUS, 和Grad PLUS)，因为它们通常更便宜，并提供灵活的还款选择.
所附名单上的贷款机构是为了提高效率而设立的, 电子处理和支付资金直接到您的学生帐户. We provide this list as a guide to you; however, you are free to choose another lender without penalty.
如符合下列所有条件，便可完成私人贷款认证.
- The student is degree seeking
- The student is enrolled at least half-time
- 该贷款仅适用于当前学期/贷款期间，或仅用于支付上一学期的过期余额
- 贷款分为秋季学期和春季学期
- 学生达到由财政援助办公室确定的满意的学业进步(SAP)
Private Loan processing time is 4 - 6 weeks
自信地处理助学贷款的偿还过程:付款, change repayment plans, explore options, and get help.
Will you need a loan? If so, think Federal aid first! 与银行或其他私人来源的贷款相比，联邦贷款通常为借款人提供更低的利率和更灵活的还款选择.
The U.S. Department of Education's federal student loan program is the William D. Ford Federal Direct Loan (Direct Loan) Program. Under this program, the U.S. Department of Education is your lender. There are four types of Direct Loans available:
- Direct Subsidized Loans 贷款是否提供给符合条件的本科学生 financial need 帮助支付在大学或职业学校接受高等教育的费用.
- Direct Unsubsidized Loans are loans made to eligible undergraduate, graduate, and professional students, but eligibility is not based on financial need.
- Direct PLUS Loans 贷款是否提供给研究生或专业学生和受抚养本科生的父母，以帮助支付其他经济援助未涵盖的教育费用. 资格不是基于经济需要，而是需要信用检查. Borrowers who have an adverse credit history must meet additional requirements to qualify.
How to apply:- Complete the Direct PLUS Loan Application to initiate the credit check.
- Undergraduate Students: Complete the PLUS Data Sheet.
- Graduate or Professional Students: Complete the Graduate PLUS Data Sheet.
- Direct Consolidation Loans 允许您将所有符合条件的联邦学生贷款与单个贷款服务合并为单个贷款.
You will not need to sign a loan check. 在支付了机构费用后，你的账户上还有剩余的款项, will be mailed directly to your address of record.
你批准的贷款收益的一半将被记入每学期. 请在您将完整的本票提交给经济援助办公室之日起至少十(10)个工作日内将您的学生帐户记入贷方. Also, 请注意，联邦法规禁止在课程开始前十(10)天内提供信贷援助. 记住，向经济援助办公室提供所需文件的责任在于你. 如果您及时关注来自财务援助办公室的所有请求，将大大加快将贷款收益记入您的帐户的过程.
- File the FAFSA early. Application available October 1.
- Await your initial financial aid email notification, then accept the aid you desire.
- Respond to all requests for documents immediately.
- 必须至少有一半的时间参加学位或证书课程.
- Once your financial aid records have been cleared, your account will be ready for "loan certification.“请注意，在我们办公室收到所需的所有文件并更新和审查您的帐户之前，您的贷款无法进行认证.
- 当本票准备好供您填写和签署时，您将收到明信片通知. 你可按下列方式在网上填写电子本票:
- Access the Direct Loan website to complete the Master Promissory Note. 主本票(MPN)是一种法律文件，你承诺偿还贷款和任何应计利息和费用给美国.S. Department of Education. It also explains the terms and conditions of your loan(s). 您必须拥有教育部FSA ID才能完成电子主本票.
- 如果您没有FSA ID，您可以通过访问 Federal Student Aid FSA ID Website.
- First-time borrowers must complete Entrance Counseling. 本课程旨在确保您了解贷款的所有条款和条件, and your rights and responsibilities as a borrower. 有关联邦直接PLUS或G-PLUS贷款的信息，请 contact your financial aid counselor if you have any further questions.
Interest Rates (Effective July 1, 2021-June 30, 2022)
- Undergraduate Direct Loans
- Subsidized 3.73%
- Unsubsidized 3.73%
- Graduate Unsubsidized Direct Loan: 5.28%
- Graduate PLUS Direct Loan: 6.28%
- PLUS Direct Loan: 6.28%
预付发起费(2021年10月1日- 2022年9月30日生效)
- Undergraduate Direct Loans: 1.057%
- Graduate Unsubsidized Direct Loan: 1.057%
- Graduate PLUS Direct Loan: 4.228%
- PLUS Direct Loan: 4.228%
私人贷款是非联邦贷款，由银行、信用合作社、国家机构等贷款人发放. etc. 当学生还在上学的时候，这笔钱必须连本带利地偿还.
设立私人贷款机构是为了提高效率, 电子处理和支付资金直接到您的学生帐户. We provide this list as a guide to you; however, you are free to choose another lender without penalty. (ODU不歧视贷款人，只要学生符合贷款人的资格要求，就会证明任何私人贷款人的贷款.)
Old Dominion University的历史列表包含过去3年使用过的私人贷款机构.
Before you apply for a Private Loan, 你应该用尽你获得联邦贷款的资格(斯塔福德), PLUS, 和Grad PLUS)，因为它们通常更便宜，并提供灵活的还款选择.
所附名单上的贷款机构是为了提高效率而设立的, 电子处理和支付资金直接到您的学生帐户. We provide this list as a guide to you; however, you are free to choose another lender without penalty.
如符合下列所有条件，便可完成私人贷款认证.
- The student is degree seeking
- The student is enrolled at least half-time
- 该贷款仅适用于当前学期/贷款期间，或仅用于支付上一学期的过期余额
- 贷款分为秋季学期和春季学期
- 学生达到由财政援助办公室确定的满意的学业进步(SAP)
Private Loan processing time is 4 - 6 weeks
自信地处理助学贷款的偿还过程:付款, change repayment plans, explore options, and get help.