Educational loans must be paid back with interest, regardless of course completion. You do not have to pay back the loan until you complete your education or cease attending at least half time, 以先发生者为准.

Most educational loans offer more favorable terms than other consumer loans, such as car loans or credit cards. 然而, since all loans must be repaid, we encourage you to borrow no more than necessary, explore other options for financial aid, and earn as much as possible through employment.

贷款种类

联邦学生贷款: Borrowed funds that you must repay with interest. A federal student loan allows students and their parents to borrow money to help pay for college through loan programs supported by the federal government. They have low interest rates and offer flexible repayment terms, benefits, and options.

美国.S. Department of Education has federal student loan programs:

• 威廉D. 福特联邦 直接贷款 程序

私人学生贷款: Non-federal loan issued by a lender such as a bank or credit union. 查看其他贷款选项.