家长附加贷款

Government-insured, credit-based loan program for parents of dependent undergraduate student.

At CSUF, Credential students are consider an undergraduate -- as long as the credential student is a dependent of his/her parents; the parent can apply for a parent plus loan for the credential dependent student.

Approval for the PLUS loan is based on the credit-worthiness of the borrower. 如果被拒绝贷款，联邦学生援助   PLUS贷款信息在新窗口中打开   页面详细介绍了获得PLUS贷款的可用选项.

在所有期间都要收取利息. Generally, PLUS Loan enters repayment 60 days after the loan has been fully disbursed. Various options are available to postpone payment; refer to Federal Student Aid's   直接PLUS贷款资料在新窗口中打开   详情请参阅网页.

Note: The student must be enrolled at least half time and be eligible for federal student aid.

资格要求

  1. 学生必须填写并提交FAFSA申请.
  2. Student must submit all required documents on the form to the 财政援助办公室.
  3. You must be enrolled or accepted for enrollment in a degree, certificate or professional program.
  4. Your enrollment status must be at least half-time, (the equivalent of 6 units).
  5. Must be a citizen or eligible non-citizen (permanent resident) of the United States.
  6. 必须是受抚养本科生的父母.

家长PLUS一般信息

  1. 是否适用于受抚养本科生的家长.
  2. 除了家长借款人通过基本的信用检查, the student must meet the general eligibility requirements for federal student aid.
  3. Any amount in excess of university charges through the Parent PLUS Loan will be issued as a refund to the parent.
  4. Dependent undergraduate students: if your parent is unable to secure a PLUS loan, you may be eligible for additional Unsubsidized loans to help pay for your education.
  5. Disbursement requires the student be enrolled in half-time, (the equivalent of 6 units)

利率及贷款费用

Interest rates are adjusted by Congress annually, with a new rate taking effect each July 1st. 虽然新贷款的利率可能会在每年的7月1日发生变化, 收到的利率将在贷款期限内固定.

除了利率, PLUS贷款收取发起费, which is deducted from your loan funds at the time of disbursement.

请查看 学生资助网站在新窗口中打开 本年度及过去年度的利率及贷款费用.

我能借多少钱

The maximum PLUS loan amount you can borrow is up to the cost of attendance minus any other financial aid awarded to the student.

如何申请|第一部分-学生

  1. 申请FAFSA在新窗口中打开
  2. Submit all required documentation to the 财政援助办公室
  3. Review your Financial Aid summary in your Titan Online Student Center.
    • If your total aid is less than the estimated financial aid and budget, 你可以在PLUS贷款中申请差额.

如何申请|第二部分-家长

  1. Log onto Studentaid.gov在新窗口中打开 | The parent must log in using their FSA ID and Password Credential
  2. Complete the Parent PLUS Loan application, which includes a credit check
  3. 在线填写主本票(MPN). |使用您的(家长)证书签名
  4. PLUS贷款咨询
    • Must be completed by parent with an adverse credit decision who will appeal the credit decision or pursue an endorser for credit approval of the Parent PLUS Loan
  5. Complete CSUF PLUS Application with all attachment and submit it to the 财政援助办公室

家长PLUS贷款被拒绝

您仍然可以通过以下两种选择之一获得PLUS贷款:

  1. Obtaining an endorser who does not have an adverse credit history. 如果您是家长借款人, the endorser cannot be the student the parent borrower is borrowing for. 您的父母可以与共同签署人(背书人)重新申请。.
  2. 向美国政府提供文件.S. Department of Education's satisfaction extenuating circumstance relation to your adverse credit history.

一旦你完成了上面的任何一个选项, you also must complete the credit counseling for the PLUS Loan borrowers at the Studentaid.gov在新窗口中打开 website.

如果家长借款人无法获得PLUS贷款, the undergraduate dependent student may be eligible for additional Unsubsidized loans to help pay for their education. The dependent student would need to provide the CSUF PLUS Application and the denial letter from the Department of Education. The additional Unsubsidized loan would be offered on the Student Center after processing.

PLUS贷款资金如何发放?

PLUS loan funds are sent via to the University for application to the student's campus account. Accepted loan funds are divided so half the funding is provided for the Fall semester and the other half is provided for the Spring semester. 

一旦资金被送到大学, the 财政援助办公室 will again verify the student's eligibility for payment. Then the funds are applied to the student's remaining campus balances, 这包括校园学费和杂费, 以及CSUF校园住宿费.

一旦学生的账户被全额支付, Student Business Services (SBS) will mail a check for the remainder of the funds to the parent borrower. If the student owes money to the University there will be a temporary hold placed on the disbursement until the balance on the student's account is paid in full.

Repayment

When you receive your Direct PLUS Loan, you will be contacted by your loan provider. Your loan servicer will provide regular updates on the status of your Direct PLUS Loan and will provide you with information on how and when to repay your loan. You’ll make payments to your loan servicer using one of several repayment plans available to PLUS loan borrowers. 

你可以了解更多 还款选项在此在新窗口中打开 .

联邦贷款服务商

您可以通过登录到 联邦学生援助网站在新窗口中打开 用你的联邦身份证和密码. 如果你忘记了你的ID或密码, 你可以在网站上注明, and you will be directed to enter your email to re-set and gain access to your information. If you have any general questions, please feel free to contact the 财政援助办公室在新窗口中打开 .