美国.S. Department of Education offers subsidized and unsubsidized loans at low interest rates through the William D. Ford Federal Direct Loan Program.
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补贴 Direct Loan
The 补贴 Direct Loan is a need-based loan program. The federal government pays the interest on the loan while you are enrolled at least half-time. Here are some quick facts:
- Fixed interest rate of 5.50% for the 2023-24 academic year
- Origination fee of 1.057% for loans paid before October 1, 2023
- No interest accrual while enrolled at least half-time
- Six-month grace period
To be considered for this loan, you must submit a FAFSA and demonstrate federal financial need. Most Pitzer students who apply for financial aid will automatically be considered for this loan program. If you have questions about your subsidized loan eligibility, please contact our office.
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未受资助的 Direct Loan
The 未受资助的 Direct Loan is a non-need-based loan and is similar to the 补贴 Loan program, except that that interest accrual is immediate. Here are some quick facts:
- Fixed interest rate of 5.50% for the 2023-24 academic year
- Origination fee of 1.057% for loans paid before October 1, 2023
- Interest accrual is immediate (as soon as the loan is disbursed)
- Six-month grace period
To be considered for this loan, you must submit a FAFSA. Pitzer does not automatically include this loan when determining aid eligibility. Any student interested in borrowing unsubsidized loan funds, must request the loan by completing Section 3 of the Self-Help Agreement.
应用 for a Federal Direct Loan
Submit these documents to apply for a Direct Loan or have your existing Direct Loan disbursed (paid) to your Student Account.
After we receive all required documents, your loan funds will be disbursed in two equal installments, normally at the beginning of each semester. You must be enrolled at least half-time when the loan is disbursed to be eligible for these funds. You will receive an electronic confirmation once these funds have been paid to your Student Account.
贷款限制
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年度贷款限额
依赖学生
| 上学时 |
最高补贴
|
Maximum 未受资助的
(for students who are eligible for a subsidized loan) |
Maximum 未受资助的
(for students not eligible for a subsidized loan)
|
| 一年级 |
$3,500 |
$2,000 |
$5,500 |
| 二年级 |
$4,500 |
$2,000 |
$6,500 |
| 三年级 |
$5,500 |
$2,000 |
$7,500 |
| 大四+ |
$5,500 |
$2,000 |
$7,500 |
Independent Students & 依赖学生 whose parents are ineligible for a PLUS Loan
| 上学时 |
最高补贴
|
Maximum 未受资助的
(for students who are eligible for a subsidized loan) |
Maximum 未受资助的
(for students not eligible for a subsidized loan) |
| 一年级 |
$3,500 |
$6,000 |
$9,500 |
| 二年级 |
$4,500 |
$6,000 |
$10,500 |
| 三年级 |
$5,500 |
$7,000 |
$12,500 |
| 大四+ |
$5,500 |
$7,000 |
$12,500 |
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Aggregate (life-time) 贷款限制
|
补贴 |
未受资助的 |
总计 |
| 依赖学生 |
$23,000 |
$8,000 |
$31,000 |
| 依赖学生 whose parents are ineligible for a PLUS Loan |
$23,000 |
$34,500 |
$57,500 |
| Independent Students |
$23,000 |
$34,500 |
$57,500 |
还款方式
Repayment on Federal Direct 贷款 begins six months after you graduate from Pitzer or cease to be enrolled at least half-time. 一般, you have 10 to 25 years to repay your loans, depending on the repayment plan that you choose. The federal government offers several repayment plans. For more information on these repayment plans, visit on the Federal Student 援助 网站.
