学生贷款

The following types of loans are available to matriculated students. Students must apply for financial aid by filling out the FAFSA to receive these loans.

Federal Direct Loans

补贴贷款:

  • Need-based federal loan, for which the Federal government will pay the interest while students are enrolled. Students must be enrolled at least half-time in an undergraduate degree program to qualify for this loan.
  • Repayment of both principal and interest begins six months after a student graduates, 撤回, or drops below half-time enrollment.
  • The interest rate is fixed at 6.53% for undergraduate students during the 2024-2025 academic year.
  • Current subsidized loan limits are: $3,新生500元, $4,二年级学生500美元, 和5美元,500 for juniors and seniors.
  • This must be repaid.
  • More information about Direct loans can be found on the Federal Student 援助 网站.

未受资助的贷款:

  • Federal loan available to students regardless of calculated need. Students must be enrolled at least half-time in a degree program to qualify for this loan.
  • Interest begins to accrue immediately and accumulates during deferment periods. Paying toward interest while the student is enrolled is optional, but advised.
  • The interest rate is fixed at 6.53% for undergraduate students and 8.08% for graduate students during the 2024-2025 academic year.
  • Loan limits are combined with subsidized 工作人员ord to allow for a total limit of $5,新生500元, $6,二年级学生500美元, $7,500 for juniors and seniors, 和20美元,500 for graduate students.
  • This must be repaid.
  • More information about Direct loans can be found on the Federal Student 援助 网站.

访问 有用的视频 for information on these loans and how to complete Entrance Counseling and Master Promissory Note (MPN) for Federal Direct Subsidized and Unsubsidized Loans if you receive these loans.

The Massachusetts No Interest Loan (NIL)

The Massachusetts No Interest Loan (NIL) program was created to provide eligible, financially needy Massachusetts residents attending post-secondary educational institutions in Massachusetts with a state-funded loan. The NIL program offers zero-interest loans to assist students in meeting educational costs. Students have a period of ten (10) years to repay their NIL loans. Students must be full-time to qualify.

 

Massachusetts Board of Higher Education Code of Conduct - 学生贷款

目的:

The following Code of Conduct is proposed to govern the education lending practices of Massachusetts public colleges in an effort to help ensure integrity in all aspects of the student educational loan program. This policy formalizes long-standing code of conducts practiced by public institutions of higher education in their efforts to provide affordable access to higher education.

The primary goal of the institution and its financial aid staff is to help students achieve their educational potential by providing appropriate financial resources. 为此目的, this document provides institutions, specifically financial aid professionals, with a set of principles that serves as a common foundation for an acceptable standard of conduct.

Institutions and their Financial 援助 Professionals shall:

  1. Maintain the highest level of professionalism
  2. Commit to the highest level of ethical behavior and refrain from conflict of interest or the perception thereof
  3. Respect the dignity and protect the privacy of students, and ensure the confidentiality of student records and personal circumstances
  4. Provide information to families for lenders that have proven to provide the best combination of price, 获得资金, and service to students and families
  5. 进一步, institutions shall ensure that all officers, 受托人, 董事, employees or agents, and financial aid professionals adhere to the following:
  6.  
    • 可能不接受 gifts, 餐, 旅行, or any other non-trivial items from student loan providers in connection with the institution's loan business
    • 可能不接受, from a lending institution, 钱, 设备, or printing services or anything of value that may provide or suggest an advantage or grant a preferred status
    • If serving as a member of a lending institution's advisory board, may not accept anything of value in exchange for this service, such as "revenue sharing"