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贷款及资助

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贷款

  • Almost every student can qualify for some type of student loan. 贷款必须偿还. 
  • All loan requests must be received at least 15 days before your last day of attendance. 贷款按期限发放.
  • You must be enrolled for six credits or more per semester to receive a loan.
  • 你必须填写一份 FAFSA 申请贷款. 

Federal Direct Subsidized/Unsubsidized 贷款

Eligibility is based on financial need. A freshman may borrow up to $3,500 depending upon eligibility. The maximum loan amount for a sophomore in the second year of a two-year program is $4,500. This loan has a fixed interest rate. 

补贴贷款

The federal government pays interest while the student is in school. Interest and loan repayment begin six months 后 leaving school or dropping below half-time enrollment.

未受资助的贷款

Similar to the subsidized loan, but the student is charged interest while in college. The borrower can accrue and capitalize the interest, which will increase the amount borrowed. Repayment of interest begins during school enrollment unless deferred. Students who do not qualify for a subsidized loan will likely qualify for an unsubsidized loan.

Federal Direct Parent Loan for Undergraduate Students (PLUS)

如果你是一个独立的学生, your parents may borrow up to the cost of education minus any financial aid received by the student. Repayment begins immediately with the first payment due 30-60 days 后 the loan is disbursed. This loan has a fixed interest rate. Credit-worthiness of the parent/stepparent 是必需的. 有关申请，请浏览 形式.

Student Educational Loan Fund (SELF)

Minnesota residents and non-residents are eligible to borrow. The lender is the Minnesota Office of Higher Education. A credit-worthy co-signer 是必需的. You must be enrolled for six credits or more per semester to receive this loan and must pay the interest every three months from the time of disbursement. Freshman limit is $10,000, and sophomore limit is $10,000.

Dakota Education Alternative Loan (DEAL)

North Dakota residents are eligible to borrow through the Bank of North Dakota. A credit-worthy co-signer 是必需的 for borrowers under age 24. 您必须是当前注册的学生. The maximum amount you can borrow is equal to the cost of attendance at M州 minus all other financial aid received for the loan period. 访问 DEAL学生贷款 了解更多信息.

学生贷款营销协会(Sallie Mae) Smart Option Student Loan

Offers undergraduate student loans. A credit-worthy cosigner may be required. 看到 学生贷款营销协会(Sallie Mae) 有关详细信息,.

申请贷款

The first step in determining eligibility for any type of financial aid is to complete the FAFSA and submit all required documents to the M国家财政援助办公室.

To begin the loan 应用程序 process, you'll need to log in to your SpartanNet 帐户，点击 eServices 然后点击 贷款 在财政援助下. Complete the following steps in order for loan funds to be applied to your student account:

  1. Complete the pre-requirements for Entrance Counseling and the master promissory note. M州 will be notified electronically as these steps are successfully completed. (All students must complete these steps at EACH college they attend.)
  2. Request the amount you would like to borrow. 登录你的 SpartanNet 帐户，点击 eServices 然后点击 贷款 在财政援助下.

为 help completing your master promissory note, contact Direct Loan Applicant Services at 800.557.7394.

贷款的发放

Direct student loans are applied to the accounts of first-time borrowers 后 学期的第30天. Students borrowing for one semester only will have half of their loan funds applied to their bill either by the 10th day of the semester or 后 the 30th day (if they are a first-time borrower). The second half of the loan will arrive at midterm.

Funding for all other borrowers will apply to their accounts on the 10th business day of the semester.  另类贷款和私人贷款 需要一个月的时间处理. Financial aid dates and deadlines are available at 重要的日子.

奖助金

奖助金 do not need to be paid back.

Alliss两年机会补助金

Available if you have a financial need and are enrolled in AA, AS, 原子吸收光谱法, 阿发, 文凭, certificate and Minnesota Transfer Curriculum courses designed to transfer to baccalaureate programs. 当你注册时, you are automatically considered for the Allis Grant as part of the financial aid process. If you have already earned a bachelor's degree, you are not eligible.

联邦佩尔助学金

This amount is determined by the Department of Education as part of your FAFSA, 是自动授予的.

Federal Supplemental Education Opportunity Grant (SEOG)

Available if you have great financial need and are registered for six or more applicable credits. Funds are limited, and early applicants receive priority.

明尼苏达州补助金

This amount is determined by the Minnesota Office of Higher Education as part of your FAFSA 是自动授予的.

专上托儿津贴

This is a State of Minnesota program. If you are a Minnesota resident and will not receive TANF/MFIP benefits while attending college, you may be eligible for benefits to offset your costs of childcare. An 应用程序 是必需的. Student loses eligibility 后 four years of full-time enrollment. Funds are limited, and early applicants receive priority. 访问 专上托儿津贴 Program 了解更多.