A variety of federal and private loan options exist to students who meet diverse qualifications including degree of study, past accomplishments, financial status and other such criteria.


The interest rate varies depending on the loan type and (for most types of federal student loans) the first disbursement date of the loan. 下表列出了直接补贴贷款的利率, Direct Unsubsidized Loans, 和直接加贷款首次支付在7月1日或之后, 2020, and before July 1, 2021.

Undergraduate Borrowers Graduate or Professional Borrowers  家长和研究生或专业学生
2.75%  4.30%  5.30% 
直接补贴贷款和直接非补贴贷款  Direct Unsubsidized Loans  Direct PLUS Loans 

下表列出了直接补贴贷款的利率, Direct Unsubsidized Loans, 和直接加贷款首次支付在7月1日或之后, 2021, and before July 1, 2022.

Undergraduate Borrowers

Graduate or Professional Borrowers






Direct Unsubsidized Loans

Direct PLUS Loans

All interest rates shown in the charts above are fixed rates that will not change for the life of the loan.

View the interest rates on federal student loans first disbursed before July 1, 2020.

How to Apply for Federal Direct Loans

To apply for a Federal Direct Loan, you must first complete and submit the 免费申请联邦学生资助(FAFSA)®) form. The information from your FAFSA form is used to determine how much student aid you are eligible to receive. If you are offered a new Federal Direct Loan(s) at any time you must accept this loan before the last day of the term and/or the last day of the last term you attended in the academic year. The Following must be completed before any funds are disbursed to your student account:

Please Note: Any time your Financial Aid changes, a revised notification is sent to your ERAU email. At such time, you should review your revised Financial Aid Offer by logging into ERNIE and view your Campus Solutions Student Homepage > Financial Aid.

150% Direct Subsidized Loan Limit:

As of July 1, 2013 - There is a limit on the maximum period of time (measured in academic years) that a First Time Borrower can receive Direct Subsidized Loans. In general, you may not receive Direct Subsidized Loans for more than 150% of the published length of your program of study. 这就是所谓的"最高资格期". Please review in more detail: Direct Subsidized Loan Limit.

Aggregate Federal Loan Limits:

The following chart shows the annual and aggregate limits for subsidized and unsubsidized loans.

Year 受供养学生(父母无法申请PLUS贷款的学生除外) Independent Students (and dependent undergraduate students whose parents are unable to obtain PLUS Loans)
本科第一年贷款限额 $5,500 -其中不超过$3,500的补贴贷款 $9,500 -其中不超过$3,500的补贴贷款
二年级本科生年度贷款限额 6,500美元-其中不超过4,500美元的补贴贷款 10500美元-其中补贴贷款不超过4500美元
三年级及以上本科生年度贷款限额 7500美元-其中补贴贷款不超过5500美元 $12,500 -其中不超过$5,500的补贴贷款
研究生或专业学生年度贷款限额 不适用(所有研究生和专业学生被认为是独立的) $20,500 (unsubsidized only)
补贴和非补贴综合贷款限额 31,000美元-不超过23,000美元的补贴贷款

$57,500 for undergraduates - No more than $23,000 of this amount may be in subsidized loans

$138,研究生或专业学生500美元——不超过65美元,其中500个可能是补贴贷款. The graduate aggregate limit includes all federal loans received for undergraduate study.

If the total loan amount you receive over the course of your education reaches the aggregate loan limit, 你没有资格获得额外贷款. However, if you repay some of your loans to bring your outstanding loan debt below the aggregate loan limit, you could then borrow again, 在总贷款限额下,你可申请的贷款上限为你余下的资格款额. For more information please visit http://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized.

下面的图表显示了直接补贴贷款的贷款费用, Direct Unsubsidized Loans, and Direct PLUS Loans fees.

Loan Type First Disbursement Date Loan Fee
直接补贴贷款和直接非补贴贷款 On or after 10/1/19 and before 10/1/20 1.059% 
  On or after 10/1/20 and before 10/1/22 1.057%
Direct PLUS Loans On or after 10/1/19 and before 10/1/20 4.236%
  On or after 10/1/20 and before 10/1/22 4.228%
Loans first disbursed prior to Oct. 1, 2019 have different loan fees. Go to Federal Loan Fees for more information.

As a transfer student, it is your responsibility to know your annual loan limits for Federal Direct Loans and have all pending disbursements cancelled at your previous school before transferring to ERAU. 这确保了更准确的奖励包.

在接受ERAU的联邦直接贷款之前,您需要 must inform the Office of Financial Aid of any disbursements you received at another school during the academic year. Due to the timing of loans, we may not be aware of the total loan amounts you may have received at your other school. Failure to notify our office of any loans you received at another school during the year can result in your existing loans being reduced and billed in order to keep within the annual loan limits. 这将导致(你)欠ERAU的余额.


  • Cancel any pending financial aid disbursements at your previous school before transferring
  • Inform us of any Financial Aid received at another Institution in the same Academic Year

Note: Your previous school may also contact us directly by looking up our contact info on the National Student Loan Data System (NSLDS).

Don’t over-borrow

Over-borrowing or going into EXCESS of your aggregate loan limits will prevent you from receiving any Federal Student Aid! 以重新获得经济援助资格, you must make satisfactory arrangements with your loan holder and turn in the appropriate documentation to our office. 可接受的文件可能包括但不限于:
-Payment confirmation from your loan servicer that you have paid the excess amount
-Loan Summary Sheet from Direct Loans confirming you have consolidated all loans that were in excess

审查您的贷款金额,并确定您的贷款持有人(贷款服务机构), 您必须访问国家学生贷款数据系统(NSLDS) www.nslds.ed.gov.

Resolving a Loan Overage

如果你收到的贷款超过了生命周期的总和, 你必须从下面列出的两个选项中选择,以解决过载问题:

  • Repayment of the excess loan amount by contacting the servicer of the loan indicated in NSLDS and following the servicer's instructions. Once the loan has been repaid, 你必须附上由还款人发出的还款确认书副本.
  • Request a reaffirmation of loan funds with the servicer of the loan indicated in NSLDS. Please contact the servicer and ask for a reaffirmation letter in the amount of your overage. 如阁下收到再次确认通知书,请电邮至 dbfinaid@lumifantasia.com. 提交时请确保包含您的学生ID号.

Federal student loans 可以帮助支付教育和生活费用吗, 但重要的是要记住,贷款必须偿还. Borrowers need to understand the responsibility that comes with  student loan debt because their borrowing decisions will impact their ability  to meet future financial obligations. The articles below can help borrowers  learn more about responsible borrowing and successful repayment.

Exit Loan Counseling

Review the Exit Loan Counseling Guide.

所有接受联邦斯塔福德贷款的学生必须参加 Exit Loan Counseling session prior to graduation, 从大学退学或注册低于半学期状态.

Repayment Guides and Information

民间教育贷款是由民间借贷机构提供的. 他们可以补充政府允许你在它的程序中借款的数额.

Things to look for in a private loan:

  • Eligibility requirements: 大多数私人贷款需要一个信用良好的申请人和/或共同签署人. 有一个共同签署人可以降低贷款的成本.
  • Interest rates: 大多数私人贷款的利率是可变的. 确定利率调整的频率和计算方法.
  • Fees: 许多私人贷款会从你的借款金额中扣除或增加费用. 查清楚他们什么时候收费,收费多少.
  • Annual Percentage Rate (APR): The APR is the annual cost of your loan, 包括利息以外的任何费用和收费的影响. Remember, a loan with fees and a lower base interest rate may be as good of a choice as a loan with no fees and a higher base interest rate. APR帮助显示所有费用是如何影响贷款成本的.
  • Repayment: 确定还款期限,包括每月还款和还款期. Some lenders offer rewards, such as interest rate reduction, 向按时还款或透过电子转帐方式还款的借款人发出.
  • Loan limits: 查看是否有年度或总限额. Try to pick a lender who has an aggregate limit that works best with your program of study. Some private loans have maximum limits, 而另一些则允许你借款到你上学的总费用.
  • 比较贷款机构,申请私人贷款.
  • Credit Checks: 借款人和共同签署人都必须通过信用检查. 申请一个合格的共同签署人可能会给你最好的比率. 私人贷款信用检查的有效期是有限制的. 详情请向你的贷款人查询.
  • 如果您有任何问题,请随时与澳门葡京网投网址联系.

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