受抚养学生的父母可以申请联邦直接PLUS贷款,帮助支付孩子的教育费用,只要符合某些资格要求. To be eligible for a Direct PLUS Loan for Parents:
- 家长借款人必须是学生的亲生父母或养父母. In some cases, the student's stepparent may be eligible.
- 该学生必须是在参与直接贷款计划的学校注册至少一半时间的受抚养学生. Generally, 如果学生年龄在24岁以下,则被视为受抚养人, has no dependents, and is not married.
- 父借款人不得有不良信用记录(将进行信用检查). If the parent does not pass the credit check, 如果有人(例如能够通过信用检查的亲戚或朋友)同意为贷款背书,父母仍可能获得贷款. The endorser promises to repay the loan if the parent fails to do so. 如果父母能证明有情有可原的情况,他或她也可以获得贷款.
The student and parent must be U.S. citizens or eligible noncitizens, 不能拖欠任何联邦教育贷款或拖欠联邦教育补助金, 并且必须满足联邦学生援助计划的其他一般资格要求. 有关资格要求的更多信息,请访问联邦
student aid eligibility page.
For a Direct PLUS Loan, 家长必须填写直接贷款申请及主本票(MPN). MPN是一份法律文件,借款者承诺向本署偿还贷款及任何应计利息及费用. It also explains the terms and conditions of the loan. In most cases, 一个MPN可以用于家长在多个学年收到的贷款,尽管每个学年必须提交单独的贷款请求. If the parent previously signed an MPN to receive an FFEL PLUS loan, he or she will need to sign a new MPN for a Direct PLUS Loan.
Complete the PLUS application and MPN online at
www.studentaid.gov
PLUS贷款的年度限额等于学生的出勤费减去学生收到的任何其他经济援助.
For example, if the cost of attendance is $6,000 and the student receives $4,000 in other financial aid, the student's parent can request up to $2,000.
还款计划-直接PLUS贷款计划为家长提供三种标准还款计划, extended, 以及毕业生贷款——这些贷款是为满足个人借款人的不同需求而设计的. The terms differ between the repayment programs, but generally, borrowers will have 10 to 25 years to repay a loan. To read more about repayment plans, go to Repayment Information.