贷款

关于 贷款

贷款资格

联邦直接贷款 are available to students regardless of income reported on the FAFSA. The actual loan amounts and types of loans (subsidized, unsubsidized or a combination of both) that you are eligible to receive each year are determined by Pacific.

The amounts are based on such factors as your 成本 of Attendance, Expected Family Contribution (EFC), other financial aid and current grade level at Pacific.

招生

Interest Rate Information for 贷款

We must review your financial aid eligibility whenever there is a change in your enrollment, such as a drop from full-time to part-time status. 援助 must also be reviewed if you withdraw or take a leave of absence.

Understanding the Difference Between Subsidized and Unsubsidized Student 贷款

补贴贷款

A type of loan for which the interest on the loan is paid by the government while the student is enrolled in school (in-school deferment) at least half-time.

未受资助的贷款

A type of loan for which the interest on the loan accrues while the student is enrolled in school.

偿还贷款

Federal student loans are required by law to provide a range of flexible repayment options, including income-based repayment plans and loan forgiveness benefits, which private student loans are not required to provide.

贷款的义务

You are obligated to repay the full amount regardless of whether you:

• Complete the program or finish within the regular time for completion.
• Are unable to obtain employment upon completion.
• Are dissatisfied with or believe you did not receive the education or other services you purchased.

Student Loan 行为准则

太平洋开发了一个 行为准则 in compliance with federal regulations. The Office of 金融援助 staff members comply with the 行为准则.

大学生贷款

联邦直接贷款

The Federal Direct Loan Program allows you to borrow directly from the federal government, 通过大学, 支付大学费用.

Please note that a government loan origination fee will be deducted from the total Direct Loan amount upon disbursement (payment to your student account).

本科 students must be enrolled in at least 6单元 to be considered for financial aid assistance.

For more information regarding your undergraduate loan options, please visit the 联邦学生资助 website.

Understanding Capitalized Interest

Capitalization is the addition of unpaid interest to the principal balance of a loan. View additional information about capitalized interest.

Federal Direct PLUS Loan (Parent Loan)

The Federal Direct PLUS Loan is an unsubsidized credit-based loan for the parents of dependent students. 就像助学贷款一样, a government loan origination fee will be deducted from the total Direct Loan amount upon disbursement (payment to your student account). For more information about the Federal Direct PLUS Loan, please visit the 联邦学生资助 website.

Interest Rates for Direct 贷款 First Disbursed on or After July 1, 2019, and before July 2020.

私人贷款

Private (alternative) lenders offer a variety of loans to assist students and families in meeting college costs. Before you consider a private educational loan (often called an “alternative” loan), we recommend you determine your eligibility for federal student loans, which generally have better terms.

Pacific recommends borrowers compare and re搜索 various private educational loan programs carefully before selecting a lender and to borrow as little as possible.

Just like any other student loan, borrowers should consider a number of factors before applying for a private educational loan:

• Private educational loans usually have higher interest rates and interest that accrues while the student is in school.
• Students (or co-borrower) must have a good credit history to obtain private educational loans.
• Students (or co-borrower) must be a U.S. citizen or permanent resident.
• Most lenders require that you be enrolled at least half-time in a degree-seeking program (depending on the lender). Pacific will certify your loan up to the cost of attendance less other aid.

There are several steps required by your lender during the application and certification process. 结果是, we recommend that you apply at least four weeks prior to the date you need the funds to pay your bill and comply quickly with information requests from your lender.