应用ing for 贷款 & 奖学金

奖学金

每年, 学院和哈德逊山谷社区学院基金会很自豪地提供100多个基于经济需要的奖学金以及基于成绩的奖学金. 也有外部奖学金的机会，你可能有资格.

Explore Scholarship Opportunities

贷款

教育贷款为学生提供了一种借钱来支付大学学费的方式. The following loan programs are available:

• Federal Direct 学生 Loan
  在申请联邦直接学生贷款之前，请确保您已收到财务援助奖励电子邮件通知.
• 联邦直接PLUS贷款(本科生家长负担)
• 选择贷款

Inceptia

We want to make sure you succeed! 哈德逊山谷与Inceptia合作，在整个大学旅程中为您提供免费帮助.

As a nonprofit dedicated to student success, Inceptia may reach out to help you through verification, advise you on Federal student loan borrowing and repayment, guide you on financial aid processes, and make sure you meet important deadlines. 他们甚至可能只是查看你的大学计划，为你提供帮助、工具和资源.

For more information on Inceptia, visit www.inceptia.org/student-landing/.

Federal Direct 学生 Loan

Subsidized Limits for New Borrowers
Attention New 学生 Loan Borrowers: 任何新借款人都可能丧失获得额外直接资助贷款的资格，并可能失去其先前借入的直接资助贷款的补贴. 当借款人获得补贴贷款的时间超过其公布的教育课程长度的150%时，就会发生这种情况. Details of Subsidized Limits for New Borrowers (PDF)

Detailed information is available in the [Loading 金融援助 link…] section of the 大学目录.

所有提交了FAFSA(免费申请联邦学生援助)的学生都有资格获得联邦直接学生贷款。. 学生通过《正规博彩平台》杂志查看他们的资格并接受他们希望借的贷款资金.

学生 borrowing requirements:

• 注册并保持至少一半的注册时间(6个学位适用学分或更多).
• Complete online Entrance 咨询 at http://studentaid.gov/entrance-counseling/ in order to borrow federal loans.
• Complete an online Master Promissory Note (MPN) at http://studentaid.gov/mpn/. 
• Complete online Exit 咨询 at http://studentaid.gov/exit-counseling/ upon graduation or separation from the college.

Resources for Entrance 咨询

• Entrance 咨询 Letter from HVCC 金融援助 Office (PDF)
• Federal 学生 援助 Ombudsman Information (PDF)

Resources for Exit 咨询 Information

• Exit 咨询 Letter from HVCC 金融援助 Office (PDF)
• Federal 学生 援助 Ombudsman Information (PDF)

联邦直接PLUS贷款(本科生家长贷款)

受抚养本科生的父母有资格申请这项联邦贷款.

学生必须有联邦学生援助免费申请(FAFSA)存档, 取得令人满意的学业进步，至少修满六(6)个学位学分. Approval of this loan is based on the parent's credit history.

学生应该在提交联邦直接贷款申请之前收到他们的经济援助奖励电子邮件通知.

请参阅联邦直接PLUS贷款申请(可在 金融援助 Forms page) for more information and application procedures. Detailed information regarding these loans can be found at http://studentaid.gov/plus-app/parent/landing. 

选择贷款

替代贷款是从银行获得的用于教育费用的个人贷款. Most alternative loans are deferrable until you graduate; however some may require you to pay interest while you are attending school.

作为支付大学学费的额外手段，还有其他贷款. 这些贷款通常被用作学生现有经济援助计划的补充. 一些替代贷款可以用来支付长达一年的前期余额. 学业进展不理想的学生也可以申请某些替代贷款来帮助他们支付教育费用，直到他们恢复良好的学业进展并再次获得联邦财政援助.

了解基本知识

在你承担教育贷款带来的责任之前，充分了解情况对你有好处. You should first apply for all other forms of financial aid, 包括赠款, 奖学金, employer tuition payments, Direct 工作人员ord 贷款, 等. before applying for an alternative loan.

Get All the Facts

Educate yourself before you borrow. Before taking out your alternative loan, 清楚地了解您的贷款类型及其特点, 例如:

• What is the interest rate? Most loans come with a variable rate. Estimate your total indebtedness.
• What fees will be charged? 大多数(不是所有)贷款都有从你所借的本金中扣除的发起费用. 在某些情况下，发起费可能会添加到您所借的本金中.
• Will I have to make payments while in school? Repayment may vary with loan type.
• 谁有资格? 每个项目可能有自己的标准来确定贷款资格. 信誉和有信誉的委托通常是最重要的. 你在贷款期间的学分数量也会被考虑在内.
• How much may I borrow? 每个贷方在每个贷款期间都有不同的最低和最高贷款金额以及累积借款限额.
• What is the cosigner’s responsibility? 主借款人不偿还贷款的，委托人负责全额偿还.

Check Out Your Repayment Options Before Borrowing

Repayment may seem a long way off, 但现在仔细选择你的替代贷款可能意味着以后的贷款成本更低，更易于管理. 一些贷方的贷款在全额支付后立即进入还款. 一些贷款机构提供电子支付并提供奖励的项目, such as lower interest rates, to those who consistently pay on time. 了解你的选择将帮助你决定你可以借多少钱.

Before You Sign Anything

Keep in mind that these are loans, NOT grants. 当您输入还款时，您将被要求按月付款. 确保不要让自己陷入无法处理的境地.

Important Application Process Information

根据2008年高等教育机会法案(HEOA)和贷款真相法案(TILA), all private education lenders must obtain a completed and signed Self-Certification Form (PDF) from the applicant prior to processing a private education loan.

学生可以在表格中找到完成2-A部分所需的出勤费用信息 [Loading 金融援助 link…] section of the 大学目录.

马斯特兰奇洛金融援助中心将在学生提交给贷款人之前协助学生完成表格. Once the form is completed, 学生应直接与贷款机构商讨私教贷款申请情况.

• FASTChoice
  搜索ing for a private lender is easy. FASTChoice以易于理解的格式为您提供信息，以帮助您确定哪种私人学生贷款最符合您的需求.