贷款

贷款 are funds that must be repaid. Students should only borrow the amount that is 绝对必要的. 

It is a good idea to project what your total borrowing needs will be throughout your college career, and to be aware of what the necessary payments will be upon earning 一个学位.

The amount of the loan is determined by:

  1. 出勤费用
  2. 贷款资格
  3. 在校时间
  4. Other aid already awarded 
Thumbnail of A Minute to Learn It - Borrowing Student 贷款

贷款种类

There are many types of loans available for students at San Jose State University, 包括: 

大学生贷款

Graduate/Parent/Professional 贷款

其他贷款

  • 选择贷款 (私人银行)

  • Short-Term 贷款: Short-Term (Emergency) loans are available through the Bursar's 办公室. To be eligible you must have no outstanding debts to the university and must have sufficient financial aid or be gainfully employed. 联系 财务主管的办公室 了解更多信息.

贷款信息

Steps to Accepting 贷款

  1. Students accept loans in their My菠菜网lol正规平台 - Instructions to Accepting  a Federal Direct 工作人员ord Loan. [pdf]
  2. First time student loan borrowers at 菠菜网lol正规平台, must complete the on-line 入学贷款 Counseling session prior to receiving their first loan disbursement. 入学贷款 Counseling is an online session which addresses interest rates, deferments, and how 为了避免违约. There are no exceptions to this federal requirement. 一定要确保，先生 José State is selected as your school when completing 入学贷款 Counseling.
  3. Students must eSign the Master Promissory Note prior to receiving a loan disbursement (must be signed every 10 years).  The MPN is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the Department of 教育. 

最后期限

  • Fall 2024/Spring 2025 deadlines to accept loans:
    • December 6, 2024 for students attending Fall 2024 only
    • April 25, 2025 for Academic Year loan(s), or Spring 2025 only
    •  
  • Fall 2023/Spring 2024 deadlines to accept loans:December 6, 2023 for students attending 仅2023年秋季
    April 26, 2024 for Academic Year loan(s), or Spring 2024 only

一般信息

  • Most loans are available for fall and spring semesters. 
  • Summer loans are evaluated on a case-by-case basis. Students must be enrolled at least 半场结束晋级. 参观 暑期助学金 网页 了解更多信息.

  • Students must maintain updated information with the U.S. Department of 教育 Direct 贷款服务中心. Report the following changes, if any:

    • Name, address or ph一个 number change
    • Transferring to another school
    • Leave of absence, withdrawal from school, or dropping below half-time enrollment
    • 新毕业日期

退出贷款咨询

As a recipient of funds from the Federal Direct 工作人员ord Loan Program, students are required to complete an exit loan counseling session within sixty (60) days of your last date of attendance at 菠菜网lol正规平台.

This counseling session covers the following federal student loan types:

  • 威廉D. Ford Federal Direct Loan Program (DL)
    • 直接资助贷款
    • Direct Unsubsidized 贷款
    • 直接毕业加分贷款

去 StudentAid.政府 to complete online exit loan counseling.

Federal student loan debt relief

The Biden administration has announced many new debt relief options. 

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贷款整合

Loan consolidation allows you to refinance any or all eligible outstanding federal student loans and create a single new loan with 一个 monthly payment. 新贷款 will have a fixed interest rate, new terms, and may have an extended repayment period 长达30年.

For more detailed information, go to the 贷款整合 网页.

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