有资格获得基于需求的贷款是基于结果 免费申请联邦学生援助(FAFSA) and on receipt of other types of financial assistance, such as scholarships and grants.

联邦直接补贴贷款 联邦直接贷款由联邦政府补贴, which means the Federal Government pays the interest while the student is in school. 学生需要完成 免费申请联邦学生资助 才有资格参加这个项目. The Federal Direct Loan is awarded based upon the financial need of the student. 该计划没有优先截止日期. Students need to enroll at least half-time to be eligible for this program.

联邦直接无补贴贷款 | The 联邦直接无补贴贷款 is not subsidized by the federal government. Therefore, the student is responsible for paying interest on the loan while they are in school. If you choose not to pay the interest while you are in school and during grace 期 and deferment or 忍耐 期, 你的利息会累积起来，然后资本化, 你的利息将被加到你的贷款本金中。. 学生需要完成 免费申请联邦学生资助 才有资格参加这个项目. 该计划没有优先资助截止日期. Students need to enroll at least half-time to be eligible for this loan.

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

Year	Dependent Students (except students whose parents are unable to obtain PLUS 贷款)	Independent Students (and dependent undergraduate students whose parents are unable to obtain PLUS 贷款)
一年级本科生年度贷款限额	$5,500 - No more than $3,其中500元可作为补贴贷款.	9500美元——其中补贴贷款不得超过3500美元.
二年级本科生年度贷款限额	$6,500 - No more than $4,其中500元可作为补贴贷款.	$10,500 - No more than $4,其中500元可作为补贴贷款.
资助及非资助贷款总限额	$31,000 - No more than $23,000 of this amount may be in subsidized loans	$57,000 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元可作为补贴贷款. The graduate aggregate limit includes all federal loans received for undergraduate study.

Parents of dependent students may apply for a Federal Direct PLUS Loan to help pay their child's education expenses as long as certain eligibility requirements are met. 符合资格申请“家长直接加贷”贷款:

• The parent borrower must be the student's biological or adoptive parent. 在某些情况下，是学生的继父母 可能符合条件.
• The student must be a dependent student who is enrolled at least half-time at a school that participates in the Direct Loan Program.  一般, a student is considered dependent if he or she is under 24 years of age, 没有家属, 并且没有结婚.
• The parent borrower must not have an adverse credit history (a credit check will be done). 如果父母没有通过信用检查, the parent may still receive a loan if someone (such as a relative or friend who is able to pass the credit check) agrees to endorse the loan. 背书人承诺，如果家长未能偿还贷款，背书人将偿还贷款. The parent may also still receive a loan if he or she can demonstrate extenuating circumstances.

学生和家长必须是美国公民.S. 公民或符合条件的非公民, must not be in default on any federal education loans or owe an overpayment on a federal education grant, and must meet other general eligibility requirements for the federal student aid programs. For additional information on eligibility requirements, visit the Federal 学生资助资格 page.

申请直接PLUS贷款, the parent must complete a Direct PLUS Loan Application and 主本票 (MPN). The MPN is a legal document in which the borrower promises to repay the loan and any accrued interest and fees to the Department. 它还解释了贷款的条款和条件. 在大多数情况下, one MPN can be used for loans that a parent receives over multiple academic years although a separate Loan Request must be filed for each school year. 如果父母之前签署了MPN以获得FFEL PLUS贷款, 他或她将需要签署一份新的MPN，以申请直接PLUS贷款.

在网上完成PLUS申请和MPN www.studentaid.gov

The annual limit on a PLUS Loan is equal to the student's cost of attendance minus any other financial aid the student receives.

例如, 如果出勤费用是6美元,000美元，学生得到4美元,其他财政援助, 学生家长最多可以申请2美元,000.

Repayment Plans-The Direct PLUS Loan Program for parents offers three repayment plans-standard, 扩展, and graduated-that are designed to meet the different needs of individual borrowers. 还款计划的条款有所不同, 但一般来说, 借款人将有10到25年的时间来偿还贷款. 要了解更多关于还款计划的信息，请访问还款信息.

To review the amount of loans you have borrowed while attending school, please visit studentaid.gov and visit your account dashboard and scroll down to the "My Loan Servicers" section or call the 联邦学生资助 Information Center (FSAIC) at 1-800-433-3243.
 
入学贷款咨询 | Before receiving a student loan, borrowers must complete an entrance counseling session. This quick and easy interactive counseling session provides useful tips and tools to help you develop a budget for managing your educational expenses and helps you to understand your loan responsibilities You can complete this requirement at studentaid.gov and under '贷款 and 奖助金' click on 'Loan Entrance 咨询'; complete as Undergraduate.
 
主本票 | The 主本票 (MPN) is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the U.S. 教育部. 它还解释了贷款的条款和条件。. 学生可以在以下地点完成此要求 studentaid.gov and under '贷款 and 奖助金' click on 主本票 (MPN); complete as Undergraduate.
 
退出贷款咨询 | Prior to graduating or leaving school, Direct Loan borrowers must complete exit counseling. The Direct Loan Exit 咨询 will explain your rights and responsibilities as a Direct Loan borrower. 学生可以在以下地点完成此要求 studentaid.gov.

登录本站点并完成这些要求, you will need the same FSA ID and password that you signed your FAFSA with.