A student loan is an investment in your education. 然而, because loans must be repaid with interest, taking on educational debt is a decision that must be considered carefully. esball世博 encourages responsible borrowing 和 is committed to providing students 和 parents with the tools 和 information needed to make the best possible choices.
请注意: all Federal loans require completion of entrance counseling prior to the first disbursement, providing comprehensive information 在 terms 和 conditions of the loan, as well as the responsibilities of the borrower. A signed Master Promissory Note (MPN) is also required, serving as the document outlining the requirements for repayment. All information related to Federal student loans can be found at www.studentaid.政府.
提供给U.S. 公民和 符合条件的非公民. In this federal program, students may borrow $5,500 to $20,500 per year, depending on class level. Repayment begins after the grace period after a student graduates, 离开大学, or drops below half-time enrollment.
Federal Direct loans may be either subsidized or unsubsidized. Subsidized loans do not accrue interest while the student is enrolled at least half-time; undergraduate students who demonstrate financial need may be eligible. Students with or without financial need may receive unsubsidized loans, which accumulate interest upon disbursement.
Obtaining Federal Student 贷款
Federal Stafford loans can be accepted via Cadence 金融援助, the student self-service system. (A Juilliard login 和 password is required.) You may wish to wait to request your loans until after bills are generated by the Office of 学生账户 in mid-July. Loan eligibility does not expire until the last day of classes each academic year.
Repaying Your Federal Student 贷款
The National Student Loan Data System (NSLDS) can be accessed at nslds.ed.政府. This site allows you to view your total loan amounts, interest rates 和 servicer information from all schools attended. To determine your monthly payments under different repayment plans, use the 计算器 在 www.studentaid.政府 site or visit your servicer's website. If you have questions about repaying your student loans, please review our 还款信息页面 or esball世博.
私人贷款, also called alternative or outside loans, should be the student’s last course of action after any federal loan eligibility is exhausted. These loans usually have variable interest rates 和 do not offer the same repayment options as federal loans. esball世博 does not maintain a preferred lender list 和 cannot recommend a specific lender. 然而, we do recommend resources to help students make an educated decision, such as the 学生贷款分析 和 简单的学费 网站. Students should contact the Office of 金融援助 before seeking private loans to ensure all options have been considered.
贷款 for 国际学生
International students wishing to borrow educational loans must seek them from a private bank or credit union. Most lenders require international students to obtain a co-signer who is a U.S. 公民或永久居民. 不幸的是, the Office of 金融援助 cannot recommend lenders to students, 父母或共同签署人.
St和ards of Ethical Business Conduct
esball世博 和 its employees are not permitted to engage in revenue-sharing arrangements with any lender, nor can they accept equipment or printing services from loan providers. esball世博 和 its employees will not steer borrowers to particular lenders or delay loan certification.
这所学校 prohibits employees 和 agents of the school from:
- receiving gifts from a lender, guaranty agency, or loan servicer;
- accepting compensation for any type of consulting arrangement or contract to provide services to or on behalf of a lender relating to education loans; or
- 在顾问委员会任职, 委员会, or group established by lenders or guarantors, except for reimbursement for reasonable expenses.
This statutory prohibition is implemented in 34 CFR 682.212.