Tuition and Fees
Financial Aid
Student Rights & Responsibilities
学生贷款计划
什么是学生贷款?
Student loans are funds that are borrowed and paid back with interest. Different types of student loans are available to help students and families cover the cost of educational expenses. As part of the financial aid offer, LMU offers students maximum Federal Student Loan eligibility.
联邦直接补贴贷款和非补贴贷款
联邦直接补贴贷款和非补贴贷款 are low-interest loans lent to students by the U.S. 教育署(教育署). To qualify, the student must complete the Free Application for 联邦学生资助 (FAFSA), 来看看联邦学生助学金吧 资格要求至少花一半的时间参加学位课程. 借款人在毕业六个月后开始还款, leave school, 或者降至半日入学率以下. Direct Subsidized Loans are only available to undergraduate students who demonstrate financial need. The U.S. Department of Education pays the interest on a Direct Subsidized Loan while the student is in school at least half-time, 学生离开学校后的头六个月, 在延期期间. Borrowers are responsible for paying the interest on a Direct Unsubsidized Loan during all periods. 除了利息，ED还要收1.057% loan origination fee on 联邦直接补贴贷款和非补贴贷款. 费用按比例从每笔贷款中扣除.
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现行利率
Interest Rates 本科的借款人 毕业生或专业借款人 5.50%
直接补贴贷款和非补贴贷款7.05%
直接无补贴贷款Interest rates are for 直接补贴贷款和非补贴贷款 first disbursed on or after July 1, 2023, 七月一日之前, 2024. -
Borrowing Limits
There are annual and aggregate limits for subsidized and unsubsidized loans. The limits vary depending on the student’s grade level, program, and dependency status. 学生不能透支他们的学费. 所有本科生年度贷款限额均按比例计算. Dependent students whose parents are not eligible for a Direct Parent PLUS Loan may qualify for additional Direct Unsubsidized Loan funds.
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年度借款限额
年度贷款限额 Grade Level 依赖学生 独立的学生 Freshman $5,500 $9,500 Sophomore $6,500 $10,500 Junior, Senior $7,500 $12,500 研究生或专业 $20,500(仅限无补贴) 骨科医学博士，
牙科博士，
兽医博士$40,500(只提供无补贴) -
Aggregate Limits
总贷款限额 Subsidized Total 相关的本科 $23,000 $31,000 独立本科 $23,000 $57,500 研究生或专业 $65,5001 $138,5002 骨科医学博士，
牙科博士，
兽医博士$65,5001 $224,000 2
(同时报名参加资格赛
健康专业计划)1Subsidized loan eligibility was eliminated for graduate and professional students for loans on or after July 1, 2012. The $65,500 subsidized aggregate limit includes subsidized loans received for undergraduate study and graduate and professional students prior to July 1, 2012.
2The aggregate loan limit for graduate and health professional students includes loans received for undergraduate study.
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年度借款限额
The LMU Financial Aid Offer will include the maximum amount a student can borrow in 联邦直接补贴贷款和非补贴贷款. 学生们被鼓励做一个预算和借贷保守. Students wishing to borrow must accept their loans via the Self-Service Menu by selecting "学生网络顾问” and then "Financial Aid" 在他们的MyLMU账户里. 此外，学生还需要完成一份 主本票(MPN) and 贷款入学辅导. For additional information on subsidized and unsubsidized loans, including repayment options, visit 联邦学生资助.
联邦直接父母加贷款
Parents of dependent students can borrow 联邦直接父母加贷款 from the U.S. 教育署(教育署) to pay their child’s educational expenses. 父母借款人必须是亲生父母或养父母(或, in some cases, (受抚养本科生的继父母), 没有不良信用记录, 满足基本要求 资格要求 申请联邦学生资助. To qualify, the student must complete the FAFSA, meet federal student aid 资格要求至少花一半的时间参加学位课程. 家长PLUS贷款没有补贴, so the borrower is responsible for paying the interest during all periods. 除利息外，ED还收取4美元.联邦直接PLUS贷款的228%的贷款发起费用. 费用按比例从每笔贷款中扣除.
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现行利率
Interest Rates Loan Program Rate 联邦直接父母加贷款 8.05% Interest rate is for Direct PLUS Loans first disbursed on or after July 1, 2023, 七月一日之前, 2024.
If approved, the parent may borrow up to the student’s cost of attendance (COA) minus the other financial assistance (OFA) the student receives. Repayment on a parent PLUS loan begins immediately after the last disbursement is received. 在申请过程中, the parent may request a deferment while the student (the loan was obtained for) is enrolled at least half-time and for six months beginning on the date the student ceases to be enrolled at least half-time.
要申请家长PLUS贷款，家长必须在 联邦学生资助 website. 如果获得批准，家长还必须填写一份 主本票(MPN). 学分决定将被发送到学校. 一旦我们办公室收到批准, we will set up the parent PLUS loan and change the loan status from estimated to offered. The student will receive a revised financial aid offer notification to their LMU email account. The student must log into their MyLMU account and accept the loan through the Self-Service Menu by selecting "学生网络顾问” and then "Financial Aid." If a parent is denied credit, the parent may obtain an endorser or appeal the decision. If a parent is denied credit but does not obtain an endorser or appeal the decision, 该学生可能有资格获得额外的无补贴贷款.
联邦直接毕业生PLUS贷款
联邦直接毕业生PLUS贷款是由美国联邦大学提供的贷款.S. 教育系(ED)面向研究生和专业学生. To qualify, the student must complete the FAFSA, 来看看联邦学生助学金吧 资格要求, 没有不良信用记录, and enroll at least half-time in a graduate or professional degree program. 毕业生PLUS贷款是没有补贴的, so the borrower is responsible for paying the interest during all periods. 除利息外，ED还收取4美元.联邦直接PLUS贷款的228%的贷款发起费用. 费用按比例从每笔贷款中扣除.
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现行利率
Interest Rates Loan Program Rate 联邦直接毕业生PLUS贷款 8.05% Interest rate is for Direct PLUS Loans first disbursed on or after July 1, 2023, 七月一日之前, 2024.
If approved, the student may borrow up to the cost of attendance (COA) minus the other financial assistance (OFA) the student receives. Repayment on a grad PLUS loan begins six months after the student graduates, leaves school, 或者下降到一半入学率以下.
借毕业生PLUS贷款, the student must accept the loan/credit check authorization through their MyLMU Self Service Menu by selecting "学生网络顾问” and then "Financial Aid.学生还必须完成一份 主本票(MPN) and 贷款入学辅导. 学分决定将被发送到学校. If a student is denied credit, the student may obtain an endorser or appeal the decision. 有关其他贷款信息，包括还款选项，请访问 联邦学生资助.
私人学生贷款
(替代贷款)Private lending institutions offer private student loans not guaranteed by the federal government. These funds are often utilized by students who may not be eligible for federal financial aid or may need to bridge the gap between their cost of attendance and other financial assistance. 私人学生贷款的资格是基于信用的. 没有建立学分的学生可能需要共同签名. 资格要求和贷款条款因贷款人而异. The amount borrowed cannot exceed the cost of attendance minus other financial assistance. 一旦学生被批准获得私人学生贷款, 贷款人将向学校发送认证请求. 请预留5-10个工作日进行认证. Once certified, the private student loan will be added to the student’s financial aid offer. Please note that private student loans will not subtract from the balance in the Account Summary 筛选MyLMU，直到资金支付. 如果私人贷款包含在经济援助offer中, 它将被用作完成注册的资源, 即使它没有从MyLMU的余额中扣除. Private student loans are disbursed on the same schedule as federal financial aid. 有关联邦和私人学生贷款的比较，请访问 studentaid.gov.
