Federal loans typically have better interest rates and terms, so we encourage you to investigate your federal borrowing options first.
与几乎所有的经济援助一样，贷款申请流程的第一步是完成一份 Free Application for 联邦学生资助 (FAFSA).
Federal Direct Student 贷款 are available to all eligible students. 学生必须修满6个合格学分才能获得直接资助, Direct Unsubsidized or Direct PLUS loans.
Direct Subsidized 贷款
To receive Direct Subsidized 贷款, student must demonstrate financial need. Subsidized 贷款 are interest free while the student is in school, 但在学生停止入学六个月后开始累积利息，至少6学分(半学期).
Direct Unsubsidized 贷款
Direct Unsubsidized 贷款 do not require financial need. 这些贷款在学生上学期间不是无息的，并且在支付后开始产生利息.
Learn more about Federal Direct 贷款.
Direct PLUS 贷款 for Parents
Parents of dependent students may apply for Direct PLUS 贷款. 这些贷款是可用的，无论经济需要和资格的金额取决于出席的总费用.
如果你有资格获得联邦直接贷款，奖励函将列出你的最高额度 联邦贷款金额.
Evaluate your aid offer carefully. 在贷款的情况下，请记住，无论你借多少钱，都必须连本带利偿还. You may not need to borrow as much as the amount listed on your award offer.
如果你决定向AACC申请联邦直接贷款来支付你的课程或其他相关费用, 您必须通过登录MyAACC并选择以下选项访问AACC联邦直接贷款申请表 Menu > Self Services > 金融援助.
You must complete and sign the request form and email it to finaid@协会的.edu 审查. 额外的电子邮件将发送到您的MyAACC电子邮件帐户，根据您的要求提供更多说明和更新.
如果这是你第一次申请联邦贷款，你必须完成入学面试 在线 or by making an appointment with a financial aid advisor.
First-time borrowers also are required to complete a Master Promissory Note (MPN) once their loan is processed. You will receive an email when your MPN is available. 您将需要您的驾驶执照和三个推荐人的联系信息(这些不是委托人).
所有新借款人必须从上课第一天起等待30天才能收到联邦直接贷款资金.
You will receive additional information regarding subsequent loan borrowing, legal and privacy notices, and other required disclosures once your loan has been certified. 这些信息将由您的联邦贷款服务机构根据美国联邦贷款管理局的要求发送.S. Department of Education.
你有权在你的学校发放贷款之日起14天内取消全部或部分贷款(将贷款记入你的学校)。.
考虑学生贷款对你未来的影响是很重要的. Borrow only what you need to assist with your educational costs. 观看这段视频，了解作为借款人的责任，以及在申请大学贷款时应该考虑什么.
Before borrowing a student loan, visit the 联邦学生资助 网站. It provides great financial aid information, 包括还款计划和估计你每个月可能要付多少钱. If you decide to take out a loan for your educational expenses, 一定要了解贷款的条款和条件，以及你有哪些还款选择.
你可以使用 National Student Loan Data System (NSLDS) 网站，找出谁是您的服务，并保持更新您的贷款历史和状态.
AACC works closely with 学生联系 to provide student loan default prevention options to our students. 学生联系将帮助你选择还款或解决拖欠贷款. Your can talk to a borrower advocate for free at 866-311-9450.
All students who accept federal loans must agree to the following:
建议学生在决定额外借款之前完成FAFSA以查看他们的联邦直接贷款选项.
私人学生贷款不是联邦学生贷款计划的一部分，可能需要信用检查. You may borrow private loans from any lender you choose. Some private loans are open only to students taking credit classes, but others will consider continuing education (noncredit) students as well.
Borrowing costs vary between programs and institutions. 你需要调查费用并选择适合你的项目.
Learn more about the differences between federal and private student loans.
问题 to consider before applying for a private student loan:
资助.org 提供贷款分析，帮助学生比较借款成本从广泛的私人贷款公司的名单.