父母信息

申请流程

最大限度地利用现有的财政援助资源，并考虑所有类型的资助, 你的家人应该 申请经济资助 as soon as possible after October 1 of every year. 回顾我们的 tips for completing the FAFSA 和 CSS Profile 来帮助简化这个过程!

想了解更多信息? 看看 经济援助101, 旨在帮助未来的学生和家长充分了解杜顿大学的经济援助过程的电子邮件系列.

付款、支付和退款

10 days before the first day of classes, 本季度的助学金将支付到您学生的账户，并将支付他们的费用, as long as all financial aid requirements have been satisfied.

If your student's financial aid is more than the total of their charges, they may be eligible for a refund to pay other non-billable expenses. Refunds are typically generated by the O学生账单办公室 2-3 business days after disbursement.

如果你借了家长PLUS贷款，所欠的退款将通过邮寄支票直接寄给你. 然而, 如果你的学生的经济援助(不包括PLUS贷款)大于账单, those excess funds will first be refunded directly to the student. 然后，除非另有要求，否则额外的PLUS贷款金额将退还给您. If you wish to have the refund from a 家长PLUS贷款 sent to your student, please contact our office to make that request.

参观 O学生账单办公室 for more information about billing 和 payment.

家长PLUS贷款

的 Federal Direct Parent Loan for Undergraduate Students (家长PLUS贷款)是一项以信用为基础的贷款，提供给受供养本科生的家长. Students will not have this loan offered on their award letter. Parents must apply separately for this loan via Student援助.政府 和 may borrow up to the student's total 出勤费用，减去所有其他经济资助.

Video Playlist: Parent PLUS Loan Overview

• 资格

  家长PLUS贷款适用于已提交FAFSA的受抚养本科生的信用良好的父母, 无论经济需要如何. To be approved, the parent must not have an adverse credit history.

  Conditions that result in an adverse credit history include:

  • One or more debts with a total combined outst和ing balance greater than $2,逾期90天或以上，或在信用报告出具之日之前的两年内已被催收或已被冲销(注销).
  • 在出具信用报告之日前五年内，有下列情形之一的:
    • • 默认的决心
      • 在破产中清偿债务
      • 丧失抵押品赎回权
      • 收回
      • 税收留置权
      • 扣发工资
      • Write-off of a federal student aid debt

  
  Students are considered to be independent if they are...

  • 至少24岁.
  • 结婚了.
  • 有孩子.
  • 研究生.
  • 一位资深.
  • 军人:武装部队的一员.
  • An orphan, ward of the court or homeless.

  
  如果这些都不符合，他们被认为是依赖联邦学生援助的目的.

• 拒绝时的选项

  If you are denied a 家长PLUS贷款 because of adverse credit, you may...

  • Reapply with a credit-worthy cosigner.
  • 如果有与你的信用记录相关的情有可依的情况，你可以向教育部提出上诉.
  • 正规赌博十大平台排行，因为您的学生可能有资格获得额外的联邦直接无补贴贷款.
     

  Video Playlist: PLUS Loan Denial Options

• 利率及费用

  利率: 家长PLUS贷款提供的利率在贷款期限内保持固定.

  • For loans borrowed during the 2023-24 academic year: 8.05%
  • For loans borrowed during the 2022-23 academic year: 7.54%
  • For loans borrowed during the 2021-22 academic year: 6.28%
  • For loans borrowed during the 2020-21 academic year: 5.30%

  
  利息是在学生在校期间、任何宽限期和还款期间产生的. You can pay the interest as it accrues if you wish. Unpaid interest will be capitalized when repayment begins.

  融资费用: 在支付每一笔贷款时扣除贷款发起费. For loans with a first disbursement on or after Oct. 2020年10月1日及之前. 2023年1月1日，费用为 4.228%.

• 如何申请

  如欲申请，请浏览 Student援助.政府. Under the "Loans 和 Grants" drop-down menu, click on the "PLUS Loans" link.

  A credit check will be conducted once you begin the loan application process. 如果你最初被拒绝了父母PLUS贷款，但后来通过获得背书或证明情有可原的情况而获得了资格, you will also be required to complete PLUS Counseling through Student援助.政府.

  一旦你被批准, 教育部将发送您的贷款批准确认函和所需金额的详细信息. 这笔贷款将在处理后添加到你的学生的经济援助报价中.

• 还款

  还款 begins 60 days after the last disbursement of the loan. 然而, 在学生注册至少一半的时间和学生毕业后额外的6个月宽限期内，还款可以延期. 每月付款给你的直接贷款服务[链接到毕业和还款]. 最低还款额是50美元, but that amount will likely be higher depending on the total amount borrowed.

  标准还款期限为10年，但根据借款总额和选择的还款计划，最长可达25年.

  Video Playlist: Parent PLUS 偿还贷款 Options

Special Circumstances 和 金融援助 Appeals

有时, after your student receives their financial aid offer, your family may experience an unexpected change to your financial situation. 在这种情况下，你可以申请重新评估你的学生资助. 所有特殊情况的申请必须由财政援助上诉委员会批准, 上诉只有在发出最初的奖励函并收到所有附加文件时才会被处理.