应用ing for 贷款 & 奖学金

奖学金

每年, the college and the Hudson Valley Community College 基金会 are proud to offer more than 100 奖学金 based on financial need as well as merit based 奖学金. There are also external scholarship opportunities that you may be eligible for.

Explore Scholarship Opportunities

贷款

Educational loans provide a way for students to borrow money to help pay for college. The following loan programs are available:

• Federal Direct 学生 Loan
  Please be sure that you have received your financial aid award email notice prior to applying for your Federal Direct 学生 Loan.
• Federal Direct PLUS Loan (家长 Load for Undergraduate 学生)
• 选择贷款

Inceptia

We want to make sure you succeed! Hudson Valley has teamed up with Inceptia to provide you with FREE assistance throughout your college journey.

As a nonprofit dedicated to student success, Inceptia may reach out to help you through verification, advise you on Federal student loan borrowing and repayment, guide you on financial aid processes, and make sure you meet important deadlines. They might even just check in on your college plans to provide help, tools and resources.

For more information on Inceptia, visit www.inceptia.org/student-landing/.

Federal Direct 学生 Loan

Subsidized Limits for New Borrowers
Attention New 学生 Loan Borrowers: Any new borrower can become ineligible to receive additional Direct Subsidized 贷款 and could lose their subsidy on previously borrowed Direct Subsidized 贷款. This will occur when the period during which the borrower has received subsidized loans exceeds 150 percent of the published length of their educational program. Details of Subsidized Limits for New Borrowers (PDF)

Detailed information is available in the [Loading 金融援助 link…] section of the 大学目录.

Eligibility for Federal Direct 学生 贷款 is determined for all students who have filed a FAFSA (Free Application for Federal 学生 援助). 学生s view their eligibility and accept loan funds they wish to borrow via 《正规博彩平台》杂志.

学生 borrowing requirements:

• Be enrolled in and maintain at least half-time enrollment (six degree-applicable credit hours or more).
• Complete online Entrance 咨询 at http://studentaid.gov/entrance-counseling/ in order to borrow federal loans.
• Complete an online Master Promissory Note (MPN) at http://studentaid.gov/mpn/. 
• Complete online Exit 咨询 at http://studentaid.gov/exit-counseling/ upon graduation or separation from the college.

Resources for Entrance 咨询

• Entrance 咨询 Letter from HVCC 金融援助 Office (PDF)
• Federal 学生 援助 Ombudsman Information (PDF)

Resources for Exit 咨询 Information

• Exit 咨询 Letter from HVCC 金融援助 Office (PDF)
• Federal 学生 援助 Ombudsman Information (PDF)

Federal Direct PLUS Loan (家长 Loan for Undergraduate 学生)

家长s of dependent undergraduate students are eligible to apply for this federal loan.

学生s must have a Free Application for Federal 学生 援助 (FAFSA) on file, be making satisfactory academic progress and be enrolled in a minimum of six (6) degree-applicable credit hours. Approval of this loan is based on the parent's credit history.

A student should have received their financial aid award email notice prior to submitting a Federal Direct PLUS Loan application.

Please refer to the Federal Direct PLUS Loan Application (available on the 金融援助 Forms page) for more information and application procedures. Detailed information regarding these loans can be found at http://studentaid.gov/plus-app/parent/landing. 

选择贷款

An alternative loan is a personal loan from a bank that is used for educational expenses. Most alternative loans are deferrable until you graduate; however some may require you to pay interest while you are attending school.

Alternative loans exist as an additional means to pay for your college education. These loans are often used as a supplement to a student’s existing financial aid package. Some alternative loans can be used to pay for prior balances up to one year old. 学生s who fall into unsatisfactory academic progress may also apply for certain alternative loans to help finance their education until they get back into good academic progress and receive federal financial aid again.

了解基本知识

It’s to your advantage to become well-informed before you take on the responsibilities that come with an educational loan. You should first apply for all other forms of financial aid, 包括赠款, 奖学金, employer tuition payments, Direct 工作人员ord 贷款, 等. before applying for an alternative loan.

Get All the Facts

Educate yourself before you borrow. Before taking out your alternative loan, have a clear understanding of what type of loan you have AND its characteristics, 例如:

• What is the interest rate? Most loans come with a variable rate. Estimate your total indebtedness.
• What fees will be charged? Most (not all) loans have origination fees that are deducted from the principal amount you borrow. In some cases, the origination fee may be added to the principal amount you borrow.
• Will I have to make payments while in school? Repayment may vary with loan type.
• 谁有资格? Each program may have its own criteria for determining loan eligibility. Creditworthiness and a credit worthy cosigner are most often at the top of the list. The number of credits you are taking for the loan period is also considered.
• How much may I borrow? Each lender has different minimum and maximum lending amounts for each loan period and a cumulative borrowing limit.
• What is the cosigner’s responsibility? If the principal borrower does not repay the loan, the cosigner is responsible for full payment.

Check Out Your Repayment Options Before Borrowing

Repayment may seem a long way off, but carefully choosing your alternative loan NOW can mean a less expensive and more manageable loan later. Some lenders have loans that enter repayment immediately after full disbursement. Some lenders offer programs that let you pay electronically and offer rewards, such as lower interest rates, to those who consistently pay on time. Understanding your options will help you decide how much you can borrow.

Before You Sign Anything

Keep in mind that these are loans, NOT grants. When you enter repayment, you will be required make monthly payments. Make sure you do not put yourself in a situation you cannot handle.

Important Application Process Information

According to the Higher Education Opportunity Act of 2008 (HEOA) and the Truth in Lending Act (TILA), all private education lenders must obtain a completed and signed Self-Certification Form (PDF) from the applicant prior to processing a private education loan.

学生s can find the Cost of Attendance information needed to complete Section 2-A in the [Loading 金融援助 link…] section of the 大学目录.

The Mastrangelo 金融援助 Center will assist students with completion of the form prior to the student submitting it to their lender. Once the form is completed, students should discuss the status of private education loan applications with their lender directly.

• FASTChoice
  搜索ing for a private lender is easy. FASTChoice provides you with information in an easy-to-understand format to help you determine which private student loan best meets your needs.