Borrowing money for school can be a confusing 和 daunting process for 学生 和ir families. Selecting the student loan or combination of loans that meet your specific needs is crucial because the loan choices you make today will have an impact on your financial well-being for many years after you leave school.
The following information is designed to provide an overview of the student loans that are available to choose from. Each loan has it's own unique eligibility requirements 和 repayment terms. It is important that you select the loan or combination of loans that best fit your specific needs. Detailed information for each loan can be found by clicking on the individual links.
本指南将提供一个简短的概述 联邦直接职员, 联邦直系父母PLUS 和 联邦直接毕业生/专业PLUS 贷款项目,以及国家 私人/替代(信贷); 和 合并贷款.
由于收益可观, 优惠利率, 和 repayment options offered by the federal loan programs, SMU recommends the use of federal loans prior to selecting a private/alternative (credit-based) loan program.
If you accepted the "Credit-Based 贷款" option in My.SMU, you must submit an additional application for credit approval with your lender. The credit-based loan options including application instructions are identified below.
贷款 |
感兴趣 |
资格 |
条款 |
如何申请 |
联邦 直接补贴
(无需信用审查) |
6.53%的固定
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联邦 直接补贴的(无需信用审查) |
6.53%固定 本科在读 学生
8.08%固定 研究生 学生
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基于信用的贷款选择(The following loans require an additional application for credit approval. 请参阅下面的应用说明) |
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联邦 直系家长PLUS
(Requires additional application for credit approval) |
9.08%的固定 |
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(父母必须去 StudentAid.政府 提交信贷审批申请. Those who apply with a credit-worthy endorser or negative credit appeal a decision must complete credit counseling) |
联邦 直接毕业生PLUS
(Requires additional application for credit approval) |
9.08%的固定 |
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(学生必须去 StudentAid.政府 提交信贷审批申请. Those who apply with a credit-worthy endorser or receive a negative credit appeal decision must complete credit counseling) |
德克萨斯州
大学入学贷款- CAL
(Requires additional application for credit approval) |
6.30% |
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私人/替代 各种私人,选择贷款
(Requires additional application for credit approval). |
不同 |
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For more Details on 贷款 options follow the links below:
For information on the percentage of SMU 学生 who borrow, the Cohort Default Rate (CDR) as calculated by the U.S. 部门. of Education, 和 how the CDR compares with other schools, please go to the U.S. 部门. 的大学记分卡网站.