的 financial aspects of attending graduate school can be challenging.
在圣. 爱德华的, we strive to provide the guidance and help you need. 你会和一个St. 爱德华的金融服务顾问，他将在你在圣. 爱德华的 — answering questions and informing you about payment plan options.
3-Step 研究生 School 金融援助 Process
1. 申请入读圣. 爱德华的
If you have questions about financial aid prior to applying for admission, please contact Student Financial Services at 512-448-8523.
2. 完成FAFSA
上网去美国.S. 教育署 完成你的FAFSA. 免费申请联邦学生援助（FAFSA）会询问有关家庭收入和资产的问题，以确定是否可以申请 预期家庭贡献，或EFC. 一定要列出St. 爱德华的 federal school code, 003621, in the school release section.
You will receive an email acknowledgment from the Department of Education. (If you do not receive a response within 48 hours, contact the 联邦学生资助 Information Center at 800-433-3243.) St. 爱德华的 should receive your FAFSA results within a week. 在我们的学生门户网站myHilltop，您可以跟踪我们何时收到您的FAFSA信息.
3. 获奖通知
After you’re admitted and have provided all the required documents, you’ll receive a financial aid offer email. You’ll view and accept the aid offer, and complete any additional requirements to secure your aid offer in myHilltop.
外面的奖学金
了解更多关于 Outside Scholarship Opportunities (scholarship funding outside of St. 爱德华的)
St. 爱德华的 does not offer scholarships for our graduate programs. 然而, outside scholarships may be available through other organizations.
Assistance Programs for 退伍军人
如果你是一名美国退伍军人.S. Armed Forces, you may be eligible to use your VA Educational Benefits at St. 爱德华的. (Hazlewood benefits cannot be used because of our private university status.)我们 退伍军人事务 办公室可以帮助确定您的资格并回答您可能遇到的任何问题，可以通过512-492-3193或 dnoll@hsbolivia.net.
贷款
当你提交 Free Application for 联邦学生资助, or FAFSA, you will automatically be considered for these financial aid options.
贷款需要偿还.
联邦直接学生贷款
All eligible students can borrow through the U.S. Department of Education's Direct Loan Program, designed specifically for college students. 这种低息贷款计划允许你在攻读学位/证书课程至少6个学分的情况下推迟付款, 在你毕业后六个月开始还款，或者在半期制注册状态下开始还款. Students must remain in good academic standing with a minimum GPA of 3.0, and successfully complete 75% of their courses each academic year.
Note: If you accept one of these loans, 除了提交FAFSA外，您还必须填写联邦直接贷款本票并完成债务管理会议.
私人教育贷款
St. 爱德华的 also maintains information on a number of 另类贷款计划. 大多数贷款的偿还可以延期，只要你是兼职的. Plus, you don’t need to complete a need-analysis form, like the FAFSA. You just need to pass a standard credit check or have a co-signer on your loan.
教育贷款
我们的许多研究生使用教育贷款来帮助支付他们的教育费用，而不是更高利息的信用卡或短期付款计划. 的 Federal Direct Unsubsidized Student Loan 特别是, provide easy eligibility criteria, deferment of payments while enrolled, 延长还款期限, 灵活的还款选择, 和低, 固定利率.
Federal Direct Unsubsidized Student Loan
的 Department of Education provides a 联邦直接学生贷款 for degree-seeking graduate students. This non-credit-based loan features a low, 固定利率, 以及在至少半学时注册期间（6学时）延期付款。. 提交 Free Application for 联邦学生资助 （FAFSA）需要证明学生有资格参加该计划.
| Annual Federal Direct Unsubsidized Student Loan Limit* | $20,500 |
*这个数额是按比例分配给在一学年中只参加一个学期的学生.
Federal Direct Loan Interest Rates for 2024-2025
截至2024年5月，财政部举行了10年期国债拍卖，直接补贴贷款的利率低于此, 直接无补贴贷款, and Direct PLUS 贷款 first disbursed on or after July 1, 2024年及7月1日之前, 2025.
直接无补贴贷款 for 研究生 and Professional Students 8.083%
Understand how interest is calculated and what fees are associated with your federal student loan.
Federal Direct 研究生 PLUS Loan
的 Department of Education also provides an additional credit-based loan opportunity for graduate 学生，允许他们借到他们的全部出席费用减去其他援助. 付款通常在贷款资金全部支付给大学后30至60天开始, 虽然延期条款适用于在学位课程中注册至少一半时间的学生.
Federal Direct Loan Interest Rates for 2024-2025
截至2024年5月，财政部举行了10年期国债拍卖，直接补贴贷款的利率低于此, 直接无补贴贷款, and Direct PLUS 贷款 first disbursed on or after July 1, 2024年及7月1日之前, 2025.
Federal Direct 研究生 PLUS loan Interest Rate 9.083%
提交FAFSA以及完成入学贷款咨询会议是申请过程的一部分. 了解更多信息 联邦学生资助.
总贷款限额
$138,500 for graduate or professional students-No more than $65,500 of this amount may be in subsidized loans. 研究生总限额包括所有本科学习的联邦贷款.
入学贷款咨询
A student who accepts a Federal Student Loan is required to complete 入学咨询. 入学咨询确保您了解贷款的条款和条件以及您的权利和责任. 你会学到什么是贷款, 兴趣是如何产生的, 你的还款选择, and how to avoid delinquency and default.
了解贷款还款
A student that has borrowed a federal loan is required to complete 出口咨询 when you leave school or drop below half-time enrollment. 退出咨询的目的是确保你了解你的学生贷款义务，并准备偿还
学习更多关于付款的知识, 改变还款计划, 探索选项, and get help at the Deportment of Education 学生资助网站.
宽恕诈骗
如果电子邮件, 电话, 你收到的关于学生贷款减免的短信会触发你的骗局感应器, 我们会帮你的. 了解更多关于最常见的学生贷款减免骗局以及如何避免它们. 访问 联邦学生资助.
私人教育贷款
记住，联邦学生贷款的利率和费用通常低于私人学生贷款.
St. 爱德华公司和榆树资源公司一起，维护着一些 另类贷款计划 offered through private banks and lending groups
Because these are non-federal loans, each lender sets its own eligibility criteria, 利率, 处理费用, 以及还款条款. 一般, students must meet fairly high credit standards to qualify on their own, so many students will need a credit-worthy cosigner in order to qualify. 如果得到批准, 学生通常可以借到他们的全部出勤费用减去学生在出勤期间收到的任何其他援助，这些援助将由贷款支付. 学生将收到一份最终的披露声明后，他们的主本票已签署确认他们的贷款条款和条件从贷款人.
借贷真理法 根据联邦贷款真相法（TILA），贷款人必须提供以下文件：
- Private Education Loan Applicant Self-Certification Form: 学生必须填妥此表格，并于收到第一笔贷款款项前交回贷款机构.
- Federal Direct Loan Disclosure Statement and Right-to-Cancel Period: After the student signs the promissory note, 联邦直接贷款披露声明确认了贷款的条款和条件. 在提交此披露时，取消权期开始. 在这三到六天的时间内，学生可以通过联系贷款人取消贷款. 在取消权期限结束之前，贷款人不能释放贷款资金的首次支付.
Due to the required credit review, 学生金融服务不能保证所有申请的学生都有资格获得贷款资金. Approval is determined by the lender.
请注意，将贷款人列入此列表并不意味着大学的认可, nor is it meant to limit your selection of a private education loan. 的se particular lenders have been included because:
- they have a proven track-record of reliable customer service;
- they offer competitive 利率 以及还款条款; and
- 他们使用与大学财政援助管理系统兼容的电子处理，确保贷款资金的一致和及时交付.
然而, 无论贷款人是否出现在此名单上，学生金融服务办公室都将对任何私人教育贷款申请进行认证.
Once you have decided upon a lender, 请联系你的学生金融服务顾问，了解你需要提供的信息，作为贷款申请的一部分, 包括贷款期限, 出勤费用, and total amounts of other assistance.
St. 爱德华大学不会从贷款人那里获得任何形式的付款或报酬，以换取列入此名单.