父母信息

申请流程

To maximize available financial aid resources 和 to be considered for all types of funding, 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, an email series designed to help prospective students 和 parents fully underst和 the financial aid process at DU.

Payment, Disbursement 和 Refunds

10 days before the first day of classes, aid for the quarter will disburse to your student's account 和 will pay toward their charges, 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.

If you borrowed a 家长PLUS贷款, any refund owed will be sent directly to you via mailed check. 然而, if your student's financial aid (without the PLUS loan) is greater than the bill, those excess funds will first be refunded directly to the student. 的n, the additional PLUS loan amount will be refunded to you unless otherwise requested. 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) is a credit-based loan available to parents of dependent undergraduate students. 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

  的 家长PLUS贷款 is available to credit-worthy parents of dependent undergraduate students who have submitted a FAFSA, 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 $2,085 that are 90 or more days delinquent or that have been placed in collection or charged off (written off) during the two years preceding the date of the credit report.
  • Having been subject to any of the following conditions during the five years preceding the date of the credit report:
    • • 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.

  
  If none of those apply, they are considered to be dependent for federal student aid purposes.

• 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.
  • Appeal the denial with the Department of Education if there are extenuating circumstances related to your credit history that you can document.
  • 联系 us, as your student may be eligible for an additional Federal Direct Unsubsidized loan.
     

  Video Playlist: PLUS Loan Denial Options

• 利率及费用

  利率: 家长PLUS贷款s offer interest rates that remain fixed for the life of the loan.

  • 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%

  
  Interest accrues while the student is in school, during any grace period, 和 during repayment. You can pay the interest as it accrues if you wish. Unpaid interest will be capitalized when repayment begins.

  融资费用: A loan origination fee is deducted at the disbursement of each installment of the loan. 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. If you were initially denied the 家长PLUS贷款 but have since qualified by obtaining an endorser or documenting extenuating circumstances, you will also be required to complete PLUS Counseling through Student援助.政府.

  一旦你被批准, the Department of Education will send confirmation of your loan approval 和 the details of the requested amount. 的 loan will be added to your student's financial aid offer after processing.

• 还款

  还款 begins 60 days after the last disbursement of the loan. 然而, repayment can be deferred while the student is enrolled at least half-time 和 for an additional 6-month grace period after the student graduates. Payments are made to your Direct Loan servicer [link to 毕业 和 还款] each month. 最低还款额是50美元, but that amount will likely be higher depending on the total amount borrowed.

  的 st和ard repayment period is 10 years but can be as long as 25 years depending on total borrowing 和 chosen repayment plan.

  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. In these circumstances, you may appeal for a re-evaluation of your student's aid. All special circumstances requests must be approved by the 金融援助 Appeals Committee, 和 appeals are processed only when an initial award letter is issued 和 all additional documents are received.