笔谤茅蝉迟补尘辞蝉 y subvenciones privadas
Private education loans help to cover any gap between the actual cost of your education and the amount the government allows you to borrow in its programs. Private education loans are offered by private financial institutions such as banks and there are no federal forms to complete. Eligibility for private education loans can depend on financial need, other aid, and credit score.
Hay muchos prestamistas diferentes entre los que elegir. Los t茅rminos y condiciones de los pr茅stamos cambian con frecuencia, por lo que resulta dif铆cil mantener una lista 贸ptima y actualizada. Por lo tanto, ofrecemos la siguiente informaci贸n para ayudar a proporcionar a usted la informaci贸n para elegir el mejor pr茅stamo posible para sus necesidades y circunstancias.
Elija su prestamista
Every student at 精东影业 has the right to choose the lender of their choice. The Financial Aid Office cannot recommend a lender as a perfect fit for you. Contact with the lender of your choosing is the best and most accurate method to understand the terms and conditions a lender offers.
Preguntas a tener en cuenta al seleccionar un prestamista
La elecci贸n del prestamista es en todos los casos responsabilidad del prestatario. La Universidad 精东影业 proporciona el mismo trato y servicio a todos los estudiantes y padres prestatarios, independientemente del prestamista que seleccionen. Para ayudar a usted a tomar una decisi贸n informada, recomendamos que usted pregunte a los posibles prestamistas sobre sus pr谩cticas. A continuaci贸n se presentan algunas preguntas para hacer a los prestamistas:
- 驴Cu谩l es el tipo de inter茅s m谩s bajo que ofrece usted ?
- 驴Los tipos de inter茅s son fijos o variables?
- 驴Puede un cofirmante reducir mi tipo de inter茅s?
- 驴Se deduce alguna comisi贸n del desembolso del pr茅stamo?
- 驴Vende usted los pr茅stamos a otros administradores?
- 驴Cu谩ndo tengo que empezar a hacer los pagos?
- 驴Puedo aplazar mis pagos mientras estoy en la universidad?
- 驴Existe un n煤mero de tel茅fono gratuito de atenci贸n al cliente con un amplio horario de atenci贸n?
Divulgaciones
Lenders are required to provide a disclosure form during the application process, loan approval, and after the loan has been finalized. These disclosures provide the details of your loan.
If the loan program you have chosen requires verification of admission, enrollment status, or education costs, please email our financial aid office at vafa@excelsior.edu.
If you have a relationship with bank or credit union you may want to check with them to see what they offer, we will work with you to ensure you are able to use your chosen lender.
Tenga en cuenta que: un prestamista privado puede exigir a usted que presente la solicitud con un cofirmante para cumplir los requisitos de historial crediticio, ingresos y empleo.
- El cofirmante debe firmar el documento del pr茅stamo, pero usted es el prestatario principal.
- Al firmar, el cofirmante se compromete a ser totalmente responsable de la devoluci贸n del pr茅stamo si usted no cumple con sus obligaciones.
- Prep谩rese: vaya a la p谩gina web del prestamista y averig眉e qu茅 informaci贸n tendr谩 que proporcionar su cofirmante antes de que usted lo solicite.
- La solicitud con un cofirmante puede reducir el tipo de inter茅s.
La ayuda federal primero
Private Education Loans are available for those who may not qualify for need-based aid or who may need additional assistance to meet college costs. These loan programs are intended to be used to supplement traditional forms of financial aid. Students should exhaust financial aid options, including federal borrowing options, before requesting a private education loan; Federal loans may provide more favorable terms than a private education loan. Visit to read about Federal vs. Private loans.
Premios privados
Private awards are those a student receives for the purpose funding education-related expenses from a source other than Federal, State, and 精东影业 aid programs.
Students must provide documentation of the source and amount of all private awards to the Financial Aid Office. We are required to include these in the financial aid package. The combination of private award(s) and other financial aid cannot exceed the 精东影业 cost of attendance for the enrollment period covered by the aid package. These awards, in some instances, may reduce eligibility for other sources of funding. We make every effort to minimize any potential impact of private awards on other sources of assistance; therefore, any private award(s) will first be used to offset unmet need and then loan eligibility. Private awards will never impact eligibility for Federal Pell Grants or NYS Tuition Assistance Program (TAP) Grants.
