贷款 & 付款方式

With financial aid at Chatham, there are lots of ways to finance graduate school. 在这里,我们和你一起浏览其中的一些.

查塔姆的专业财务援助顾问在这里帮助所有学生了解他们在资助教育方面的选择. Even after you graduate, we are still here to help you with any of your loan repayment questions.  

你有资格吗??

参加查塔姆学院研究生课程但尚未被录取的学生没有资格通过联邦斯塔福德贷款计划获得经济援助. 非学位学生 在必须参加该计划之前,最多可以获得12个学分, at which time they become Degree-Seeking Students eligible for financial aid as noted in the paragraphs above.

国际学生 如果有信誉良好的美国公民作为委托人,他们可以借私人非联邦贷款吗. 

学生们在查塔姆学院注册 认证项目 (教师资格认证项目除外)没有资格通过联邦斯塔福德贷款项目获得经济援助. 然而, they may be eligible for an alternative loan and should contact a financial aid counselor for more information. 

贷款 & 银行

联邦贷款 are available to United States citizens and permanent residents only. In addition to a valid FAFSA students must be enrolled at least part time in a degree seeking program. Federal student loans can only be used for the completion of degree requirements. Federal loans must be repaid, even if 学生 does not graduate, or find employment.

联邦直接无补贴斯塔福德贷款

联邦直接无补贴斯塔福德贷款适用于所有被拒绝或显示减少资格的联邦补贴学生贷款. The Unsubsidized Stafford loan also provides additional loan eligibility to independent students.

While repayment begins six months after graduation or cessation of at least half-time enrollment, 学生 can make interest payments or have the interest capitalized during in-school, 宽限期或延期期. Students must file a Master Promissory Note (MPN) to receive these funds. You do not have to complete a separate MPN for Subsidized and Unsubsidized Stafford 贷款. Your signature on the MPN will remain valid, so you will not need to complete a new MPN annually.

要完成MPN:

  1. 联邦学生援助网站 and click on the green "Sign In" button in the "Manage My Direct Loan" box.
  2. 要登录,您需要使用您的FSA ID登录. 这是您在填写FAFSA时创建的相同ID. Do not create a second FSA ID as the login is associated with your Social Security number.
  3. Once you have signed in, there is a 'Complete MPN' link on the left-hand main menu.
  4. As a borrower, you must also complete Direct Loan 入学咨询. This is an online counseling session that ensures that you understand your rights and obligations as a borrower. 从你的 账户,点击左侧主菜单上的“完成入学咨询”.

联邦毕业生直接贷款

The Federal Direct 研究生 PLUS Loan is a 联邦 loan that is available to graduate students, 并且可以用来支付教育费用. In order to apply for the Federal Direct 研究生 PLUS Loan, you will need to 登录你的账户 并完成直接毕业生PLUS贷款申请. The application is where you specify the dollar amount that you are applying for. 此应用程序还启动信用检查. Once you have logged in, click on the "Request PLUS Loan" link on the left-hand main menu. You will be notified in writing of the results of the credit check by the Direct Loan Servicer. 如果你的信用被批准为PLUS贷款, please complete the Federal Direct 研究生 PLUS Loan Master Promissory Note (MPN). An MPN is a promise to repay document that must be signed before any loan funds can be disbursed. 直接毕业生加贷款MPN可通过点击左侧主菜单上的“完成MPN”链接并选择“毕业生加”贷款类型在线完成. 学生可以借到研究生PLUS贷款,最高可达你的经济援助奖励信中提供的出勤费,减去收到的任何其他援助, 包括斯塔福德贷款.

入学咨询

联邦法规要求所有首次向立博体育官网申请联邦直接贷款的人完成入学咨询. 本次会议的目的是告知所有借款人作为联邦学生贷款借款人的权利和责任. 这个过程, 除了填写完整的主本票(MPN), must be completed before your student loan can be credited to your 账户. 请及时完成此要求,以避免处理延误.

完成入学咨询:

  • 参观 联邦学生援助网站
  • 点击“登录”按钮
  • 使用请求的信息登录
  • 点击“完成咨询”链接
  • 选择“入学辅导”并按照提示操作

Please be sure that you also complete your Master Promissory Note (MPN):

  • 参观 联邦学生援助网站
  • 点击“登录”按钮
  • 使用请求的信息登录
  • 点击“完整主本票”链接
  • Complete your MPN for the loan type that you need (Subsidized/Unsubsidized or PLUS)
  • 请注意,如果您是家长,填写此表格是为了PLUS贷款, 您必须使用您的FSA用户ID登录.

出口咨询

联邦法规要求任何在立博体育官网借入联邦直接贷款的人都要完成一个退出咨询会议. 本次会议的目的是告知所有联邦学生贷款借款人他们的贷款偿还权利和责任. 当你的注册时间少于一半时,这是必需的, 你毕业或退学.

要完成您的退出咨询会议:

  • 参观 联邦学生援助网站
  • 点击“登录”按钮
  • 使用请求的信息登录
  • 点击“完成咨询”链接
  • 选择“退出咨询”并按照提示操作

After exhausting the opportunities available from the 联邦 aid programs, many students will consider private loan programs as a source of funding. As always, taking on debt for any reason should be done deliberately and only for the amounts needed. 有关联邦学生援助的其他信息可从教育部出版物中获得, 联邦援助优先.

The terms and conditions of these credit-based private loan programs vary, 因此, students are encouraged to review the details of the programs before selecting a private loan program. Private loans are not eligible for loan consolidation programs made available for 联邦 student loans. 利率, 费用(借款和还款时的费用), 信用检查, and annual and aggregate loan limits require careful evaluation by 学生 as a consumer.

作为申请过程的一部分, 学生将被要求填写“私人教育贷款申请人自我证明表格”,该表格可通过贷款人网站或下载 PDF格式在此. Information needed to complete this form, such as cost of attendance, may be 这里获得, while estimated financial assistance may be obtained from 学生’s Financial 援助 Award Letter.

如何选择私人贷款机构

开始

私人贷款是通过贷款人提供资金的, 选择贷款人是一个重要的决定——它涉及到一项财务义务,这将是你未来许多年生活的一部分. Picking a lender can seem like a daunting task, but it doesn't have to be. 你可以选择任何你喜欢的教育贷款机构. 记住,首先要利用你的联邦贷款选择.

以下是继续参与私人贷款项目的贷款机构的历史名单,以及过去三年内立博体育官网学生使用过的贷款机构. 大学不认可任何贷款人. 你可以选择任何你喜欢的教育贷款机构.

历史贷款人名单

对经济援助要有一定的了解,并做好调查

Before you apply for the loan you will want to make sure you have done your research. 在申请贷款之前,你应该了解以下贷款条款的定义:

  • 主本票: 这是你和贷款人之间的协议,当你毕业或兼职状态下降时,你将重新支付这笔钱. 这是一份法律合同. 请留一份作记录.
  • 利率: The interest rate for the Stafford loan, Perkins loan and Plus loans are fixed. 对于私人贷款,利率会有所不同. 虽然你可能会在贷款人的网站上看到低利率,但要记住,低利率可能取决于贷款人的福利计划的资格.
  • 贷款费用: Some lenders will charge you an origination fee to use them as a lender while others will not. Remember that no origination fees do not save you any money in repayment, 但你会提前收到更多的钱.
  • 减低使用自动付款的利率: Some lenders will reduce your interest rate if you repay your loan through pre-scheduled automatic bank debits. Although the reduction in interest rate varies, the reduction is typically 0.25%.
  • 伦敦同业拆借利率(Libor): 用于私人学生贷款的术语. 这是伦敦银行同业拆借利率的三个月平均值. LIBOR is the average interest rate paid on deposits of US dollars in the London market. APR - the Annual Percentage Rate, a rate that factors in the interest rate, fees, and other terms.
  • ': 最优惠贷款利率公布于 《立博体育官网》. 这是银行向信誉最好的客户收取的利率.
  • 贷款限制: The aggregate loan limit for the Stafford loan is specific to the type of student you are. For private loans, the aggregate limit is based on each lender's terms. This is the maximum you can borrow per year, as well as your entire time in school.
  • 还款条款: 这是你必须偿还贷款的时间.
  • 推迟选项: If you need to postpone making payments, you can take advantage of deferment and forbearance options. 打电话给你的贷款人了解更多信息.

知道该问什么问题,该寻找什么

你可能想问的一些问题是:

  1. 在延期期间,你们多久将利息资本化一次?
  2. 你的还款福利是什么? 有多少借款人能享受到这些福利啊?
  3. What do I have to do to receive these benefits and how are the benefits lost?
  4. 如果我借10美元,在我的大学生涯中,我得到了6000美元的收入,并且享受了所有这些福利, what will be the total dollar amount I will owe by the end of my 10 year repayment?
  5. 如果我借10美元,在我的大学生涯中,我的薪水达到了5000美元,但我没有得到任何这些福利, what will be the total dollar amount I will repay by the end of my repayment?
  6. 你有出售贷款的历史吗?
  7. 你从事私人贷款有多久了?
  8. 你们提供什么样的债务管理教育?
  9. 当我打电话时,我能多快和真人通话? 我要等多久?
  10. Is the lender able to provide insight and borrower education from pre-enrollment through repayment?

接下来会发生什么?

You have selected a lender, now it is time to apply using their website! Did you know that peak processing begins before school starts in the fall? 我们的示例时间表将指导您完成贷款流程.

私人学生贷款:
4月/ 5月 -为你的贷款人货比三家.
6月 -在贷方网站上填写申请/本票. Please note, at that time your co-signer must also complete his/her portion of the application. 在完成申请后的4-5天内跟进你的贷款人. This is the time to verify that your application is complete and that no further information is required. (Common missing items include a copy of a driver's license, pay stub, or co-signer signature.)
7月 - The lender will then notify the financial office office will begin the process of certifying your student loan.
August-September - The lender will electronically send the loan funds to Chatham University.

Please note that individual loan providers have their own applications and timelines. 计划在帐单到期日期前至少45天提出申请.

Borrowers may compare lender discounts and other borrower benefits with the following loan comparison tools:

Chatham University adheres to the Financial 援助 Code of Conduct based on the Higher Education Opportunity Act of 2008:

财政援助人员 members are responsible for adhering to principles of good practice as mandated by state, 联邦, 以及制度规定, 包括道德操守政策. 财政援助人员, 还有军官, 受托人, 立博体育官网的员工在为立博体育官网做出经济援助决定时,必须遵守以下专业标准.

  • 不要为了他或她的个人利益而采取任何行动.
  • 不要采取任何他或她认为违反法律的行动, 监管, 或者他或她所服务的学生和家长的最大利益.
  • 确保他或她提供的信息是准确的, 无偏见的, and does not reflect any preference arising from actual or potential personal gain.
  • 在作出决定和建议立博体育官网与任何实体的关系涉及任何方面的经济援助是客观的.
  • Refrain from soliciting or accepting anything of other than nominal value from any entity involved in the making, 持有, 巩固, 或者处理学生贷款, including anything of value (including reimbursement of expenses) for serving on an advisory body. 这包括, 但不限于, 旅行之类的礼物, 酒店或汽车旅馆住宿, 娱乐, 餐厅吃饭, 办公用品, 还有活动门票.
  • 以立博体育官网规定的方式披露, any involvement with or interest in any entity involved in any aspect of student financial aid.
  • Institutional award notifications and/or other institutionally provided materials shall include the following:
    1. A breakdown of the individual components of the institution's Cost of Attendance, 指定所有可能的收费.
    2. 明确每项奖励的标识,表明援助的类型.e. 赠予援助(助学金、奖学金)、工作或贷款.
    3. 标准术语和定义.
    4. 每个奖项的续期要求.
  • 所有必需的消费者信息都显示在立博体育官网网站和任何印刷材料的显著位置, 容易识别和找到, 并标注为“消费者信息”."
  • Refrain from discussing options for or recommending any lender for private loans.
Chatham University does not participate in any preferred lender arrangements or preferred lender lists for private loans. Students have the right and ability to use the lender of their choice for their private loan.

付款方式

立博体育官网接受现金支付学费, 支票或汇票,收款人为立博体育官网, 或信用卡(万事达卡), 签证, 美国运通, 和发现). Payments may be made online or at the Student Accounts Office in person, by mail, or by phone. 学生也可以通过学生门户网站在线支付. There is a 2% processing fee on the total payment amount for all credit card transactions. This is true for payments completed on the portal as well as in the office. Credit Cards accepted are MasterCard, 签证, Discover and 美国运通. 重要的是要记住你, 学生, 谁最终负责支付你的学生账户. 
 

我们很高兴地宣布,我们已经采用了一种新的解决方案,让您通过选择门户网站上的VeriCheck付款选项,通过电子支票提交付款. This option allows you to avoid the 2% processing fee but still have the convenience of paying online.

公司报销计划

The 公司报销计划 is offered for students who work for an employer who offers tuition reimbursement. 该计划允许学生推迟支付其教育费用的报销部分,直到学期结束后30天. Students are required to submit a completed 企业付款选择 Application & 雇主出具的合同和信件,证明雇佣关系和参加公司学费报销计划的资格. 任何未包括在学费报销范围内的金额,必须按照立博体育官网的标准支付政策支付. Company reimbursement may be counted as a financial aid resource for students receiving financial aid assistance. Applications for this program must be received by the close of the add/drop period.

发还计划表格

UPMC学费提升

UPMC学费提升 is a special program for employees of the University of Pittsburgh Medical Center (UPMC). Students must first submit the completed 企业付款选择 Application & 合同,以便收到特殊的UPMC发票. The student submits this invoice to the UPMC Employee Service Center along with the required UPMC advancement application. 员工服务中心将处理晋升申请,并向学生提供一份写明晋升金额的晋升信. The student then submits the advancement letter to Chatham as a form of payment. 然后,立博体育官网将向UPMC收取所有预付款. 任何未包括在学费垫付范围内的金额必须按照立博体育官网的标准支付政策支付. 学费 advancement may be counted as a financial aid resource for students receiving financial aid assistance. Applications for this program must be received by the close of the add/drop period.

UPMC学费预支员工申请

学费减免计划

学费减免计划是为在立博体育官网企业支付选项列表中工作的学生提供的,并且已经签订了合作协议. Upon receipt of a completed DocuSign application and employment/partnership verification letter or proof of membership, a 20% tuition discount will be applied to 学生 账户 after add/drop period. Students already receiving discounted tuition are not eligible for an additional 20% discount. Applications for this program must be received by the close of the add/drop period.

学费减免申请

如何申请

申请其中一种机构付款方式, 请填写正确的文件签名,并附上雇主所要求的付款方式所需的所有文件.  收到您填妥的DocuSign后, 立博体育官网将审核你的申请,如果他们需要额外的文件,他们会联系你. Please remember that this process must be completed for every semester attended. 所有折扣将在添加/删除期后添加. 

问题?

All questions should be directed to The Office of Student Accounts at 412-365-2719 or student账户s@hoosierscabinet.net.

学费分期付款计划 provide options to finance charges without interest over the course of the year or term. 下面的每个计划都有一次性的25美元.00美元的申请费,在登记加入计划时支付. Chatham University uses ECSI to process and maintain both of our 学费分期付款计划.

年(10个月)分期付款计划: 该计划在秋季和春季学期期间提供十笔等额的剩余余额(除经济援助外). 每月分期付款从7月开始,一直持续到4月.

分期付款计划(4个月): 该计划在秋季或春季学期期间提供四次剩余余额支付(经济援助后). 秋季学期的付款从7月开始,到10月结束. 春季学期的付款从12月开始,到3月结束. 

Please contact the Office of Student Accounts for additional information regarding the 学费 Installment Plan Options.
装饰图片阅读立博体育官网

联系财政援助

如果你对经济援助有疑问, please contact the Office of Financial 援助 located at Braun Hall on the 立博网站中文版.
工作时间:周一至周五上午8点.m. 到5点.m.
电话:412-365-2781
传真:412-365-1871
电子邮件经济援助

装饰图片阅读立博体育官网

联络学生帐户

如果你对学生账户有疑问, please contact the Office of Student Accounts located at Braun Hall on the 立博网站中文版.
工作时间:周一至周五上午8点.m. 到5点.m.
电话:412-365-2719
传真:412-365-1834
电子邮件学生帐户