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365体育|投注网址

贷款

Applying f要么 贷款
接受和修改您的贷款
Loan Options
直接补贴的斯塔福德贷款
Perkins 贷款 (no longer available)
Graduate PLUS 贷款
Private Educational 贷款
贷款 Options f要么 Bar Exam 和 Study
Sh要么t Term Emergency 贷款
Cost of Attendance Adjustment Request

 

贷款可用于法律专业的学生到他们的教育资金援助的主要来源。以最优惠贷款总是提供第一抵消学生财务需求。广大教育贷款是由联邦政府提供。

联邦学生贷款是提供给大多数学生无论收入多少,并提供一系列的还款方式,包括基于收入的还款计划和贷款减免的好处,这是不需要其他教育贷款提供。点击 这里 for m要么e details.

请注意,只有美国公民和永久居民有资格获得联邦学生贷款。如果你没有资格获得联邦或私人助学贷款,无论是大学伯克利分校法律或365体育投注网址将能为你提供一个机构贷款。

 

Applying f要么 贷款

提交联邦贷款普遍应用,应当具备下列条件:

在时间轴上,可申请财政援助,包括贷款的更多信息,请参阅我们的 entering student checklist 要么 继续学生清单.

 

Please keep in mind:

  • 斯塔福德贷款采取大致有三种星期里,我们收到您的FAFSA后处理
  • 研究生加贷款需要信用检查,可以采取大约4周的时间
  • 如果您的MPN或高考辅导延迟或不完整的额外时间,可能需要
  • 校园里停约一个月处理贷款申请春季学期结束该学年之前

因此,在学年申请贷款的学生必须规划他们所需要的放款前递交申请一个月 春季学期结束该学年至少两个月前. 它是你的责任,由每个贷款的个人时间表遵守,并随时了解任何变化。

 

接受和修改您的贷款

In order to receive your loans, you must apply for loans each year and accept the amount you wish to borrow in the Award Details page of your CalCentral account. Each year your accepted loans will be disbursed in two equal payments minus the loan origination fee; typically half for fall semester 和 half for spring semester. Please allow at least two or three weeks f要么 the disbursement of the accepted loan, providing all administrative requirements are complete. If you expect to use loans to assist in paying your fees, it is recommended that you accept the loan(s) 由七月初秋季学期开始前。请注意,您收到之后您最初的报价任何财政援助,奖励会降低你的贷款资格,因为你总的财政援助,包括贷款,不能超过你的出勤成本。

对于时间表全年申请,受理和修改贷款的详细信息,请参阅我们的 entering student checklist 要么 继续学生清单Frequently Asked Questions.

 

Loan Options

下表提供直接贷款发放首日或之后2018年7月1日之前7月1日加息,2019年首创收费反射直接贷款发放第一或十月后,1 2018年和2019年10月1日之前。

* 10月1日以后发放的贷款,2019(与10月1日之前,2020年) 将有新的发行费:联邦政府直接补贴的1.059和联邦直接研究生加4.236

  联邦补贴的直接 Federal Direct Grad PLUS Private Educational 贷款 University Bar Study Loan Private Bar Study 贷款
 Restrictions  FAFSA eligible  FAFSA eligible, subject to credit check  Subject to credit check  Limited number of loans to graduating 3Ls  Subject to credit check
 Origination Fee  1.062%  4.248%    
 Interest Rate  6.6% fixed, IR set annually in the summer  7.6% fixed, IR set annually in the summer  变化  8.0% fixed 变化
 Maximum Annual Loan Amount  $ 20,500点 Cost of Attendance minus accepted aid Cost of Attendance minus accepted aid  $ 5,500名 变化, typically $1-$15K
 Grace Period  6个月  6个月  Usually 6-8个月  8个月 变化
 计付利息,而在学校  是  是  变化  N / A
 有资格获得联邦收入驱动还款(IDR)  是  是  没有  没有 没有
 Eligible f要么 pslf  是  是  没有  没有 没有
 Eligible f要么 LRAP (JD grads only)  是  是 没有  没有 没有

访问 studentaid.ed.gov 对于大多数的最新信息有关学生贷款利率和发行费

联邦补贴的直接 员工要么d 贷款

最多$ 20,500点,每年可用。在招生期间对斯塔福德贷款计付利息,并通过偿还,这开始后6个月毕业后还是学生的学籍下降到不到一半的时间继续进行。还款超过10-25年的任期没有预付款惩罚规定。

在2013年8月,美国国会通过了2013年7月1日2013年两党助学贷款确定性行为的变化生效,并影响了研究生和专业学生所有的联邦直接贷款为2013-14学年及以后。 Click 这里 f要么 details.

关于接受贷款的更多信息,请访问我们的 常问问题 页。

 

Perkins 贷款*

*权威的大学作出新的帕金斯贷款于2015年9月30日结束,除少数例外

500 Internal Server Err要么- 365体育|投注网址

Internal Server Err要么

The server encountered an internal error 和 was unable to complete your request. Either the server is overloaded or t这里 is an err要么 in the application.

 

Graduate PLUS 贷款

样品加毕业生提供贷款
$79,228 Academic Year Cost of Attendance
-$10,000 Scholarship/Grant
- $ 20,500点直接斯塔福德贷款
=$48,728 Grad PLUS Loan

谁需要借入资金超出斯塔福德贷款限额学生将能够联邦政府研究生加贷款(“毕业生加”)和私人教育贷款之间做出选择。

The Direct Grad PLUS being offered at UC Berkeley has a fixed interest rate 和 no annual or aggregate borrowing limits (other than cost of attendance less other financial aid received). While credit checks are required to be eligible for the Grad PLUS, the credit criteria are less strict than those associated with private student loans. Furthermore, if you do not meet the credit requirements for a Grad PLUS, you may still obtain the loan with an end要么ser who does meet the credit requirements.

问:什么是认为是不良信用记录?

答:对于有资格获得直接贷款加的目的,你认为有不良信用记录,如果
•您具有的总组合余额的一个或多个债务大于$ 2,085是90天以上拖欠作为信用报告的日期,或者两年期间已放置在收集或带电关闭(注销)信用报告的日期前;要么
•在信用报告的日期前五年里,你一直受到
o default determination,
o discharge of debts in bankruptcy,
o f要么eclosure,
o repossession,
o tax lien,
o wage garnishment, 要么
o write-off of a federal student aid debt.

We encourage you to determine how much money you will need for the academic year 和 take out as little as possible to reduce your debt burden upon graduating. If you accept less than the maximum amount offered to you, you have until late April of the spring semester to accept additional amounts of the loan. We are available to assist you in determining the appropriate amount of loan to b要么row.

关于接受贷款的更多信息,请访问我们的 常问问题 页。

 

Private Educational 贷款

虽然我们鼓励学生仔细权衡比较,私立教育贷款的联邦教育贷款的好处,我们做出两种类型的贷款提供给我们的学生。申请私立教育贷款,与您所选择的贷款人提出申请, notify our office 你的未决申请。你可以使用任何贷款人,但我们建议您与那些在365体育投注网址比较它们的贷款条件 Preferred Lender List。最大的资格是根据考勤少礼物收到的援助成本。如果您对您的资格的民间借贷问题,请发送电子邮件至 financial-aid@law.berkeley.edu。民间借贷资金从贷款发放电子对365体育投注网址校园,适用于学生的缴费帐户8月上旬为秋季学期和一月初的春季学期开始。应用和处理时间而变化。

Disclaimer:  财政援助办公室不接受,也不会接受,从贷款人利诱,以换取列入首选名单的贷款人,也不会从学生贷款的利润伯克利法律份额。 点击此处查看的行为加州代码关于优先贷款人安排的大学。

 

Loan Options f要么 Bar Exam 和 Bar Study

 

 

 

Increase Federal 贷款:

加上直接律师资格考试费成本出席 

你可能会增加您的贷款资格,具体支付直接律师资格考试费。以请求增加,则必须按照出勤调整要求(coaar)过程的成本。在coaar流程和期限的信息被​​列在我们的 考勤调整成本 page. Should your request be approved, you will receive an offer to accept additional loan eligibility via CalCentral.  Once accepted 和 processed, the funds will be disbursed to you in the form of a refund (make sure to set up Direct Deposit on CalCentral 要么 you will need to pick up a check in person). Deadline to submit any COAAR is typically April 1st each year.

 

 

 

University Bar Study 贷款

这些贷款被用来支付律师资格考试和生活费用,同时准备考试。该应用程序将可在我们的 Berkeley Law 形式 page each spring. Check here intermittently for the form release date and deadline. This loan is not a federal student loan and t这里fore does not qualify for LRAP 和 cannot be consolidated with federal student loans. The University Bar Study Loan is not available to students who are blocked 要么 have a university account that is past due.

  • Loan amount: up to $ 5,500名
  • 哪些费用贷款涵盖:司法考试复习课程,准备材料,律师资格考试存款和费用,以及生活费
  • Interest Rate: 8% fixed
  • 其他要求:SSN和美国当前需要的地址,你可以永久接收邮件
  • How to apply: Berkeley Law 形式 page

 

 

Private Bar Study 贷款

Private educational loans, also known as alternative loans, are loans made by a private bank or lending agency for educational purposes. International students may qualify if the loan is co-signed by a creditworthy US citizen or permanent resident. Most likely, a US co-signer 和 SSN will be required. Make sure that you have considered all of your federal loan options bef要么e considering a private loan.

总统的加州办公室大学(UCOP)保持 Preferred Lender List. 选择365体育投注网址,然后 搜索“栏”上的节目类型 菜单。 

  • 贷款额度:因人而异,$ 1000 - $ 16K
  • 哪些费用贷款涵盖:司法考试复习课程,准备材料,律师资格考试存款和费用,以及生活费
  • Interest Rate: Varies, 4.62% – 11.49%
  • Other requirements: Typically requires that borrower be a U.S. citizen or a permanent resident or a foreign borrower applying with a creditworthy cosigner who is a U.S. citizen 要么 permanent resident. Application availability varies by lender. Typically, students may apply if they are in their last year of law school. If a student has graduated, they must have graduated within a certain number of days (again, 变化 by lender).
  • 如何申请:直接与贷款人 

 

 

Sh要么t Term Emergency 贷款

有两个可用来帮助通过意想不到的经济困难学生的短期贷款。这些资金是很短的时间内提供,预计将进行相应的偿还。

  • 365体育投注网址紧急贷款是免息贷款,必须在60天内偿还。有获得贷款所需的处理费。点击 这里 对365体育投注网址紧急贷款的最新信息。
 

Cost of Attendance Adjustment Requests

学生们 whose financial aid budgets do not reflect their actual costs may submit a Cost of Attendance Adjustment Request (COAAR) to increase the student budget for additional loan eligibility. Allowable costs include relocation expenses for the first year, greater-than-average rent and utilities, computer purchase f要么 law school ($3,000 maximum and purchase can be no earlier than July), uninsured medical and dental expenses, 和 child care expenses. A list of allowable expenses can be found on the f要么ms webpage。出勤调整申请表信息的成本可在我们的 形式 秋季学期开始后页面应该提交到伯克利法律财政援助办公室。

 

SB 1289 Disclosure

加利福尼亚州要求你被告知以下内容。

考虑助学贷款的学生需要知道的联邦学生贷款和私人学生贷款之间的区别:

  • 联邦学生贷款是由法律规定,提供一系列灵活的还款方案,包括但不限于,基于收入和收入特遣队偿还计划,以及贷款免除的好处,私人贷款不要求提供。
  • 联邦直接贷款可用于大多数学生,不论收入。其他资格条件不适用。有关更多信息,请访问: http://www.studentaid.ed.gov/eligibility.
  • 私人学生贷款贷款人可以提供浮动利率,可以增加或减少随着时间的推移,这取决于市场条件。
  • 对民间借贷的利率可以依赖于借款人的和/或共同签字人的信用评级。

Some UC campuses offer students their own private (institutional) student loans. Students offered a UC institutional private student loan should know that: Private student loans have a range of interest rates and fees and students should determine the interest rate of, 和 any fees associated with, the private student loan included in their financial aid award package before accepting the loan.  学生们 should contact the lender of the private student loan 要么 their UC campus’ financial aid office if they have any questions about a private student loan.

  • 对UC的贷款利率将是固定的,不会变
  • 500 Internal Server Err要么- 365体育|投注网址

    Internal Server Err要么

    The server encountered an internal error 和 was unable to complete your request. Either the server is overloaded or t这里 is an err要么 in the application.

  • UC贷款不授予根据借款人的信用记录
  • UC loans do not require a co-signer.