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Federal Student Aid                 連邦学生支援
An Office of the U.S. Department of Education   アメリカ教育省

Federal student loans for college or career school are an investment in your future.
You must repay your loan, so be sure you understand your options and responsibilities.


If you apply for financial aid, you may be offered loans as part of your school’s financial aid offer. A loan is money you borrow and must pay back with interest. 


If you decide to take out a loan, make sure you understand who is making the loan and the terms and conditions of the loan. 


Student loans can come from the federal government or from private sources such as a bank or financial institution. Loans made by the federal government, called federal student loans, usually offer borrowers lower interest rates and have more flexible repayment options than loans from banks or other private sources. Learn more about the differences between federal and private student loans. 


What types of federal student loans are available?


The U.S. Department of Education’s federal student loan program is the William D. Ford Federal Direct Loan (Direct Loan) Program. Under this program, the U.S. Department of Education is your lender. 

There are four types of Direct Loans available:


• Direct Subsidized Loans are loans made to eligible undergraduate students who demonstrate financial need to help cover the costs of higher education at a college or career school. 

「Direct Subsidized Loan---奨励金付きローン」は、大学や専門学校の学費補助の審査を受ける資格を持つ大学生のためのものです。

• Direct Unsubsidized Loans are loans made to eligible undergraduate, graduate, and professional students, but in this case, the student does not have to demonstrate financial need to be eligible for the loan.

「Direct Unsubsidized Loans ---奨励金が付かないローン」は、大学生、院生、高等資格を得ることのできる学部の学生(医学部、薬学部、法学部など通常6年以上の在籍が必要な学生)が受ける資格を得るものです。このケースでは学生はローン審査はありません。

• Direct PLUS Loans are loans made to graduate or professional students and parents of dependent undergraduate students to help pay for education expenses not covered by other financial aid.


• Direct Consolidation Loans allow you to combine all of your eligible federal student loans into a single loan with a single loan servicer.


Compare all of the federal student loans.


How much money can I borrow in federal student loans?


It depends on whether you’re an undergraduate student, a graduate or professional student, or a parent.


• If you are an undergraduate student, you can borrow up to $5,500 or $12,500 per year in Direct Subsidized Loans and Direct Unsubsidized Loans depending on certain factors, including your year in college.


• If you are a graduate or professional student, you can borrow up to $20,500 each year in Direct Unsubsidized Loans. Direct PLUS Loans can also be used for the remainder of your college costs not covered by other financial aid. Note: A credit check is required for a PLUS loan.


• If you are a parent of a dependent undergraduate student, you can receive a Direct PLUS Loan for the remainder of your child’s college costs not covered by other financial aid. Note: A credit check is required for a parent loan.


日本の学費ローンの仕組みはアメリカの場合と全く異なっています。比較してどちらが優れているかということはできないので、日本の学費ローンの仕組みを、知りたくなったらここを開いて見てね。     ↓

MisTy's Englishラボは、入院中や自宅療養中で、学校に行けない生徒を支援しています。お問い合わせください。 → MisTy's Englishラボへ。



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