{"id":6609,"date":"2019-10-10T15:44:24","date_gmt":"2019-10-10T19:44:24","guid":{"rendered":"https:\/\/www.ucf.edu\/financial-aid\/?page_id=6609"},"modified":"2022-11-16T09:29:12","modified_gmt":"2022-11-16T14:29:12","slug":"loans","status":"publish","type":"page","link":"https:\/\/www.ucf.edu\/financial-aid\/types\/loans\/","title":{"rendered":"Loans"},"content":{"rendered":"\t\t\t<div class=\"container my-4 my-sm-5\"\n\t\t\t\t\t\t>\n\t\t\t\t\n<p class=\"lead\">Loans are a form of financial aid that must be paid back with interest. Student loans can come from the federal government, private banks or other organizations. Before you decide to take out a loan, make sure you understand who is offering the loan and what the terms and conditions are.<\/p>\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"container\"\n\t\t\t\t\t\t>\n\t\t\t\t\n\t\t\t<div class=\"row\"\n\t\t\t\t\t\t>\n\t\t\t\t\n\t\t\t<div class=\" col-lg-7\"\n\t\t\t\t\t\t>\n\t\t\t\t\n<section id=\"federal-direct\" class=\"auto-section\" data-section-link-title=\"Federal Direct Loans\">\n<h2>Federal Direct Loans<\/h2>\n<p>The University of Central Florida participates in the Federal Direct Loan Program. Under the Direct Loan Program, all funding comes directly from the U.S. Department of Education rather than a bank or financial institution. The U.S. Department of Education will be the one source for lending and repayment.<\/p>\n<p>Direct Loans are low-interest educational loans administered through the U.S. Department of Education, which consist of the following:<\/p>\n\t\t\t<ul class=\"nav flex-column align-items-start\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\n\t\t\t<li class=\"nav-item \"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<a class=\"nav-link \"\n\t\t\thref=\"https:\/\/www.ucf.edu\/financial-aid\/types\/loans\/stafford\/\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\tFederal Direct Stafford Loan\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\n\t\t\t<li class=\"nav-item \"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<a class=\"nav-link \"\n\t\t\thref=\"https:\/\/www.ucf.edu\/financial-aid\/types\/loans\/parent-plus\/\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\tFederal Direct Parent PLUS Loan\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\n\t\t\t<li class=\"nav-item \"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<a class=\"nav-link \"\n\t\t\thref=\"https:\/\/www.ucf.edu\/financial-aid\/types\/loans\/grad-plus\/\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\tFederal Direct Grad PLUS Loan\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\n\t\t\t<\/ul>\n\t\t\n<\/section>\n<section id=\"optional-private\" class=\"auto-section\" data-section-link-title=\"Optional\/Private Loans\">\n<h2 class=\"mt-4 pt-4\">Optional\/Private Loans<\/h2>\n<p>Optional or Private Loans can vary in terms, conditions and eligibility requirements. For these reasons, Optional Loans should be considered as a last resort for educational purposes after all other federal aid options have been exhausted.<\/p>\n<p><a href=\"https:\/\/www.ucf.edu\/financial-aid\/types\/loans\/optional-private\/\">Optional\/Private Loans<\/a><\/p>\n<\/section>\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"mt-4 mt-lg-0 col-lg-4 offset-lg-1\"\n\t\t\t\t\t\t>\n\t\t\t\t\n\t<aside role=\"note\" class=\"spotlight spotlight-square\">\n\t\t\t\t\t<a href=\"https:\/\/www.ucf.edu\/financial-aid\/document\/loan-comparison-chart\/\" class=\"spotlight-block-link d-block hover-parent text-decoration-none\">\n\t\t\t\t\t<div class=\"media-background-container bg-default d-flex flex-column text-center p-4\" style=\"min-height: 20rem;\">\n\t\t\t\t<noscript><img decoding=\"async\" width=\"767\" height=\"767\" src=\"https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid.jpg\" class=\"media-background object-fit-cover wp-post-image\" alt srcset=\"https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid.jpg 767w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid-300x300.jpg 300w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid-150x150.jpg 150w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid-400x400.jpg 400w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid-360x360.jpg 360w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid-575x575.jpg 575w\" sizes=\"(max-width: 767px) 100vw, 767px\"><\/noscript><img decoding=\"async\" width=\"767\" height=\"767\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%20767%20767%22%3E%3C%2Fsvg%3E\" class=\"media-background object-fit-cover wp-post-image lazyload\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%20767%20767%22%3E%3C%2Fsvg%3E 767w\" sizes=\"(max-width: 767px) 100vw, 767px\" data-srcset=\"https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid.jpg 767w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid-300x300.jpg 300w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid-150x150.jpg 150w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid-400x400.jpg 400w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid-360x360.jpg 360w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid-575x575.jpg 575w\" data-src=\"https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/compare-financial-aid.jpg\">\n\t\t\t\t\n\t\t\t\t<div class=\"spotlight-copy font-sans-serif text-inverse\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t<div class=\"spotlight-btn-wrapper font-sans-serif mt-auto pt-5\">\n\t\t\t\t\t<div class=\"spotlight-btn btn btn-primary btn-sm p-3\">\n\t\t\t\t\t\tCompare Loan Options\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/a>\n\t\t\t<\/aside>\n<br \/>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n<section id=\"federal-direct-faqs\" class=\"auto-section\" data-section-link-title=\"Loan FAQS\">\t\t\t<div class=\"jumbotron jumbotron-fluid bg-faded my-4 my-sm-5\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\n\t\t\t<div class=\"container\"\n\t\t\t\t\t\t>\n\t\t\t\t\n<h2 class=\"mb-4\">Loan FAQs<\/h2>\n<p>\t\t<div class=\"ucf-faq-list ucf-faq-list-classic\">\n\t\t\t\t\t\t\t\t\t<div class=\"d-flex mb-4 flex-column\">\n\t\t\t\t<a href=\"https:\/\/www.ucf.edu\/financial-aid\/question\/how-much-should-i-borrow-so-that-i-know-i-can-afford-to-pay-it-back\/\" class=\"ucf-faq-question-link collapsed d-flex\"  data-toggle=\"collapse\" data-target=\"#post62342797165512\" aria-expanded=\"false\">\n\t\t\t\t\t<div class=\"ucf-faq-collapse-icon-container mr-2 mr-md-3\">\n\t\t\t\t\t\t<span class=\"ucf-faq-collapse-icon\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<strong class=\"ucf-faq-question align-self-center mb-0 h5\">\n\t\t\t\t\t\tHow much should I borrow so that I know I can afford to pay it back?\t\t\t\t\t<\/strong>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"ucf-faq-topic-answer collapse ml-2 ml-md-3 mt-2\" id=\"post62342797165512\">\n\t\t\t\t\t<div class=\"card text-secondary\">\n\t\t\t\t\t\t<div class=\"card-block\">\n\t\t\t\t\t\t\t<p>Planning ahead is essential to managing debt. If you plan to borrow each year you are in school, estimate the total amount you will borrow. Then use the <a href=\"https:\/\/studentaid.gov\/aid-estimator\/\" target=\"_blank\" rel=\"noopener\">Federal Student Aid Estimator<\/a> to estimate how much federal student aid the student may be eligible to receive. Then decide how much to borrow, you can use the criteria lenders use when they consider an applicant\u2019s ability to repay.<\/p>\n<p>The total monthly payment for all debts should not exceed 8% of your gross monthly salary.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex mb-4 flex-column\">\n\t\t\t\t<a href=\"https:\/\/www.ucf.edu\/financial-aid\/question\/should-i-consolidate-my-loans-if-i-borrowed-from-more-than-one-loan-program-may-i-consolidate-my-payments-how-and-when-can-i-apply-to-consolidate-which-loans-can-be-consolidated\/\" class=\"ucf-faq-question-link collapsed d-flex\"  data-toggle=\"collapse\" data-target=\"#post62302797165512\" aria-expanded=\"false\">\n\t\t\t\t\t<div class=\"ucf-faq-collapse-icon-container mr-2 mr-md-3\">\n\t\t\t\t\t\t<span class=\"ucf-faq-collapse-icon\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<strong class=\"ucf-faq-question align-self-center mb-0 h5\">\n\t\t\t\t\t\tShould I consolidate my loans? If I borrowed from more than one loan program, may I consolidate my payments? How and when can I apply to consolidate? Which loans can be consolidated?\t\t\t\t\t<\/strong>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"ucf-faq-topic-answer collapse ml-2 ml-md-3 mt-2\" id=\"post62302797165512\">\n\t\t\t\t\t<div class=\"card text-secondary\">\n\t\t\t\t\t\t<div class=\"card-block\">\n\t\t\t\t\t\t\t<p>For answers about consolidation, please visit <a href=\"https:\/\/studentaid.gov\/loan-consolidation\/\" target=\"_blank\" rel=\"noopener\">studentaid.gov\/loan-consolidation<\/a>.<\/p>\n<p>You may also call 1-800-557-7392 to speak to a representative about loan consolidation.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex mb-4 flex-column\">\n\t\t\t\t<a href=\"https:\/\/www.ucf.edu\/financial-aid\/question\/what-if-my-educational-or-career-plans-change-or-something-happens-after-im-out-of-school-and-working\/\" class=\"ucf-faq-question-link collapsed d-flex\"  data-toggle=\"collapse\" data-target=\"#post62332797165512\" aria-expanded=\"false\">\n\t\t\t\t\t<div class=\"ucf-faq-collapse-icon-container mr-2 mr-md-3\">\n\t\t\t\t\t\t<span class=\"ucf-faq-collapse-icon\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<strong class=\"ucf-faq-question align-self-center mb-0 h5\">\n\t\t\t\t\t\tWhat if my educational or career plans change, or something happens after I\u2019m out of school and working?\t\t\t\t\t<\/strong>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"ucf-faq-topic-answer collapse ml-2 ml-md-3 mt-2\" id=\"post62332797165512\">\n\t\t\t\t\t<div class=\"card text-secondary\">\n\t\t\t\t\t\t<div class=\"card-block\">\n\t\t\t\t\t\t\t<p>A change in career goals, the loss of a job, or other unexpected changes in your situation could make repaying your loan more difficult than you expected. In some cases, and at the lender\u2019s option, you may be permitted to temporarily stop making your payments, or your lender may accept smaller payments than scheduled. This is called a forbearance. In addition, for some loans, you may defer repayments temporarily which may help. The promissory note outlines the specific terms under which you may be granted a deferment. Contact your loan servicer if you think you may need to make arrangements. To view your servicer\u2019s contact information, please visit visit <a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noopener\">StudentAid.gov<\/a>.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex mb-4 flex-column\">\n\t\t\t\t<a href=\"https:\/\/www.ucf.edu\/financial-aid\/question\/where-can-i-find-information-about-the-interest-rates-for-federal-direct-loans\/\" class=\"ucf-faq-question-link collapsed d-flex\"  data-toggle=\"collapse\" data-target=\"#post62262797165512\" aria-expanded=\"false\">\n\t\t\t\t\t<div class=\"ucf-faq-collapse-icon-container mr-2 mr-md-3\">\n\t\t\t\t\t\t<span class=\"ucf-faq-collapse-icon\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<strong class=\"ucf-faq-question align-self-center mb-0 h5\">\n\t\t\t\t\t\tWhere can I find information about the interest rates for Federal Direct Loans?\t\t\t\t\t<\/strong>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"ucf-faq-topic-answer collapse ml-2 ml-md-3 mt-2\" id=\"post62262797165512\">\n\t\t\t\t\t<div class=\"card text-secondary\">\n\t\t\t\t\t\t<div class=\"card-block\">\n\t\t\t\t\t\t\t<p>The Federal Government sets the interest rate July 1st of each year.<\/p>\n<p>The interest rates are the same for Stafford Loans in the Federal Direct Loan Program and FFELP, but the Direct Loan Program offers lower interest rates in the PLUS and Grad PLUS programs.<\/p>\n<p>For interest rates, please refer to the\u00a0<a href=\"https:\/\/studentaid.gov\/understand-aid\/types\/loans\/interest-rates\" target=\"_blank\" rel=\"noopener\">Federal Student Aid Interest Rates<\/a> website and the <a href=\"https:\/\/www.ucf.edu\/financial-aid\/document\/loan-comparison-chart\/\" target=\"_blank\" rel=\"noopener\">Loan Comparison Chart<\/a>.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex mb-4 flex-column\">\n\t\t\t\t<a href=\"https:\/\/www.ucf.edu\/financial-aid\/question\/where-can-i-go-to-see-my-loan-history\/\" class=\"ucf-faq-question-link collapsed d-flex\"  data-toggle=\"collapse\" data-target=\"#post62292797165512\" aria-expanded=\"false\">\n\t\t\t\t\t<div class=\"ucf-faq-collapse-icon-container mr-2 mr-md-3\">\n\t\t\t\t\t\t<span class=\"ucf-faq-collapse-icon\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<strong class=\"ucf-faq-question align-self-center mb-0 h5\">\n\t\t\t\t\t\tWhere can I go to see my loan history?\t\t\t\t\t<\/strong>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"ucf-faq-topic-answer collapse ml-2 ml-md-3 mt-2\" id=\"post62292797165512\">\n\t\t\t\t\t<div class=\"card text-secondary\">\n\t\t\t\t\t\t<div class=\"card-block\">\n\t\t\t\t\t\t\t<p>Visit <a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noopener\">studentaid.gov<\/a> to view which company is currently servicing your loans and their contact information.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex mb-4 flex-column\">\n\t\t\t\t<a href=\"https:\/\/www.ucf.edu\/financial-aid\/question\/what-happens-if-i-dont-pay-back-my-loan\/\" class=\"ucf-faq-question-link collapsed d-flex\"  data-toggle=\"collapse\" data-target=\"#post62242797165512\" aria-expanded=\"false\">\n\t\t\t\t\t<div class=\"ucf-faq-collapse-icon-container mr-2 mr-md-3\">\n\t\t\t\t\t\t<span class=\"ucf-faq-collapse-icon\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<strong class=\"ucf-faq-question align-self-center mb-0 h5\">\n\t\t\t\t\t\tWhat happens if I don\u2019t pay back my loan?\t\t\t\t\t<\/strong>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"ucf-faq-topic-answer collapse ml-2 ml-md-3 mt-2\" id=\"post62242797165512\">\n\t\t\t\t\t<div class=\"card text-secondary\">\n\t\t\t\t\t\t<div class=\"card-block\">\n\t\t\t\t\t\t\t<p>Not paying back your student loan can have serious consequences. If you go into default your lender can require you to repay the entire amount immediately, including all interest plus collection and late payment charges. The lender can sue you and can ask the federal government for help in collecting from you. The Internal Revenue Service may withhold your income tax refund and apply it toward your loan. You cannot receive any additional federal student aid until you make satisfactory arrangements to repay your loan. Your grades and official transcripts will be held until you resolve the default status. Also, the lender may notify credit bureaus of your default. This may affect your credit rating which will make it difficult to obtain credit cards and car loans in the future.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<a href=\"https:\/\/www.ucf.edu\/financial-aid\/faq\/\" class=\"btn btn-primary mt-4\">View All FAQs<\/a>\n\t\t\t<br \/>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n<\/section>\n<section id=\"nslds\" class=\"auto-section\" data-section-link-title=\"Loan History\">\t\t\t<div class=\"container mb-5\"\n\t\t\t\t\t\t>\n\t\t\t\t\n<h2>How to View Your Loan History<\/h2>\n<p><a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noopener\">StudentAid.gov<\/a> is the U.S. Department of Education\u2019s secure central database for student aid, where students can view:<\/p>\n<ul>\n<li>Federal student loan history<\/li>\n<li>Summary of Disbursed Federal Student Loans<\/li>\n<li>Total amount borrowed<\/li>\n<li>Contact Information of Lenders and Loan Servicers<\/li>\n<\/ul>\n<p>It is the student\u2019s responsibility to keep track of all federal student loans borrowed using <a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noopener\">StudentAid.gov<\/a>, including Federal Stafford, Perkins, PLUS and Grad PLUS loans. <a href=\"https:\/\/www.ucf.edu\/financial-aid\/types\/loans\/optional-private\/\" target=\"_blank\" rel=\"noopener\">Optional\/Private loan<\/a> history is not stored on <a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noopener\">StudentAid.gov<\/a>.<\/p>\n<p>In order to log on to the <a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noopener\">StudentAid.gov<\/a> website, students will need to provide the Social Security number (SSN), the first two letters of the last name, the date of birth, and the PIN. Students who do not remember their PIN may request a duplicate from the official PIN site.<\/p>\n\t\t\t<\/div>\n\t\t\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":5679,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-fullscreen.php","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-6609","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Loans | UCF Office of Student Financial Assistance<\/title>\n<meta name=\"description\" content=\"Loans are a form of financial aid that must be paid back with interest. 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