The University of Winnipeg

US Student Aid

Types of Loans

US students attending the University of Winnipeg may apply for the following loans:

如果您要申请上述任何资金，请完成并提交您计划参加的会议的温尼伯大学贷款申请：亚愽国际app下载

Important Documents & Tax Information for US Direct Loan Lenders

Tuition Tax Receipts

As an eligible educational institution, we can only provide Canadian federal (T2202) tax receipts. If you are filing taxes in the US you can use the information on the T2202, along with other expenses as can be identified on WebAdvisor. Go to Student Finance Admin. -> Account Summary -> Select each Term and detail into the various sections for invoice and charge details. Some additional charges are eligible for US taxes such as student association fees and course material costs that are billed by the University. There may be other expenses that are eligible, therefore you should consult with the IRS or their websites for further information. UWinnipeg’s IRS number is 98-1209275.

FAFSA（直接贷款）概述

在完成联邦贷款（FAFSA）申请之前，您需要确定您是否是依赖or anindependentapplicant as this will establish which loan types and amounts you are eligible to borrow.

定义如下，但是如果您的情况不寻常，您需要建议，请给美国贷款管理员Dan Bailey发送电子邮件，da.bailey@uwinnipeg.ca.

Independent

出于联邦援助的目的，如果学生符合以下一个或多个标准，则将其视为独立：

  • The student is at least 24 years old by 31 December of the award year;
  • 该学生是法院的孤儿或病房，或者是法院的病房/依赖者，直到他或她18岁；
  • 该学生是美国武装部队的资深人士。
  • 在FAFSA完成的奖励年度开始时，该学生正在研究硕士或博士学位课程；
  • The student is married as of the date the FAFSA is completed;
  • The student has at least one child who receives more than half of his or her support from the student; and/or
  • 除了配偶或子女以外，学生有一个依赖的人，他们与学生住在一起，并在FAFSA完成时从学生那里获得了一半以上的支持，并在奖励年度的6月30日之前获得了。

Dependent

The student is considered dependent if they do not meet any of the above criteria for an independent student.

Federal Loan types

Direct Subsidized Loan

Direct Unsubsidized Loan

Parent PLUS Loan

Who is eligible?

大多数美国公民（或合格的非公民）在合格的本科课程上。可用于表现出经济需求的抚养和独立学生。

大多数美国公民（或合格的非公民）在合格的本科课程上。可用于抚养和独立学生。不是基于财务需求。

父母(biological, adoptive, or in some cases, stepparent) of dependent undergraduate students on eligible courses. Both the parent and the student must be eligible for federal student aid. A credit check is required.

Interest Rate

Undergraduate Studies: 4.53% for loans first disbursed on or after 1 July 2019 and prior to 1 July 2020.

Undergraduate Studies: 4.53% for loans first disbursed on or after 1 July 2019 and prior to 1 July 2020.

Graduate Studies: 6.08% for loans first disbursed on or after 1 July 2019 and prior to 1 July 2020.

7.08％的贷款首先在2019年7月1日或在2020年7月1日之前支付。

How do repayments work?

只要您注册了合格的课程，就无需付款或付款。

只要您注册了合格的课程，就不需要付款。在您学习的同时，利息会产生。

不需要支付,只要学生enrolled on an eligible course at least half-time. Interest accrues whilst studying.

还款何时开始？

通常在课程完成后六个月（称为“宽限期”）或您的半场时间不到一半。

通常在课程完成后六个月（称为“宽限期”）或您的半场时间不到一半。

Repayment period begins on the date of the final disbursement. Unless you receive a deferment or forbearance, the first payment will be due within 60 days of the final disbursement date.

Release of FAFSA US Loan Funds:

  • Funds cannot be released to first-time loan borrowers until they've attended at least 30 days of school.
  • US loan funds are sent directly from the US Treasury to The University of Winnipeg in two installments – 50% at the start of the session and 50% at the mid-point of the session.
  • The funds are converted into Canadian dollars and applied directly to your student account. This process takes 1-2 weeks.
  • If a credit results on your student account after the required tuition fees are paid in full, you will receive a refund cheque in Canadian dollars. You can use these funds towards your living and books and supplies costs. The cheque issuing process takes 2-4 weeks.

Fall/Winter Disbursement Example:

Fall term:50% of your total US Direct Loan funds are released. Returning Borrowers: September 3. First-time Borrowers: October 3.

  1. If a credit balance is on your account after Fall term fees have been paid in full and Fall/Winter term fees have been at least half paid for, a refund cheque in Canadian dollars will be issued to you. You will be contacted once the refund cheque is available for pick up.
  2. 符合条件的退货借款人的退款支票将大约在10月中旬至下旬提供。对于合格的首次借款人，将大约在10月下旬或11月初进行退款支票。

冬季学期：The remaining 50% of your total US Direct Loan funds are released. All Borrowers: January 6.

  1. If a credit balance is on your account after Winter term and Fall/Winter term fees have been paid in full, a refund cheque in Canadian dollars will be issued to you. You will be contacted once the refund cheque is available for pick up
  2. Refund cheques for all eligible borrowers will be available early to mid-February approximately.

注意：您不得有资格获得每个学期或根本没有资格退款。

直接贷款s

Eligibility

除了在Federal Student Aid网站，您还必须：

  • Be enrolled full-time (in at least 9 credit hours per term)
  • Make satisfactory academic progress during your program
  • Be a US citizens or permanent residents
  • Not register in certificate, diploma, online courses or any nursing program

More information about these criteria is provided below.

Enrolment

  • You must remain enrolled at least 9 credit hours per term at the University of Winnipeg.
  • 如果您暂停，撤回或降至每学期9个学分以下，您must contact theAwards and Financial Aid office立即地。

Ineligible courses

大学在某些课程中向学生提供联邦贷款资金的能力受到限制。不合格的课程包括那些不到一半的课程，而不是学位的课程，包括任何在线元素或涉及远程学习。参加不合格课程的学生可能有资格获得私人资金。

Satisfactory academic progress (SAP)

The University's SAP policy applies to all students taking federal loans at the University of Winnipeg, specifically Direct Subsidized, Direct Unsubsidized, Sallie Mae and Parent PLUS loans. It applies to all federal loan recipients, including undergraduates, part-time and full-time students. SAP is assessed as follows:

  • Qualitative standard (grades):Students must achieve minimum standards as required by the academic department and supervisor, equivalent to a 2.0 grade, and academic standing consistent with graduation requirements.
  • Quantitative standard (pace):Students must progress through their course at a pace which ensures that they will graduate within the maximum timeframe. The maximum timeframe for completion is 150% of the standard, published timeframe for a course, e.g., 4.5 years for a 3-year BA/BSc, and 6 years for a 4-year BA/BSc. Students must also be studying full-time in order to be eligible for federal loans.

贷款类型

基于财务需求的贷款

  • 补贴贷款，至少在学校或延期期间您在学校时不会产生利息。量is determined by annual loan limits and the loan calculation: cost of attendance minus estimated financial contribution and financial aid received.

Non-financial need-based loans

  • Unsubsidized loans - low-cost, fixed-rate federal student loans.
  • Parent Plus loans - parents of dependent undergraduate students can borrow the Parent PLUS Loan to help their children pay for college or career school. The Parent PLUS Loan offers a fixed interest rate and flexible loan limits. NOTE: If the parent of a dependent undergraduate is denied a PLUS loan, the student is eligible for an additional unsubsidized loan amount.

贷款金额和限额

The US Direct Loan Program has annual as well as lifetime loan limits that vary according to a student's:

  • Grade level
  • 状态(或independe的依赖nt)
  • Loan type: need-based (subsidized) or non-need based (unsubsidized and PLUS)
  • 出勤成本（学生不能借用超过此金额）

年度贷款限额：

依赖的学生1

独立学生2

1st-year undergraduate

$5,500 (max. $3,500 subsidized)

$9,500 (max. $3,500 subsidized)3

2nd-year undergraduate

$ 6,500（最多4,500美元补贴）

$10,500 (max. $4,500 subsidized)

3rd and 4th-year undergraduate

$7,500 (max. $5,500 subsidized)

$ 12,500（最多$ 5,500补贴）

Lifetime limits for US Direct Loans

年级/状态

汇总（终生）贷款限额

Dependent Undergraduate Student

$ 31,000（不超过23,000美元的补贴）

独立的本科生或依赖的本科生，父母不符合Plus的资格

$57,500 (no more than $23,000 may be subsidized)

如何申请

所需的申请过程和文件根据您申请的美国政府贷款的类型而有所不同。

Applying for a Direct Loan:

  1. Complete aFree Application for Federal Student Aid (FAFSA)适用的学年。
  2. e-sign a主期票（MPN）
  3. Complete the UW application for US Loans.
  4. 直接贷款的第一次学生借款人必须完成Entrance Counseling. If Entrance Counseling is not completed, loans are not disbursed.

父母加贷款s

概述

  • The U.S. Department of Education is your loan lender.
  • You must not have an adverse credit history. If you have an adverse credit history, please see theinformation form here.
  • The maximum loan amount you are eligible for is the cost of attendance (determined by University of Winnipeg Awards and Financial Aid) minus any other financial aid received

How do I apply?

付款和资金

  • The interest rate for the Parent Plus loan is 7.08%. There is a loan fee on all Direct PLUS Loans. The fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. The percentage varies depending on when the loan is first disbursed, as shown in the chart below.

首先支出日期

On or after Oct 1, 2018,
and before Oct. 1, 2019

4.248%

On or after Oct 1, 2019,
and before Oct. 1, 2020

4.236%
  • Funds are dispersed to the Awards and Financial Aid office and are used to pay outstanding tuition and fees costs. Any extra funds are provided to you for additional education expenses，例如生活成本，书籍和用品。
  • 一旦您的资金分散到奖项和经济援助办公室，您的贷款服务商将与您联系。通常，一旦您的贷款分散，您通常会被要求开始付款。
  • 关于在FAFSA网站上找到的有关还款计划的信息.

如何完成父母加贷款

  1. Complete aFree Application for Federal Student Aid (FAFSA)适用的学年。
  2. 完成贷款申请以授权信用检查ande-sign a主期票（MPN）atStudentloans.gov.

信用检查: should a Direct PLUS loan credit check be denied due to adverse credit history, the borrower may:

  • secure an approved endorser (who must pass the credit check), or
  • appeal the decision based on extenuating circumstances

在上述任何一种情况下，都需要申请人（不是代理人）才能完成咨询。这与入学咨询不同。

Contact the Awards and Financial Aid office at The University of Winnipeg.

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