教育贷款
对很多学生来说, the financial assistance offered by Harvey Mudd includes a loan which is borrowed money that requires re付款 with interest. The education 贷款 provided through our financial aid program offer low interest rates and convenient re付款 terms. 在大多数情况下, you won’t have to start repaying your loan until six to nine months after you graduate. 学生贷款的拖欠率, which is based upon the number of Harvey Mudd students who default on their student 贷款 within the first three years after graduation. Harvey Mudd has a zero percent cohort default rate—a compelling testimony to the affordability of Harvey Mudd 贷款. 太阳2平台2020届毕业生的平均负债为27,647美元.
There are 贷款 for both students and parents that you and your family can take advantage of even if you don’t qualify for need-based aid. 在申请贷款之前, make sure you understand our code of conduct for education 贷款 (see below) and all the issues surrounding loan re付款.
教育贷款行为准则
介绍
The Higher Education Opportunity Act (HEOA) of 2008 requires Harvey Mudd College (HMC) to develop, 发布, 管理, 并执行有关教育贷款活动的行为准则. Education loan activities are associated with any loan originated, certified, 被保险人, 或担保. 这些贷款包括联邦珀金斯贷款计划,威廉D. 福特直接贷款计划(直接贷款), 其中包括直接资助贷款, 直接无补贴贷款, 及直接PLUS贷款(本科生家长贷款), 私人教育贷款. The COC must be 发布ed on HMC’s website and HMC must annually inform all 军官, 员工, 以及承担教育贷款责任的中介.
COC包括:
- 禁止收入分享安排
- 禁止财政援助办公室的员工接受礼物
- 禁止签订合同
- A ban on steering borrowers to particular lenders and a prohibition against delaying loan originations and certifications
- 禁止为私人贷款提供资金
- 禁止人员协助
- 禁止顾问委员会的薪酬
收入分成协议
HEOA defines “revenue-sharing arrangements” as any arrangements between an institution and the lender under which the lender makes education 贷款 to students attending the institution (or the families of those students), 该机构推荐该产品, 作为交换, 贷款人支付费用或提供其他物质利益, 包括收入或利润分成, 给机构或其官员, 员工, 或代理人.
所有的军官, 员工, 或在财政援助办公室或其他地方雇用的HMC代理人, who have direct responsibilities with respect to education 贷款 will not make revenue-sharing arrangements.
礼物
通过定义, 礼物意味着任何小费, 支持, 折扣, 娱乐费用(包括演出费用), 体育赛事, 或酒精饮料), hospitalities (including private parties of select 培训 or conference attendees), 贷款, 货币价值超过名义金额的其他物品. 礼品包括服务, 运输, 住宿, 或者吃饭, 是否以实物提供, 通过购买门票, 预付款, 或在费用发生后报销.
所有的军官, 员工, 或代理人 of Harvey Mudd College (HMC) who are employed in the Office of Financial Aid or otherwise have direct responsibilities with respect to education 贷款 must not solicit or accept any gifts from a lender, 担保机构, 或者贷款服务商.
然而, 军官, 员工, 或代理人 of HMC may accept gifts of nominal value that are offered as a form of marketing, 广告, 或者创造商誉.
标称价值的礼物包括(但不限于)以下内容:
- 提供给公众的有价值的物品(食品、礼品卡等).)
- 财务援助相关软件
- 宣传册, 车间, 或者使用与教育贷款相关的标准材料进行培训, 默认的厌恶, 或者金融知识
- 食物, 培训, or informational material provided as part of a 培训 session designed to improve the service if the 培训 contributes to the professional development of HMC’s 军官, 员工, 或代理人
- Favorable terms and benefits on education 贷款 provided to a student employed by the institution if those terms and benefits are comparable to those provided to all students at HMC
- Entrance and Exit Counseling Sessions as long as the HMC Office of Financial Aid Staff is in control of the counseling and the counseling does not promote the services
- 与教育贷款无关的贷款人的慈善捐款
- State education grants, scholarships, or financial aid funds 管理ed by or on behalf of a state
合同安排
没有警察, 员工, 或代理人 of Harvey Mudd College (HMC) Office of Financial Aid or otherwise have direct responsibilities with respect to education 贷款 may accept from lenders or its affiliates any fee, 付款, or other financial benefit as compensation for any type of contracting arrangements or contract to provide services to or on behalf of lenders relating to education 贷款.
HMC将不签订合同安排, 与出借人或其附属公司合作, to provide services that are related to education 贷款 or 作为交换 for securing education loan applications.
引导借款人和延迟贷款发放/认证
HMC may not steer borrowers to particular lenders and may not refuse to originate/certify or delay loan origination/certification of any education loan.
提供私人贷款的基金
HMC may not request or accept from any private loan lender any offer of funds for private 贷款, 包括机会池贷款的资金, to students 作为交换 for providing concessions or promises to the lender for a specific number of education 贷款 made, 被保险人, 或担保, 指定的贷款额, 或者优先贷款安排,推荐, 促进, 或为贷款人的教育贷款产品背书.
An “opportunity pool loan” is defined as a private education loan made by a lender to a student (or the student’s family) that involves a 付款 by the institution to the lender for extending credit to the student.
HMC will not solicit or accept from any lender an opportunity pool loan 作为交换 for concessions or promises to the lender that Harvey Mudd College will deliver a specified number of 贷款, 贷款数量, 或者优先贷款人安排.
人员协助
Harvey Mudd College (HMC) will not request or accept any assistance with call center staffing or Office of Financial Aid staffing with the exception that may provide professional development 培训, 教育咨询材料, 或者短期招聘服务, 紧急情况或灾害期间的非经常性基础.
“紧急情况”的定义是:
- 国家指定的自然灾害
- 联邦宣布的自然灾害(由 联邦紧急事务管理局 在其网站上)
- 另一局部突发事件或灾害
顾问委员会薪酬
一个军官, 员工, 或HMC财务援助办公室的代理, who has direct responsibilities to education 贷款 may serve on an advisory board, 委员会, 或由出借人成立的集团. 然而, 这个官, 员工, or agent is prohibited from receiving anything of value from the lenders with the exception for reimbursement for reasonable expenses related with participation, 不包括旅行及住宿.
此外, 一个军官, 员工, or agent of HMC may respond to any lender representative who seeks advice from the institution by telephone, 电子, 或者在会议上, 太阳2注册平台为借款人改善产品或服务. 然而, HMC may not accept any gift or compensation for responding (including 运输, 住宿, 或相关费用).
提供资源
- 净价计算器
- 财务援助@ HMC门户
- 录取和经济援助公告
- 可下载的形式
- 握手求职
- CSS档案
- 免费申请联邦学生援助(FAFSA)
- 院校文献服务(IDOC)
- studentaid.政府
- 直接贷款退出咨询
- 直接退出贷款辅导指引(PDF)
- 消费者信息披露
- 外部及私人奖项
- 了解你的经济援助计划(PDF)
- 联邦直接贷款(PDF)
- 联系财政援助
电邮中的个人资料
确保编辑所有个人身份信息(PII), 如, 社会安全号码, 出生日期, 等. 当通过电子邮件发送文档时.