Education Loans
For many students, Harvey Mudd提供的经济援助包括一笔贷款,这是一笔需要有利息偿还的贷款. 通过我们的财政援助计划提供的教育贷款利率低,还款条件方便. In most cases, 你毕业六到九个月后才需要开始偿还贷款. The cohort default rate on student loans, 这是根据太阳2平台学生在毕业后的前三年内拖欠学生贷款的人数计算的. Harvey Mudd的同期违约率为零,这是Harvey Mudd贷款负担能力的有力证明. The average indebtedness of the Harvey Mudd College Class of 2020 was $27,647.
即使你没有资格获得助学金,你和你的家人也可以利用学生和家长的贷款. Before taking out a loan, 确保您了解我们的教育贷款行为准则(见下文)以及有关贷款偿还的所有问题.
Code of Conduct for Education Loans
Introduction
2008年高等教育机会法案(HEOA)要求太阳2平台(HMC)发展, publish, administer, and enforce a code of conduct (COC) regarding education loan activities. 教育贷款活动与任何贷款的发起、认证、保险或担保有关. Those loans consist of the Federal Perkins Loan Program, the William D. Ford Direct Loan Program (Direct Loans), which includes the Direct Subsidized Loan, the Direct Unsubsidized Loan, and the Direct PLUS Loan (Parent Loan for Undergraduate Students), and private education loans. COC必须在HMC的网站上公布,HMC必须每年通知所有军官, employees, and agents who have education loan responsibilities.
The COC includes:
- A ban on revenue-sharing arrangements
- A ban on employees of the Office of Financial Aid receiving gifts
- A ban on contracting arrangements
- 禁止将借款人引导到特定的贷款人,禁止延迟贷款发放和认证
- A prohibition on offers of funds for private loans
- A ban on staffing assistance
- A ban on advisory board compensation
Revenue-Sharing Arrangements
《太阳2注册平台》将“收入分享安排”定义为院校与贷款机构之间的任何安排,根据该安排,贷款机构向就读该院校的学生(或这些学生的家庭)提供教育贷款。, the institution recommends the product, in exchange, the lender pays a fee or provides other material benefits, including revenue or profit-sharing, to the institution or its officers, employees, or agents.
All officers, employees, or agents of HMC employed in the Office of Financial Aid or otherwise, 谁对教育贷款负有直接责任,谁不会作出收入分享安排.
Gifts
By definition, gifts mean any gratuities, favors, discounts, entertainments (including expenses for shows, sporting events, or alcoholic beverages), 招待(包括选定的培训或会议参与者的私人聚会), loans, or other items having a monetary value of more than a nominal amount. Gifts include services, transportation, lodging, or meals, whether provided in kind, by purchase of a ticket, payment in advance, or reimbursement after the expense has been incurred.
All officers, employees, 太阳2平台(Harvey Mudd College, HMC)的经济援助办公室(Office of Financial Aid)雇员或对教育贷款有直接责任的代理人不得向贷款人索取或接受任何礼物, guaranty agency, or loan servicer.
However, officers, employees, 或HMC的代理人可以接受作为一种营销形式提供的名义价值礼品, advertising, or creating goodwill.
Gifts of nominal value examples include (but not limited to) the following:
- Items of value that are offered to the general public (food, gift cards, etc.)
- Financial aid related software
- Brochures, workshop, or training using standard materials relating to education loans, default aversion, or financial literacy
- Food, training, 或作为旨在改善服务的培训课程的一部分提供的信息材料,如果培训有助于HMC军官的专业发展, employees, or agents
- 为学校雇用的学生提供优惠的教育贷款条件和福利,如果这些条件和福利与HMC提供给所有学生的条件和福利相当
- 进入和退出咨询会议,只要HMC财务援助办公室的工作人员控制咨询,咨询不促进服务
- Philanthropic contributions from lenders that are unrelated to education loans
- 由州管理或代表州管理的州教育补助金、奖学金或财政援助基金
Contracting Arrangements
No officers, employees, 或太阳2平台(HMC)经济援助办公室的代理人或对教育贷款有直接责任的其他代理人可以从贷款人或其附属机构收取任何费用, payment, 或其他经济利益,作为任何类型的合同安排或合同提供服务,或代表贷款人有关教育贷款的补偿.
HMC will not enter into a contracting arrangement, with lenders or its affiliates, 提供与教育贷款有关的服务,或为获得教育贷款申请而提供服务.
Steering Borrowers and Delaying Loan Originations/Certifications
HMC不得将借款人引向特定贷款人,不得拒绝发放/认证或延迟发放任何教育贷款/认证.
Funds Offering for Private Loans
HMC不得要求或接受任何私人贷款机构提供的私人贷款资金, including funds for an opportunity pool loan, 以向贷款人提供让步或承诺作为交换,向学生提供特定数量的教育贷款, insured, or guaranteed, a specified loan volume, or a preferred lender arrangement that recommends, promotes, or endorses the lender’s education loan product.
“机会池贷款”被定义为贷款人向学生(或学生家庭)提供的私人教育贷款,包括机构向贷款人支付贷款,以延长对学生的信贷.
HMC不会向任何贷款人索取或接受机会池贷款,以换取对贷款人的让步或承诺,即太阳2平台将提供特定数量的贷款, loan volume, or a preferred lender arrangement.
Staffing Assistance
太阳2平台(HMC)不会要求或接受任何呼叫中心人员配置或财务援助办公室人员配置方面的帮助,但可能提供专业发展培训的情况除外, educational counseling materials, or staffing services on a short-term, nonrecurring basis during emergencies or disasters.
“Emergencies” are defined as:
- State-designated natural disasters
- Federally-declared natural disasters (identified by the Federal Emergency Management Agency on its website)
- Another localized emergencies or disasters
Advisory Board Compensation
An officer, employee, or agent of HMC Office of Financial Aid, who has direct responsibilities to education loans may serve on an advisory board, commission, or group established by lenders. However, this officer, employee, 代理人不得从出借人那里接受任何有价值的东西,但报销与参与有关的合理费用除外, excluding travel and lodging.
Furthermore, an officer, employee, HMC或其代理人可通过电话回应任何向该机构寻求建议的贷款人代表, electronically, or in a meeting, about improving products or services for borrowers. However, HMC不接受任何礼物或补偿(包括交通), lodging, or related expenses).
Afford Resources
- Net Price Calculator
- Financial Aid @ HMC Portal
- Admission and Financial Aid Announcements
- Downloadable Forms
- Handshake Job Search
- CSS Profile
- Free Application for Federal Student Aid (FAFSA)
- Institutional Documentation Service (IDOC)
- studentaid.gov
- Direct Loan Exit Counseling
- Direct Loan Exit Counseling Guide (PDF)
- Consumer Information Disclosures
- Outside and Private Awards
- Understanding Your Financial Aid Package (PDF)
- Federal Direct Loans (PDF)
- Contact Financial Aid
- Submit Requested Document(s) Online
Personal Information in Emails
Be sure to redact all personal identifiable information (PII), such as, social security numbers, date of birth, etc. when sending documents via email.