¡El programa de préstamos para graduados de Harvard está diseñado específicamente para estudiantes de Harvard y ofrece nuestras tarifas más competitivas! Si está inscrito al menos a medio tiempo en un programa de grado elegible en una de las escuelas que se enumeran a continuación, este programa es para usted. Si no ve su escuela en la lista a continuación, visite nuestra página de Préstamos Flex para Graduados .

Please note that Executive Education programs offered through HBS and HKS, and programs offered through HBS Online are not eligible for funding under the Harvard Graduate or Flex Graduate Loan programs.

Una relación de confianza.

Harvard FCU is proud to offer favorable loan options for Harvard graduate students. We strive to make your time at Harvard stress-free, by helping to meet your funding needs and simplifying the loan repayment process. You focus on your studies, and we’ll be here to alleviate your financial worries!

Note: You should only apply for a loan you intend to borrow. Harvard FCU notifies the Harvard Financial Aid Office of any applications received, and they may expect the disbursement of funds. Should you have other funds to pay for your education, and need to obtain financial certification, you can easily open a Harvard FCU bank account remotely. For information, please visit harvardfcu.org/international.

The application for the 2024-2025 academic year is now available! 

The application for the 2023-2024 academic year will remain open until June 30, 2024.

Seleccione su escuela:

Límites de los préstamos

Escuela de Negocios de Harvard
- El importe máximo del préstamo es el coste de la asistencia menos otras ayudas recibidas (sin superar los 90.000 dólares anuales)
- Candidatos a un título conjunto: HBS certifica los préstamos de acuerdo con la política de HBS para los términos académicos cuando HBS determina su paquete de ayuda financiera

Nota: Si solicita financiación después de que finalice el año académico, comuníquese con la Oficina de Ayuda Financiera antes de enviar su solicitud para determinar su elegibilidad.

Información de contacto de la escuela:
Escuela de Negocios de Harvard
Carretera Soldiers Field
Centro Spangler
Boston, MA 02163-1303

Servicios de ayuda financiera del MBA
finaid@hbs.edu
Teléfono 617-495-6640
Fax 617-496-3991

 

Características principales

• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.25% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• Harvard FCU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)

 

Tarifas y términos del programa
Término Tipo de tarifa Tarifa1 APR1
tan bajo como
Est. Pago mensual
5 años Fijo 7.50 % 6.59% $267.83
10 años Fijo 7.75 % 6.95% $161.02
15 años Fijo 8.00 % 7.26% $128.80

 

Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.

 

Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.

1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 48 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for having a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. Harvard FCU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.

Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.25%. Other assumptions include 4 years in school, and a 9-month grace period. Borrowing $10,000 at 7.25% and 5 year term, results in 6.59% APR, monthly payment of $267.83, finance charge of $6,069.80 and total repayment of $16,069.80. Due to the in-school and grace period, the APR is lower than the interest rate.

2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Account Service (UAS). Payment must be set-up from a U.S. bank account. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. Harvard FCU reserves the right to change rate discounts at any time.

3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.

4. PRIME RATE. All current Harvard FCU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.

5. MEMBRESÍA. La membresía en la Cooperativa de Crédito requiere un depósito mínimo de $5 en una Cuenta de Ahorros de Acciones. Los prestatarios de préstamos educativos deben ser el titular principal de la cuenta para cumplir con el requisito de membresía.

Estudiantes de JD

Límites de los préstamos

  • El importe mínimo del préstamo es de 1.000 dólares
  • El máximo anual para 2023-2024 es de $111,000
  • The annual maximum for 2024-2025 is $116,000

Note: JD students should not apply before June 1st.

Información de contacto de la escuela:
HLS JD Student Financial Services
Attn: JD Financial Aid
Wasserstein Hall Suite 5027
1585 Massachusetts Avenue
Cambridge, MA 02138

Servicios financieros para estudiantes
sfs@law.harvard.edu
Teléfono 617-495-4606



 

Estudiantes de LLM/SJD

Límites de los préstamos

- El importe mínimo del préstamo es de 1.000 dólares
- Para conocer los límites de los préstamos para estudiantes de LLM/SJD, póngase en contacto con el Programa de Posgrado de la HLS

Información de contacto de la escuela:
Oficina de Admisiones y Ayuda Financiera (LLM/SJD)
Wasserstein Hall Suite 5005
Wasserstein Hall Suite 5027
1585 Massachusetts Avenue
Cambridge, MA 02138

Servicios financieros para estudiantes
gpquery@law.harvard.edu
Teléfono 617-496-8214



 

Características principales

• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.25% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• Harvard FCU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)

 

Tarifas y términos del programa
Término Tipo de tarifa Tarifa1 APR1
tan bajo como
Est. Pago mensual
5 años Fijo 7.50 % 6.59% $267.83
10 años Fijo 7.75 % 6.95% $161.02
15 años Fijo 8.00 % 7.26% $128.80

Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.

 

Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.

1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 48 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for having a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. Harvard FCU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.

Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.25%. Other assumptions include 4 years in school, and a 9-month grace period. Borrowing $10,000 at 7.25% and 5 year term, results in 6.59% APR, monthly payment of $267.83, finance charge of $6,069.80 and total repayment of $16,069.80. Due to the in-school and grace period, the APR is lower than the interest rate.

2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Account Service (UAS). Payment must be set-up from a U.S. bank accont. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. Harvard FCU reserves the right to change rate discounts at any time.

3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.

4. PRIME RATE. All current Harvard FCU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.

5. MEMBRESÍA. La membresía en la Cooperativa de Crédito requiere un depósito mínimo de $5 en una Cuenta de Ahorros de Acciones . Los prestatarios de préstamos educativos deben ser el titular principal de la cuenta para cumplir con el requisito de membresía.

Límites de los préstamos

Escuela de Medicina de Harvard

  • Programa de maestría: el monto máximo del préstamo se basa en el costo de asistencia menos otras ayudas, sin exceder los $25,000. Es posible que se le apruebe condicionalmente una cantidad mayor si solicita más de $25,000; sin embargo, la Oficina de Ayuda Financiera ajustará esta cantidad para que no exceda los $25,000 cuando certifiquen su préstamo.
  • Programa MD: el monto máximo del préstamo se basa en el costo de asistencia menos otra ayuda, sin exceder los $75,000.
  • Los solicitantes interesados deben hablar con un oficial de ayuda financiera de HMS antes de solicitar este préstamo.

Información de contacto de la escuela:
Escuela de Medicina de Harvard
25 Shattuck Street Rm 211
Boston, MA 02115-6092

financial_aid@hms.harvard.edu
Teléfono 617-432-0449
Fax 617-432-4308



 

Características principales

• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.25% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• Harvard FCU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)

 

Tarifas y términos del programa
Término Tipo de tarifa Tarifa1 APR1
tan bajo como
Est. Pago mensual
5 años Fijo 7.50 % 6.59% $267.83
10 años Fijo 7.75 % 6.95% $161.02
15 años Fijo 8.00 % 7.26% $128.80

Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.

 

Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.

1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 48 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for having a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. Harvard FCU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.

Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.25%. Other assumptions include 4 years in school, and a 9-month grace period. Borrowing $10,000 at 7.25% and 5 year term, results in 6.59% APR, monthly payment of $267.83, finance charge of $6,069.80 and total repayment of $16,069.80. Due to the in-school and grace period, the APR is lower than the interest rate.

2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Account Service (UAS). Payment must be set-up from a U.S. bank account. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. Harvard FCU reserves the right to change rate discounts at any time.

3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.

4. PRIME RATE. All current Harvard FCU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023

5. MEMBRESÍA. La membresía en la Cooperativa de Crédito requiere un depósito mínimo de $5 en una Cuenta de Ahorros de Acciones. Los prestatarios de préstamos educativos deben ser el titular principal de la cuenta para cumplir con el requisito de membresía.

Límites de los préstamos

Escuela de MedicinaDental de Harvard
- Por favor, póngase en contacto con la Oficina de Ayuda Financiera de HSDM para conocer su límite de préstamo.

Información de contacto de la escuela:
Escuela de Medicina Dental de Harvard
188 Longwood Avenue
Boston, MA 02115-5888

Gardner Key
Director de Ayuda Financiera
gardner_key@hsdm.harvard.edu
Teléfono 617-432-1527
Fax 617-432-3881



 

Características principales

• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.25% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• Harvard FCU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)

 

Tarifas y términos del programa
Término Tipo de tarifa Tarifa1 APR1
tan bajo como
Est. Pago mensual
5 años Fijo 7.50 % 6.59% $267.83
10 años Fijo 7.75 % 6.95% $161.02
15 años Fijo 8.00 % 7.26% $128.80

Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.

 

Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.

1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 48 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for having a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. Harvard FCU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.

Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.25%. Other assumptions include 4 years in school, and a 9-month grace period. Borrowing $10,000 at 7.25% and 5 year term, results in 6.59% APR, monthly payment of $267.83, finance charge of $6,069.80 and total repayment of $16,069.80. Due to the in-school and grace period, the APR is lower than the interest rate.

2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Account Service (UAS). Payment must be set-up from a U.S. bank account. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. Harvard FCU reserves the right to change rate discounts at any time.

3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.

4. PRIME RATE.All current Harvard FCU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023

5. MEMBRESÍA. La membresía en la Cooperativa de Crédito requiere un depósito mínimo de $5 en una Cuenta de Ahorros de Acciones. Los prestatarios de préstamos educativos deben ser el titular principal de la cuenta para cumplir con el requisito de membresía.

Límites de los préstamos

Harvard Graduate School of Education

HGSE students, domestic or international, may borrow through the Harvard FCU Graduate Student Lending Program.

  • The annual maximum for the 2023-2024 academic year is $20,500.
  • The annual maximum for the 2024-2025 academic year is $25,000.

Información de contacto de la escuela:
Escuela de Postgrado de Educación de Harvard
13 Appian Way
Longfellow 11
Cambridge, MA 02138-3752

finaid@gse.harvard.edu
Teléfono 617-495-3416
Fax 617-496-0840



 

Características principales

• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.25% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• Harvard FCU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)

 

Tarifas y términos del programa
Término Tipo de tarifa Tarifa1 APR1
tan bajo como
Est. Pago mensual
10 años Fijo 7.75 % 7.25% $143.20
15 años Fijo 8.00 % 7.54% $114.20

Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.

 

Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.

1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 24 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. Harvard FCU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.

Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.25%. Other assumptions include 2 years in school, and a 9-month grace period. Borrowing $10,000 at 7.50% and 10 year term, results in 7.25% APR, monthly payment of $143.20, finance charge of $7,184.00 and total repayment of $17,184.00. Due to the in-school and grace period, the APR is lower than the interest rate.

2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Account Service (UAS). Payment must be set-up from a U.S. bank account. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. Harvard FCU reserves the right to change rate discounts at any time.

3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.

4. PRIME RATE. All current Harvard FCU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023

5. MEMBRESÍA. La membresía en la Cooperativa de Crédito requiere un depósito mínimo de $5 en una Cuenta de Ahorros de Acciones. Los prestatarios de préstamos educativos deben ser el titular principal de la cuenta para cumplir con el requisito de membresía.

Límites de los préstamos

Escuela de Salud Pública T.H. Chan de Harvard

  • El monto máximo del préstamo para solicitantes nacionales es el costo de asistencia menos otras ayudas recibidas, sin exceder los $65,000 al año.
  • Per SPH policy, international students without a cosigner may borrow $25,000 through this program for the 2023-2024 academic year, and $30,000 for the 2024-2025 academic year. With a creditworthy U.S. cosigner, the maximum loan amount is the cost of attendance less other aid received, not exceeding $40,000 annually.
  • Si aún no lo ha hecho, y es un estudiante internacional, debe rellenar el formulario de solicitud de préstamo privado preliminar para notificar a la Oficina de Ayuda Financiera su decisión de pedir un préstamo.

Información de contacto de la escuela:
Escuela de Salud Pública T.H. Chan de Harvard
677 Huntington Avenue
Boston, MA 02115-6096

financialaid@hsph.harvard.edu
Teléfono 617-432-1867
Fax 617-432-5431



 

Características principales

• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.25% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• Harvard FCU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)

 

Tarifas y términos del programa
Término Tipo de tarifa Tarifa1 APR1
tan bajo como
Est. Pago mensual
10 años Fijo 7.75 % 7.25% $143.20
15 años Fijo 8.00 % 7.54% $114.20

Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.

 

Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.

1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 24 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. Harvard FCU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.

Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.25%. Other assumptions include 2 years in school, and a 9-month grace period. Borrowing $10,000 at 7.50% and 10 year term, results in 7.25% APR, monthly payment of $143.20, finance charge of $7,184.00 and total repayment of $17,184.00. Due to the in-school and grace period, the APR is lower than the interest rate.

2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Account Service (UAS). Payment must be set-up from a U.S. bank account. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. Harvard FCU reserves the right to change rate discounts at any time.

3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.

4. PRIME RATE. All current Harvard FCU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023

5. MEMBRESÍA. La membresía en la Cooperativa de Crédito requiere un depósito mínimo de $5 en una Cuenta de Ahorros de Acciones. Los prestatarios de préstamos educativos deben ser el titular principal de la cuenta para cumplir con el requisito de membresía.

Límites de los préstamos

Harvard Graduate School of Design
• International and domestic GSD students can borrow up to a maximum annual loan amount of $15,000, depending on year in school, given the borrowed amount fits within the student’s budget (COA minus other aid).

Información de contacto de la escuela:
Escuela de Diseño de Harvard
48 Quincy Street
422 Gund Hall
Cambridge, MA 02138-3000

financial_aid@gsd.harvard.edu
Teléfono 617-495-5455
Fax 617-495-8949



 

Características principales

• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.25% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• Harvard FCU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)

 

Tarifas y términos del programa
Término Tipo de tarifa Tarifa1 APR1
tan bajo como
Est. Pago mensual
10 años Fijo 7.75 % 7.25% $143.20
15 años Fijo 8.00 % 7.54% $114.20

Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.

 

Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.

1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 24 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. Harvard FCU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.

Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.25%. Other assumptions include 2 years in school, and a 9-month grace period. Borrowing $10,000 at 7.50% and 10 year term, results in 7.25% APR, monthly payment of $143.20, finance charge of $7,184.00 and total repayment of $17,184.00. Due to the in-school and grace period, the APR is lower than the interest rate.

2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Account Service (UAS). Payment must be set-up from a U.S. bank account. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. Harvard FCU reserves the right to change rate discounts at any time.

3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.

4. PRIME RATE. All current Harvard FCU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023

5. MEMBRESÍA. La membresía en la Cooperativa de Crédito requiere un depósito mínimo de $5 en una Cuenta de Ahorros de Acciones. Los prestatarios de préstamos educativos deben ser el titular principal de la cuenta para cumplir con el requisito de membresía.

Límites de los préstamos

Escuela de Artes y Ciencias de Harvard

  • The annual maximum for HGSAS students is $30,000 for the Harvard FCU Graduate Student Loan
  • Límite total de por vida de la GSAS: 60.000 dólares
  • GSAS does not allow for the Harvard FCU loan to be used for U.S. Visa financial certification for PhD students
  • GSAS allows for the Harvard FCU loan to be used for U.S. Visa financial certification for master’s degree students
  • Los estudiantes que tengan dudas sobre la elegibilidad pueden ponerse en contacto con el servicio de ayuda financiera de la GSAS para obtener ayuda

Información de contacto de la escuela:
Escuela de Artes y Ciencias de Harvard
Oficina de Ayuda Financiera
1350 Massachusetts Avenue
Smith Campus Center 350
Cambridge, MA 02138-3654
Teléfono 617-495-5315



 

Características principales

• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.25% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• Harvard FCU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)

 

Tarifas y términos del programa
Término Tipo de tarifa Tarifa1 APR1
tan bajo como
Est. Pago mensual
10 años Fijo 7.75 % 7.25% $143.20
15 años Fijo 8.00 % 7.54% $114.20

Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.

 

Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.

1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 24 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. Harvard FCU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.

Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.25%. Other assumptions include 2 years in school, and a 9-month grace period. Borrowing $10,000 at 7.50% and 10 year term, results in 7.25% APR, monthly payment of $143.20, finance charge of $7,184.00 and total repayment of $17,184.00. Due to the in-school and grace period, the APR is lower than the interest rate.

2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Account Service (UAS). Payment must be set-up from a U.S. bank account. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. Harvard FCU reserves the right to change rate discounts at any time.

3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.

4. PRIME RATE. All current Harvard FCU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023

5. MEMBRESÍA. La membresía en la Cooperativa de Crédito requiere un depósito mínimo de $5 en una Cuenta de Ahorros de Acciones. Los prestatarios de préstamos educativos deben ser el titular principal de la cuenta para cumplir con el requisito de membresía.

Límites de los préstamos

Escuela Kennedy de Harvard
- El importe máximo del préstamo para los solicitantes nacionales es el coste de la asistencia menos otras ayudas recibidas, sin superar los 65.000 dólares anuales.
- Según la política de HKS, los estudiantes internacionales pueden pedir un préstamo de 20.000 dólares sin un cofirmante solvente de nacionalidad estadounidense o residente permanente. Con un cofirmante estadounidense solvente, el importe máximo del préstamo es el coste de la asistencia menos otras ayudas recibidas, sin exceder los 50.000 dólares anuales.

Información de contacto de la escuela:
Escuela de Gobierno John F. Kennedy
79 Calle John F. Kennedy
(Ubicación de la oficina: 124 Mt. Auburn Street, Suite 165)
Cambridge, MA 02138
Teléfono 617-495-1155
Correo electrónico: admisionesandaid@hks.harvard.edu



 

Características principales

• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.25% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• Harvard FCU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)

 

Tarifas y términos del programa
Término Tipo de tarifa Tarifa1 APR1
tan bajo como
Est. Pago mensual
10 años Fijo 7.75 % 7.25% $143.20
15 años Fijo 8.00 % 7.54% $114.20

Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.

 

Los términos y Condiciones aplican. Para calificar, un prestatario debe ser aceptado o inscrito en una escuela de posgrado elegible de Harvard al menos a tiempo parcial y debe cumplir con todos los requisitos de suscripción y documentos requeridos. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar una evaluación de la OFAC y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.

1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 24 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. Harvard FCU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.

Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.25%. Other assumptions include 2 years in school, and a 9-month grace period. Borrowing $10,000 at 7.50% and 10 year term, results in 7.25% APR, monthly payment of $143.20, finance charge of $7,184.00 and total repayment of $17,184.00. Due to the in-school and grace period, the APR is lower than the interest rate.

2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Account Service (UAS). Payment must be set-up from a U.S. bank account. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. Harvard FCU reserves the right to change rate discounts at any time.

3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.

4. PRIME RATE. All current Harvard FCU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023

5. MEMBRESÍA. La membresía en la Cooperativa de Crédito requiere un depósito mínimo de $5 en una Cuenta de Ahorros de Acciones. Los prestatarios de préstamos educativos deben ser el titular principal de la cuenta para cumplir con el requisito de membresía.