PREGUNTAS FRECUENTES
Domestic and international Harvard graduate students are eligible to apply for the Harvard Graduate Loan.
As a domestic student, you may need to provide need one form of government-issued identification. Address verification may also be required as part of the application process. If you are a permanent resident, we will also request a copy of your green card.
If you are an international student, required documentation will include a valid passport, and an I-20, DS-2019, or equivalent enrollment verification document. Other documents may be requested depending on individual circumstances.
La cantidad total que los estudiantes de Harvard pueden pedir prestada depende del coste de la asistencia, del límite de préstamo del programa de su escuela y de la certificación de su préstamo por parte de la oficina de ayuda financiera.
No es necesario un cofirmante.
A credit-worthy co-signer that is a U.S Citizen or permanent resident will result in a 0.25% discount on your interest rate.
Un cofirmante puede ser liberado después de 48 meses de pagos puntuales consecutivos. Se requerirá una verificación de crédito en el momento de la liberación.
A credit-worthy U.S Citizen or permanent resident can co-sign an education loan application. By obtaining a co-signer for your loan, you will receive a 0.25% discount on your interest rate.
Su tasa dependerá de la opción de plazo que seleccione para su Préstamo para Graduados de Harvard. Cada opción de plazo nacional e internacional tiene su propia tasa.
You can lower your rate by 0.25% by applying with a qualified co-signer. You can also earn an additional 0.25% interest rate reduction by signing up for automatic recurring payments.
Nota: No hay ninguna obligación de aceptar el préstamo una vez que se solicita y se aprueba. Le animamos a que solicite y evalúe sus opciones antes de tomar una decisión final.
Si su préstamo tiene un tipo de interés fijo, el tipo será el mismo durante toda la vida del préstamo.
Si su préstamo tiene un tipo de interés variable o híbrido, el tipo preferente de Estados Unidos es el índice al que se añade un margen adicional para determinar su tipo. El tipo de interés variable se ajusta trimestralmente si el tipo preferente de Estados Unidos cambia.
While your education loan is deferred during enrollment, simple interest accrues daily on the principal you borrowed. Depending on when you borrowed your loan, you will receive either a six or nine month grace period. After your grace period, the interest that accrued during enrollment capitalizes, which means it is added to the principal and interest then accrues on the entire balance.
Students may choose full deferment while in school or choose to make payments while enrolled. Depending on when your loan was borrowed, you will officially enter repayment six or nine months after you graduate or drop below half-time status, and your full amortized payment will be due each month.
No hay penalización por reembolso anticipado.
All Harvard FCU education loans are serviced by University Accounting Services (UAS). You can read more about UAS, and how to make payments, by visiting Harvard FCU’s Education Loan Repayment webpage.