| Credit Hours in Fall | Subsidized Loan Amount | Unsubsidized Loan Amount | Total Loan Amounts Combined |
| 0 to 5 | $0 | $0 | $0 |
| 6 | $1,375 | $500 | $1,875 |
| 7 | $1,604 | $583 | $2,188 |
| 8 | $1,833 | $667 | $2,500 |
| 9 | $2,063 | $750 | $2,813 |
| 10 | $2,292 | $833 | $3,125 |
| 11 | $2,521 | $917 | $3,438 |
| 12 | $2,750 | $1,000 | $3,750 |
| 13 | $2,979 | $1,083 | $4,063 |
| 14 | $3,208 | $1,167 | $4,375 |
| 15 | $3,438 | $1,250 | $4,688 |
| 16 | $3,667 | $1,333 | $5,000 |
| 17 | $3,896 | $1,417 | $5,313 |
| 18 | $4,125 | $1,500 | $5,625 |
| 19 | $4,354 | $1,583 | $5,938 |
| 20 | $4,583 | $1,667 | $6,250 |
Federal Student Loans
Federal Student Loans
To apply for a Federal Loan, a student must submit a FAFSA (Free Application of Federal Student Aid). Based on a student’s FAFSA report, 财政援助办公室将确定学生和他或她的父母有资格获得贷款的最高金额和类型.
在满足所有必要条件之前，贷款资金不能发放. If all requirements have not been completed, loan amounts will not be applied to the student’s Fisk bill. 在菲斯克门户网站接受贷款后，如果需要对贷款进行任何更改，您必须使用适当的贷款申请和调整表格通知财务援助办公室.
Federal Direct Loans
联邦直接学生贷款计划包括有补贴贷款和无补贴贷款. 联邦直接学生贷款的偿还可以在学生半日制或全日制在校期间延期. 学生必须在离校6个月后开始偿还贷款，或在半学期后开始偿还贷款.
联邦直接补贴贷款是根据证明的经济需要发放的. 只要学生在大学注册至少一半的时间，利息就由联邦政府支付. 利息将在离开学校六个月后开始累积，同时偿还.
联邦直接无补贴贷款的发放与学生的实际需求无关. Interest begins accruing from the date of disbursement. 通过在校期间支付利息，学生可以避免将利息资本化. When interest is capitalized, 它被添加到贷款的本金中，进一步的利息费用是根据本金计算的.
To view the current interest rates and fees visit the studentaid.gov.
贷款比例影响申请毕业的获得联邦直接补贴和无补贴贷款的本科生.
联邦法规要求学校按比例提供联邦直接贷款 graduating undergraduate students 最后入学时间少于一学年的. 贷款限额比例决定了学生在最后学习期间可以根据他们所获得的学位借入的最高贷款金额.
Graduating undergraduate students who are only attending one semester 学生的联邦直接贷款将根据他们注册的学时数按比例分配.
注:研究生和专业学生不受贷款比例要求的限制.
Loan Proration Amount Chart
下面的图表提供了考虑到注册时数的贷款比例估计, degree type, and dependency status as defined by the student’s FAFSA. Other factors considered are annual loan limits, lifetime amounts used, the Expected Family Contribution (EFC) from the FAFSA, and other aid awarded. 分配将在毕业学期的第一个预定支付日期之前进行.