医学院连贷款都是市场运作的?

The Department of Education administers several loan programs for which medical students may be eligible. The majority of these programs are authorized under Title IV of the Higher Education Act (HEA). The Health Resources and Services Administration (HRSA) coordinates student loans for health professions students, including the Primary Care Loan (PCL), which is authorized under Title VII of the Public Health Service Act.

The Affordable Care Act (ACA, P.L. 111-148 and P.L. 111-152) includes legislative recommendations from the president’s FY 2011 budget request. ACA eliminates the Federal Family Education Loan (FFEL) program and originates all Stafford loans under the Direct Loan program beginning July 1, 2010.  FFEL Stafford loans with a partial di*****ursement issued prior to July 1, 2010, will continue as FFEL loans.  The law provides $50 million in FY 2010 to the Department of Education for the technical assistance of institutions in the transition to Direct lending. A primary concern among the financial aid community is the quality of customer service that will be offered by the Department of Education considering the expected substantial increase in Direct Loan volume. 

Direct Stafford Loans: The Department of Education offers unsubsidized Stafford loans for graduate/professional students that have better interest rates and loan terms than many private loans. Stafford loans for graduate/professional students have a fixed 6.8 percent interest rate. Students are not required to make payments while in school, but interest accrues on unsubsidized Stafford loans during that period. Unsubsidized Stafford loans for Health Professions Students are limited to $40,500 annually. The Budget Control Act of 2011 (BCA, P.L. 112-25) eliminated subsidized Stafford loan for graduate/professional students, which will increase repayment for medical students between $10,000 and $20,000 over the life of their loans.

On April 14, 2008, the Department of Education (ED) issued a Dear Colleague letter (GEN-08-04) that raises the combined aggregate Stafford loan limit for certain health professions students (including medical students) from $189,125 to $224,000. This increase in unsubsidized Stafford loans will allow medical students to borrow at a 6.8 percent interest rate, avoiding higher rates under the GradPLUS and private loans. The increase comes in response to a September 4, 2007, AAMC-coordinated sign-on letter from almost 60 health professions organizations to then Secretary of Education Margaret Spellings. The Secretary originally announced the Department's decision in a February 2008 letter to AAMC President and CEO Darrel G. Kirch, M.D.

GradPLUS Loans: Graduate students may also take out GradPLUS loans, which are unsubsidized loans with a fixed 7.9 percent interest rate. GradPLUS loans are limited to the total Cost of Attendance as determined by the institution.

Perkins Loan Program: A Perkins Loan is a low interest (5 percent) loan for undergraduate and graduate students with "exceptional" financial need. The Department of Education provides a programmed amount of funding to the participating institution. In turn, the school determines which students have the greatest need. The school combines federal funds with some of its own funds for loans to qualifying students. Perkins Loans do not have origination fees and carry a longer Grace period (9 months) then other federal loans. Financial need is determined by a standard formula using information from the Free Application for Federal Student Aid (FAFSA) and the student's expected family contribution (EFC).

HRSA Primary Care Loan: Medical students interested in primary care are eligible for the HRSA Primary Care Loan (PCL) program. The PCL offers a 5 percent interest rate to students who agree to train and practice in primary care until the loans are paid off (capped at 10 years). Students who fail to complete the service requirement will revert to a 7 percent interest rate.

Contact

Matthew Shick, J.D.
Senior Legislative Analyst, Government Relations
Telephone: [phone]
E-mail: [e-mail]

For non-legislative questions contact AAMC FIRST:
Financial Information Resources Services and Tools
E-mail: [e-mail]

所有跟帖： 

• 你仔细读读里面的数据，7%的利率还不是市场利率吗？2010年的房贷利率低于4%. -edison11- ♂ (0 bytes) () 04/09/2014 postreply 10:39:23

• 市场利率 =/= 市场运作 -career- ♂ (325 bytes) () 04/09/2014 postreply 16:24:16