Before you borrow
借钱支付教育费用是一项巨大的责任. All loans borrowed must be repaid; regardless of your academic or professional success. If you default, you risk ruining your credit, 哪些会给你带来长达10年的负担，并会影响你获得信贷的能力, housing, insurance, or even employment. Thus, we urge you to borrow only as much as you absolutely need, which may not be your full cost of attendance (COA). 学生贷款有不同的利率和期限，这可能会影响你在贷款期间要支付的总金额. 一般来说，还款在你完成学业后开始.
在每个贷款期间，您的借款不得超过COA. 即使贷款机构批准的学生贷款金额超过了就读费用, 经济援助办公室只能证明与你的总COA相同的最大金额. Consumer or other personal debt (credit cards, mortgages, car payments, legal fees, family support, etc.) cannot be included in the COA.
It’s important to know what is on your credit report, since our main loan provider, Sallie Mae, 他们的信用决定将基于您的TransUnion信用报告中的信息. 你的信用评分并不像你的完整报告中包含的详细的帐户历史那么重要. Sallie Mae的信贷决策将基于这些历史上的信贷细节. 你有资格每年从三家信用报告机构各免费获得一份你的报告, and any time you are denied housing, insurance, employment, or credit based on the data in your report. You can get your free annual copy at www.annualcreditreport.com.
每个贷款期间的完整COA可以由Sallie Mae计划覆盖. Sallie Mae offers a loan program for students in our Accelerated Review Program (ARP), in addition to the loan program for the Doctor of Medicine; as well as a Parent Loan Program for students who may need the option. 根据课程进度不同，你的COA和借阅期所包括的学期也会有所不同. 标准MD课程和EBS课程的COA预算可以在 Cost of Attendance page, 在每个奖学金年度开始前，你还可以通过电子邮件获得一份附上你个人COA的经济援助包.
在收到你的经济援助邮件之前，请不要申请任何贷款.
在适当的时间申请或重新申请时，你将获得一份经济援助包. 在向Sallie Mae提交任何申请之前，请务必等待这些指示.
