A component of the financial aid package is considered "self-help" aid which includes funding from educational loan programs. Low interest loans are made available to assist students with meeting their education costs each year. 在约翰霍普金斯大学医学院, the loan programs are funded through federal and institutional resources. Students must complete the FAFSA 申请贷款资格须予考虑. 除了完成 FAFSA application, students will be required to complete a loan promissory note for each loan type before any disbursement of funds. Eligible programs:

联邦直接贷款-无补贴

(William D. Ford Federal Loan Program)

• 每学年最高20,500美元-研究生
• 每学年最高40,500美元-医学院学生(9个月课程)
• 每学年最高42,722美元-医学院学生(10个月的课程)
• 每学年最高47,167美元-医学院学生(12个月课程)
• 利率在每年的6月1日确定
• 发放贷款处理费(低于2%)
• Interest accrues while in school, during grace period (six months), or in deferment
• 延期的有资格延期或延期的
• Required to complete 主贷款本票
• 首次借贷者须参加入学面试

All first time borrowers of Federal Direct Loans (Unsubsidized) must complete the following activities before funds are disbursed to your student billing account:

1. 以电子方式签署直接贷款主本票. Students who borrow from the Federal Direct Loan Programs are required to complete a Master Promissory Note. This is a one-time requirement for matriculation at the School of Medicine (Please note that NO ACTION IS NECESSARY for students that have previously borrowed Federal Direct Loans through 约翰霍普金斯大学医学院). A first-time borrower is someone who has not previously received a Direct Unsubsidized Loan.  本票可在网上填写. 该网站全天24小时开放, 7 days per week EXCEPT Sunday from 5:00 am -11:00 am (EST) and Monday from 12:01 am - 7:00 am (EST). 

   The electronic procedure for completing the promissory note is as follows:

   1. Log on to the studentaid.gov website with your FSA ID.
   2. Select the "Complete Direct Subsidized/Unsubsidized Loan Master Promissory Note (MPN)" option.
   3. Be sure to select JOHNS HOPKINS UNIVERSITY SCHOOL OF MEDICINE when asked to provide the name of your school.
   4. Follow the instructions.
   5. 记得印一份本票作记录.
       
2. 完成入学辅导 on the studentaid.gov federal website. 完成此过程需要您的FSA ID. 如果你没有有效的FSA ID，你可以在StudentAid上创建一个.gov.    

If you have questions or need additional assistance about the Federal Direct Loan Program, 您可以使用SEAM联系财务援助代表 online form or the U.S. 教育部直接贷款服务中心 (800) 848-0979 or via the web at StudentAid.gov.

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联邦直接毕业生加贷款

• Students may borrow up to the full cost of education less any other aid received
• 所有学生都需要进行信用检查
• 利率在每年的6月1日确定
• 发放贷款处理费(4).2%)
• 还款在最后付款后60天内开始. 学生可以在上学期间申请延期.
• Required to complete a 主贷款本票
• 首次借贷者需参加入学面试

Note: 直接PLUS贷款被认为是最后的贷款.  Interested students are required to borrow total eligibility under the Federal Direct Stafford Unsubsidized loan program before considering borrowing from the Direct Graduate PLUS loan program.

经教育部批准. 适用于研究生/专业学生谁是美国.S. 公民、永久居民或符合条件的非公民. 所有学生都需要进行信用检查. Students may borrow up to the full cost of their education less any other aid received.

直接PLUS贷款被认为是最后的贷款. Interested students should borrow total eligibility under the Federal Direct Stafford Unsubsidized loan programs before considering borrowing from the Direct Plus program.

Interest rate: 每年6月30日通知

Loan fees: 低于5%(扣除贷款金额上限)

Loan Limit: 除学费外，其他援助金额较少

What are the requirements?

• 申请研究生PLUS loan through the studentaid.gov federal website.
• 完成一张PLUS贷款主本票
• 完成联邦毕业生PLUS贷款入学咨询通过 http://www.studentaid.gov (1st time borrowers)
• Credit approval (A co-borrower/endorser option is available if the student does not qualify)

Other features?

In-school deferments are available for graduate and professional students attending at least half-time. Payment then begins six months after graduation or in the event the student drops below half- time enrollment. 学生/借款人负责支付由此产生的所有利息. 任何未付利息将被资本化(加到贷款本金中)。.

Federal Direct PLUS loans may be consolidated with Federal Direct Loans.

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医学院大学贷款

• Maximum - varies
• 在校期间或宽限期不感兴趣
• 5% fixed interest rate
• No loan origination fee
• 毕业后18个月的宽限期
• 延期的有资格延期或延期的
• Required to complete Loan Promissory Note for each loan

约翰霍普金斯大学医学院, 通过校友和朋友们的慷慨解囊, has provided funding to establish low interest loans to assist many of the medical students to meet their educational costs.

每笔批准的贷款金额都需要提供贷款本票.

 

 

填写大学贷款本票

Please allow 2-3 business days for processing after accepting the loan in the Student Self Service portal. 之后，您可以完成如下所述的过程.

以电子方式填写本票的程序如下:

1. 登入ECSI的网页: http://borrower.ecsi.net/ 
2. 选择“设计本票”."
3. You must select JOHNS HOPKINS UNIVERSITY as the school you are attending.
4. Read the information on the "Electronic Signature / Electronic Promissory Note" page. Click on the "begin the electronic signature process" link at the bottom of the page.
5. 提供你的社会安全号码, last name, 姓名和出生日期以证明你的身份.
6. Most pages require that you accept the terms by checking a box at the bottom of those pages.
7. 你必须为自己提供完整的参考资料, next of kin, 另外还有两个参考文献. Failure to complete all lines accurately will keep this loan from disbursing to your account.
8. 本票-完整阅读. 电子签名在本票页的底部. The electronic signature includes a check-off box plus your full legal name.
9. 记得印一份本票作记录.

Private Loans

约翰霍普金斯大学提供访问ELMSelect, 一个互动工具，帮助家庭比较私人贷款的选择.

Visit ELMSelect

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Residency-Relocation Loans

Fourth year students may find it necessary to borrow additional loans for residency relocation and travel expenses. Residency Relocation loans are available to fourth year medical students to borrow 180 days before or up to 180 days after graduation and do not have to be certified by the financial aid office.

有许多不同的贷款项目和选项可供选择. However, 你必须密切注意每笔贷款的条款, as some loans have variable interest rates and different repayment terms. Below is a chart of some of the residency relocation loans available to fourth year students.

Please view the websites of each loan to verify the terms with the lender prior to borrowing as they are subject to change.

Residency Links from AAMC

• 在居住期间推迟偿还贷款