Private Education Loan Disclosures
In accordance with 34 CFR 668.14(b)(29)(ii), an institution must, upon the request of the applicant, discuss the availability of Federal, State, and institutional financial aid. 十大网赌软件推荐财务援助办公室的工作人员很乐意与学生和未来的学生讨论, and their parents, 他们可以获得的经济援助选择. 学生和家长可以根据《十大网赌排行榜》第四章获得贷款或其他援助. 标题四HEA计划贷款的条款和条件可能比私人教育贷款的规定更有利.
2008年高等教育机会法案(Pub. L. 110-35) (HEOA) added section 128(e)(3) to the TILA to require that before a private educational lender may consummate a private education loan for a student in attendance at an institution of higher education, 私人教育贷款机构必须向申请人索取填妥并签署的《十大网赌排行榜》. 联邦储备委员会的最终条例于8月14日公布, 2009年在12 CFR 226中纳入了这一新要求.48(e). 许多私人贷款的贷款人会向学生借款人提供自我证明表格. 如果情况并非如此，请与我们联系. 此表格亦备有pdf格式:私人教育贷款自我证明(pdf格式): http://ifap.ed.gov/dpcletters/attachments/GEN1001A-AppSelfCert.pdf
Information Required under Sec. 《十大网赌排行榜》第128(e)条(15 U . 16).S.C. 1638(e))
e)关于私人教育贷款的条款和披露.–
(1)民办教育贷款申请和募捐中需要披露的信息.
-任何申请私人教育贷款, 或者不需要申请就可以申请私人教育贷款, 民办教育贷款人应当向借款人披露, clearly and conspicuously–
(一)可能适用于私教贷款的利率幅度;
(B)适用于私立教育贷款的利率是固定的还是可变的;
(三)利率调整的限制, 无论是频率还是数量, or the lack thereof, if applicable;
(D)共同借款人的要求, 包括在没有共同借款人的情况下适用利率的任何变化;
(E) potential finance charges, late fees, penalties, and adjustments to principal, 拖欠的:基于借款人的违约或逾期付款的;
(六)适用于民办教育贷款的费用或收费范围;
(七)民办教育贷款期限;
(H) whether interest will accrue while the student to whom the private education loan relates is enrolled at a covered educational institution;
(I) payment deferral options;
(七)民办教育贷款的一般资格标准;
(K)私教贷款在贷款期限内的总成本示例-
(i) which shall be calculated using the principal amount and the maximum rate of interest actually offered by the private educational lender; and
(ii)不计利息资本化计算, if an option exists for postponing interest payments; the private educational lender may provide) following the date on which the application for the private education loan is approved and the borrower receives the disclosure documents required under this subsection for the loan; and
(L) that a covered educational institution may have school-specific education loan benefits and terms not detailed on the disclosure form;
(M) that the borrower may qualify for Federal student financial assistance through a program under title IV of the Higher Education Act of 1965 (20 U.S.C. 1070 et seq.)代替或补充来自非联邦来源的贷款;
(N) the interest rates available with respect to such Federal student financial assistance through a program under title IV of the Higher Education Act of 1965 (20 U.S.C. 1070 et seq.);
(O)如第(6)段所述-
(i) the borrower shall have the right to accept the terms of the loan and consummate the transaction at any time within 30 calendar days (or such longer period as
(ii)但因调整用于贷款的指数而发生的变化除外, 在第(i)条规定的期限内，私人教育贷款人不得改变贷款利率和贷款期限;
(P) that, 在完成私人教育贷款之前, 借款人必须向有关高等教育机构索取第(3)段所要求的表格。, and complete, sign, 并将此表格交回私立教育贷款人;
(Q) that the consumer may obtain additional information concerning such Federal student financial assistance from their institution of higher education, or at the website of the Department of Education; and
(R)委员会规定的其他资料, by rule, 消费者在必要或适当的情况下做出明智的借贷决定.
(二)民办教育贷款审批时的披露情况.
——与批准私人教育贷款申请同时进行, 在贷款交易完成之前, 民办教育贷款人应当向借款人披露, clearly and conspicuously–
(A)批准之日有效的适用利率;
(B)适用于私人教育贷款的利率是固定的还是可变的;
(三)利率调整的限制, 无论是频率还是数量, or the lack thereof, if applicable;
(四)初始核定的本金金额;
(E) applicable finance charges, late fees, penalties, and adjustments to principal, 基于借款人违约或逾期付款, 包括在破产情况下限制民办教育贷款的清偿;
(六)适用于民办教育贷款的费用或收费范围;
(七)民办教育贷款项目下的最长期限;
(八)估计的还款总额, at both the interest rate in effect on the date of approval and at the maximum possible rate of interest offered by the private educational lender and applicable to the borrower, 在这种最高比率可以确定的范围内, or if not, a good faith estimate thereof;
(I) any principal and interest payments required while the student for whom the private education loan is intended is enrolled at a covered educational institution and unpaid interest that will accrue during such enrollment;
(J)适用于借款人的延期付款选择;
(K)每月供款是否逐级递增;
(L)如第(6)段所规定
(i) the borrower shall have the right to accept the terms of the loan and consummate the transaction at any time within 30 calendar days (or such longer period as the private educational lender may provide) following the date on which the application for the private education loan is approved and the borrower received the disclosure documents required under this subsection for the loan; and
(ii)但因调整用于贷款的指数而发生的变化除外, 在第(i)条规定的期限内，私人教育贷款人不得改变贷款利率和贷款期限;
(M) that the borrower–
(i)有资格通过1965年《十大网赌排行榜》(20 U.S.C. 1070 et seq.), in lieu of, or in addition to, a loan from a non-Federal source; and
(ii) may obtain additional information concerning such assistance from their institution of higher education or the website of the Department of Education;
(N) the interest rates available with respect to such Federal financial assistance through a program under title IV of the Higher Education Act of 1965 (20 U.S.C. 1070 et seq.);
(O) the maximum monthly payment, 按民办教育贷款机构实际提供的最高利率计算，适用于借款人, 在这种最高比率可以确定的范围内, or if not, a good faith estimate thereof; and
(P)委员会规定的其他资料, by rule, 消费者在必要或适当的情况下做出明智的借贷决定.
(3)信息的自我认证.
(A) IN GENERAL. –Before a private educational –lender may consummate a private education loan with respect to a student attending an institution of higher education, the lender shall obtain from the applicant for the private education loan the form developed by the Secretary of Education under section 155 of the Higher Education Act of 1965, signed by the applicant, in written or electronic form.
(B) RULE OF CONSTRUCTION. –No other provision of this subsection shall be construed to require a private educational lender to perform any additional duty under this paragraph, 除收集(A)分段规定的表格外.
(四)民办教育贷款完成时的披露情况.
——同时完成一项私人教育贷款, 私立教育贷款人应向借款人披露第
(A) paragraph (2)(A) (adjusted, as necessary, 为成交当日的有效利率, (根据贷款使用的指标);
(B) subparagraphs (B) through (K) and (M) through (P) of paragraph (2); and
(C) paragraph (7).
(5) FORMAT OF DISCLOSURES.
(A) MODEL FORM. -不迟于本款颁布之日后2年, the Board shall, based on consumer testing, 并与教育部长协商, 开发和发布可能使用的模型表单, 由私人教育贷款机构决定, 提供本款所要求的披露.
(B) FORMAT. -根据本款制定的示范表格应-
(i)借款人可以理解，格式和设计清晰;
(ii)作出明确和显著的披露;
(iii) enable borrowers easily to identify material terms of the loan and to compare such terms among private education loans; and
(iv)简洁，使用易读的字体.
(C) SAFE HARBOR. –Any private educational lender that elects to provide a model form developed under this subsection that accurately reflects the practices of the private educational lender shall be deemed to be in compliance with the disclosures required under this subsection.
(六)核定利率和贷款期限的有效期限.
(A) IN GENERAL. ——关于私人教育贷款, the borrower shall have the right to accept the terms of the loan and consummate the transaction at any time within 30 calendar days (or such longer period as the private educational lender may provide) following the date on which the application for the private education loan is approved and the borrower receives the disclosure documents required under this subsection for the loan, 在此期间，民办教育贷款机构不得改变贷款利率和贷款期限.
(B) PROHIBITION ON CHANGES. -根据贷款指标调整而发生的变化除外, 民办教育贷款机构在下列情形发生前，不得变更贷款利率和贷款期限
(i)借款人接受贷款条款及完成交易的日期, as described in subparagraph (A); or
(ii)第(A)项规定的期限届满.
(7) RIGHT TO CANCEL.
——关于私人教育贷款, the borrower may cancel the loan, without penalty to the borrower, 在贷款完成之日起3个工作日内的任何时间, 私立教育贷款人应按照第(4)款的规定向借款人披露该权利。.
(8) PROHIBITION ON DISBURSEMENT.
–No funds may be disbursed with respect to a private education loan until the expiration of the 3-day period described in paragraph (7).
(9) BOARD REGULATIONS.
-根据本款发布规章, the Board shall prevent, to the extent possible, 对私人教育贷款机构的重复披露要求，否则就需要根据本标题进行披露, except that in any case in which the disclosure requirements of this subsection differ or conflict with the disclosure requirements of any other provision of this title, 本款的规定须具管制性.
(10) DEFINITIONS.
–For purposes of this subsection, 术语“涵盖的教育机构”, “private education lender”, 及“私人教育贷款”释义与第140条相同.
(十一)参加优先贷款人安排的贷款人的义务.
-每个与受保教育机构有优先贷款安排的私人教育贷款机构应每年, by a date determined by the Board, 在与教育部长协商后, provide to the covered educational institution such information as the Board determines to include in the model form developed under paragraph (5) for each type of private education loan that the lender plans to offer to students attending the covered educational institution, 或者是这些学生的家庭, 下一个学年(该术语的定义见1965年高等教育法第481条).
[Codified to 15 U.S.C. 1638]
[资料来源:1968年5月29日法案第一编第128节(Pub . 1). L. No. 90--321; 82 Stat. 155), effective July 1, 1969, 经3月31日法案第六编第614条修正, 1980 (Pub. L. No. 96--221; 94 Stat. 178--180), effective October 1, 1982; section 2105 of title II of the Act of September 30, 1996 (Pub. L. No. 104--208; 110 Stat. 3009--402), effective September 30, 1996; section 1302(b)(1) of title XIII of the Act of April 20, 2005 (Pub. L. No. 109--8; 119 Stat. 209), effective April 20, 2005; section 2502(a) of title V of the Act of July 30, 2008 (Pub. L. No. 110--289; 122 Stat. 2855), effective July 30, 2008; section 1021(a) of title X of the Act of August 14, 2008 (Pub. L. No. 110--315, 122 Stat. 3483), effective August 14, 2008; section 130(a)(2) of title I of the Act of October 3, 2008 (Pub. L. No. 110--343; 122 Stat. 3797), effective October 3, 2008]
