私立教育贷款披露
根据34 CFR 668.14 (b) (29) (2), 一个机构必须, 应申请人的要求, discuss the availability of Federal, 状态, 以及机构财政援助. 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, 还有他们的父母, the financial aid options available to them. 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.
The Higher Education Opportunity Act of 2008 (Pub. L. (HEOA)在TILA中增加了第128(e)(3)条，要求私人教育贷款机构在为就读于高等教育机构的学生完成私人教育贷款之前, 私人教育贷款机构必须向申请人索取填妥并签署的《十大网赌软件推荐》. The Federal Reserve Board’s Final Regulations published on August 14, 2009 incorporate this new requirement at 12 CFR 226.48(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. Please contact us if this is not the case. 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
Sec要求的资料. 128(e) of the Truth in Lending Act (15 U.S.C. 1638(e))
e) TERMS AND DISCLOSURE WITH RESPECT TO PRIVATE EDUCATION LOANS.–
(1)民办教育贷款申请和募捐中需要披露的信息.
–In any application for a private education loan, 或者不需要申请就可以申请私人教育贷款, the private educational lender shall disclose to the borrower, 清楚地，明显地-
(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;
(C) limitations on interest rate adjustments, both in terms of frequency and amount, 或者缺乏, 如果适用;
(D) requirements for a co-borrower, 包括在没有共同借款人的情况下适用利率的任何变化;
(E)潜在的财务费用, 滞纳金, 处罚, 调整本金, based on defaults or late payments of the borrower;
(F) fees or range of fees applicable to the private education loan;
(G) the term of the private education loan;
(H)与私教贷款有关的学生在适用的教育机构就读期间，是否会计息;
(一)延期付款选项;
(J) general eligibility criteria for the private education loan;
(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) calculated both with and without capitalization of interest, 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)覆盖的教育机构可能有未在披露表中详细说明的校本教育贷款优惠和条件;
(M)借款人有资格通过《十大网赌软件推荐》(20 U.S.C. 1070等.), in lieu of, or in addition to, a loan from a non-Federal source;
(N)根据1965年《十大网赌排行榜》(20 U . 19)第4章的规定，通过该计划提供的联邦学生经济援助的利率.S.C. 1070等.);
(O) that, as provided in paragraph (6)–
(i)借款人有权在30个日历日(或更长时间)内的任何时间接受贷款条款并完成交易
(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),, before a private education loan may be consummated, 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。, 和完整的, 标志, and return such form to the private educational lender;
(Q)消费者可以从其高等教育机构获得有关联邦学生经济援助的额外信息, or at the website of the Department of Education; and
(R) such other information as 董事会须 prescribe, 由规则, 消费者在必要或适当的情况下做出明智的借贷决定.
(2) DISCLOSURES AT THE TIME OF PRIVATE EDUCATION LOAN APPROVAL.
——与批准私人教育贷款申请同时进行, and before the loan transaction is consummated, the private educational lender shall disclose to the borrower, 清楚地，明显地-
(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;
(C) limitations on interest rate adjustments, both in terms of frequency and amount, 或者缺乏, 如果适用;
(D) the initial approved principal amount;
(E)适用的财务费用, 滞纳金, 处罚, 调整本金, based on borrower defaults or late payments, 包括在破产情况下限制民办教育贷款的清偿;
(F) fees or range of fees applicable to the private education loan;
(G) the maximum term under the private education loan program;
(H) an estimate of the total amount for repayment, 以批准之日的有效利率和私人教育贷款机构提供的适用于借款人的最高利率计算, to the extent that such maximum rate may be determined, 如果不是, 其合理估计;
(I)获得私立教育贷款的学生在受资助的教育机构入学期间所需支付的任何本金和利息，以及在入学期间将产生的未付利息;
(J) payment deferral options applicable to the borrower;
(K) whether monthly payments are graduated;
(L) that, as provided in paragraph (6)–
(i)借款人有权在30个日历日(或更长时间)内的任何时间接受贷款条款并完成交易 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)认为借款人——
(i)有资格通过1965年《十大网赌排行榜》(20 U.S.C. 1070等.), in lieu of, or in addition to, a loan from a non-Federal source; and
(ii)可从所属高等教育机构或教育署网站获取有关该等援助的额外资料;
(N)根据1965年《十大网赌排行榜》(20 U . 19)第4章的规定，通过该计划提供的联邦财政援助的利率.S.C. 1070等.);
(O)每月最高供款额, 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, to the extent that such maximum rate may be determined, 如果不是, 其合理估计; and
(P) such other information as 董事会须 prescribe, 由规则, 消费者在必要或适当的情况下做出明智的借贷决定.
(3) SELF-CERTIFICATION OF INFORMATION.
(a)总的来说. -在私人教育贷款人完成对就读高等教育机构的学生的私人教育贷款之前, 贷款人应从申请人处获得私立教育贷款表格，该表格由教育部长根据1965年《十大网赌排行榜》第155条制定, 申请人签名, 以书面或电子形式.
(b)解释规则. 本款的任何其他条款不得解释为要求私人教育贷款人履行本款项下的任何额外义务, other than collecting the form required under subparagraph (A).
(4) DISCLOSURES AT THE TIME OF PRIVATE EDUCATION LOAN CONSUMMATION.
–Contemporaneously with the consummation of a private education loan, 私立教育贷款人应向借款人披露第
(A)第(2)款(A)项(调整, 必要时, for the rate of interest in effect on the date of consummation, based on the index used for the loan);
(B) subparagraphs (B) through (K) and (M) through (P) of paragraph (2); and
(C)第(7)段.
(五)披露格式.
(a)模型形式. -不迟于本款颁布之日后2年, 董事会须, 基于消费者测试, and in consultation with the Secretary of Education, develop and issue model forms that may be used, at the option of the private educational lender, for the provision of disclosures required under this subsection.
(B)格式. –Model forms developed under this paragraph shall–
(i) be comprehensible to borrowers, with a clear format and de标志;
(ii) provide for clear and conspicuous disclosures;
(iii) enable borrowers easily to identify material terms of the loan and to compare such terms among private education loans; and
(iv) be succinct, and use an easily readable type font.
(c)安全港. -任何私人教育贷款人选择提供根据本款制定的、准确反映其做法的模型表格，应被视为符合本款规定的披露要求.
(6) EFFECTIVE PERIOD OF APPROVED RATE OF INTEREST AND LOAN TERMS.
(a)总的来说. –With respect to a private education loan, 借款人应有权接受贷款条款，并在私人教育贷款申请获得批准及借款人收到本款所要求的贷款披露文件之日起30个日历日(或私人教育贷款人可能提供的更长时间)内的任何时间完成交易, 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)禁止变更. –Except for changes based on adjustments to the index used for a loan, 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) the expiration of the period described in subparagraph (A).
(七)撤销权.
–With respect to a private education loan, 借款人可以取消贷款, 不处罚借款人, 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。.
(八)禁止支付.
在第(7)段所述的3天期限届满之前，不得发放与私立教育贷款有关的资金。.
(九)董事会章程.
–In issuing regulations under this subsection, 董事会应防止, 尽可能地, 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, 除非在任何情况下，本款的披露要求与本编任何其他条款的披露要求不同或冲突, the requirements of this subsection shall be controlling.
(10)的定义.
-就本款而言, the terms “covered educational institution”, “私立教育贷款机构”, and “private education loan” have the same meanings as in section 140.
(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, 由董事会决定的日期, in consultation with the Secretary of Education, 向该受保教育机构提供委员会决定在根据第(5)段制定的范本表格中，就贷款人计划向在该受保教育机构就读的学生提供的各类私立教育贷款，所包括的资料, or to the families of such students, 下一个学年(该术语的定义见1965年高等教育法第481条).
[编至15 U.S.C. 1638]
[Source: Section 128 of title I of the Act of May 29, 1968 (Pub. L. No. 90--321; 82 Stat. 155), 7月1日生效, 1969, as amended by section 614 of title VI of the Act of March 31, 1980(酒吧. L. No. 96--221; 94 Stat. 178--180), 10月1日生效, 1982; section 2105 of title II of the Act of September 30, 1996(酒吧. L. No. 104--208; 110 Stat. 3009--402), 9月30日生效, 1996; section 1302(b)(1) of title XIII of the Act of April 20, 2005(酒吧. 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)， 2008年10月3日生效]
