Student Loan Considerations
Students are encouraged to consider their loan/debt tolerance prior to and while in school. Students should spend time reviewing HSPH's cost of attendance and budgeting accordingly. It is ideal to begin this preparation prior to attending HSPH.
Please note that the private loan terms listed on this website are for 07-08, and that these terms will be changing in 08-09. The Office of Student Financial Services expects to have these terms finalized by late spring of this year. Students are advised to carefully review all terms and conditions of any loans before signing any promissory notes.
Educational loans enable many students the ability to attend HSPH. However, student debt carries a higher premium and for this reason, borrowers must consider certain lending conditions in order to maximize their educational rate of return.
When students review the terms and conditions of loans, the following factors should be considered:
Consider the following:- The impact of your credit (credit-score/history)
- Enrollment requirements
- Interest Rates
- Risk Tolerance
- Fees
- Repayment Incentives
- Total Cost
- Logistics of Repayment
- Deferment/Forbearance options including length of in-school deferment, for periods of financial hardship
- Flexibility of repayment plans
Loan Calculators:
http://finaid.org/calculators/
http://www.ed.gov/offices/OSFAP/DirectLoan/calc.html
http://www.accessgroup.org/calculators/index.htm
Please choose from the following:
Loan Information for Domestic Students
Domestic Students include: US Citizens, US Permanent Residents, Citizens of Freely Associated States, Refugees, and Persons granted Asylum.