The Harvard Graduate Loan program is designed specifically for Harvard students and offers our most competitive rates! If you’re enrolled at least half-time in an eligible degree program at one of the schools listed below, this program is for you. If you do not see your school listed below, visit our Flex Graduate Loan page!
Una relación de confianza.
HUECU se enorgullece de ofrecer opciones de préstamos favorables para los estudiantes de posgrado de Harvard. Nos esforzamos por hacer que su estancia en Harvard esté libre de estrés, ayudándole a satisfacer sus necesidades de financiación y simplificando el proceso de reembolso del préstamo. Concéntrese en sus estudios y nosotros estaremos aquí para aliviar sus preocupaciones financieras.
Note: You should only apply for a loan you intend to borrow. HUECU notifies the Harvard Financial Aid Office of any applications received, and they may expect the disbursement of funds. Should you have other funds to pay for your education, and need to obtain financial certification, you can easily open an HUECU bank account remotely. For information, please visit huecu.org/international.
Seleccione su escuela:
Límites de los préstamos
Escuela de Negocios de Harvard
- El importe máximo del préstamo es el coste de la asistencia menos otras ayudas recibidas (sin superar los 90.000 dólares anuales)
- Candidatos a un título conjunto: HBS certifica los préstamos de acuerdo con la política de HBS para los términos académicos cuando HBS determina su paquete de ayuda financiera
Note: If you are applying for funding after the academic year has ended, please contact the Financial Aid Office prior to submitting your application to determine your eligibility.
Información de contacto de la escuela:
Escuela de Negocios de Harvard
Carretera Soldiers Field
Centro Spangler
Boston, MA 02163-1303
Servicios de ayuda financiera del MBA
finaid@hbs.edu
Teléfono 617-495-6640
Fax 617-496-3991
Características principales
• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.50% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• HUECU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)
| Program Rates & Terms | ||||
|---|---|---|---|---|
| Término | Tipo de tarifa | Tarifa1 | APR1 tan bajo como |
Est. Pago mensual |
| 5 años | Fijo | 5.50 % | 4.674% | $233.58 |
| 10 años | Fijo | 5.75 % | 4.975% | $134.08 |
| 15 años | Fijo | 6.25 % | 5.479% | $105.75 |
Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.
Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.
1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 48 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for having a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. HUECU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.
Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.50%. Other assumptions include 4 years in school, and a 9-month grace period. Borrowing $10,000 at 5.00% and 5 year term, results in 4.674% APR, monthly payment of $233.58, finance charge of $4,014.80 and total repayment of $14,014.80. Due to the in-school and grace period, the APR is lower than the interest rate.
2. PAGO AUTOMÁTICO. Para poder beneficiarse de la reducción del tipo de interés del 0,25% para los pagos automáticos, debe estar suscrito a los pagos automáticos a través del Servicio de Cuentas Universitarias (UAS). El pago debe realizarse desde una cuenta bancaria de Estados Unidos. Si en algún momento se suspenden los pagos automáticos, no se aplicará el descuento del tipo de interés. El descuento no reducirá el importe del pago mensual, pero le ayudará a pagar el préstamo más rápidamente. El pago automático no es necesario para obtener un préstamo. HUECU se reserva el derecho de cambiar los descuentos en las tasas en cualquier momento.
3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.
4. PRIME RATE. All current HUECU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.
5. MEMBERSHIP. Membership in the Credit Union requires a $5 minimum deposit in a Share Savings Account. Education Loan borrowers must be the primary accountholder to meet the membership requirement.
Estudiantes de JD
Límites de los préstamos
- El importe mínimo del préstamo es de 1.000 dólares
- The annual maximum for 2023-2024 is $111,000
Nota: Los estudiantes de JD no deben presentar su solicitud antes del 1 de junio
Información de contacto de la escuela:
HLS JD Student Financial Services
Attn: JD Financial Aid
Wasserstein Hall Suite 5027
1585 Massachusetts Avenue
Cambridge, MA 02138
Servicios financieros para estudiantes
sfs@law.harvard.edu
Teléfono 617-495-4606
Estudiantes de LLM/SJD
Límites de los préstamos
- El importe mínimo del préstamo es de 1.000 dólares
- Para conocer los límites de los préstamos para estudiantes de LLM/SJD, póngase en contacto con el Programa de Posgrado de la HLS
Información de contacto de la escuela:
Oficina de Admisiones y Ayuda Financiera (LLM/SJD)
Wasserstein Hall Suite 5005
Wasserstein Hall Suite 5027
1585 Massachusetts Avenue
Cambridge, MA 02138
Servicios financieros para estudiantes
gpquery@law.harvard.edu
Teléfono 617-496-8214
Características principales
• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.50% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• HUECU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)
| Program Rates & Terms | ||||
|---|---|---|---|---|
| Término | Tipo de tarifa | Tarifa1 | APR1 tan bajo como |
Est. Pago mensual |
| 5 años | Fijo | 5.50 % | 4.674% | $233.58 |
| 10 años | Fijo | 5.75 % | 4.975% | $134.08 |
| 15 años | Fijo | 6.25 % | 5.479% | $105.75 |
Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.
Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.
1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 48 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for having a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. HUECU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.
Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.50%. Other assumptions include 4 years in school, and a 9-month grace period. Borrowing $10,000 at 5.00% and 5 year term, results in 4.674% APR, monthly payment of $233.58, finance charge of $4,014.80 and total repayment of $14,014.80. Due to the in-school and grace period, the APR is lower than the interest rate.
2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Account Service (UAS). Payment must be set-up from a U.S. bank accont. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. HUECU reserves the right to change rate discounts at any time.
3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.
4. PRIME RATE. All current HUECU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.
5. MEMBERSHIP. Membership in the Credit Union requires a $5 minimum deposit in a Share Savings Account. Education Loan borrowers must be the primary accountholder to meet the membership requirement.
Límites de los préstamos
Escuela de Medicina de Harvard
- Master’s Degree program: The maximum loan amount is based on your cost of attendance minus other aid, not to exceed $25,000. You may be conditionally approved for a higher amount if you apply for more than $25,000, however, the Financial Aid Office will adjust this amount not to exceed $25,000 when they certify your loan.
- MD program: The maximum loan amount is based on your cost of attendance minus other aid, not to exceed $75,000.
- Interested applicants must speak with an HMS financial aid officer before applying for this loan.
Información de contacto de la escuela:
Escuela de Medicina de Harvard
25 Shattuck Street Rm 211
Boston, MA 02115-6092
financial_aid@hms.harvard.edu
Teléfono 617-432-0449
Fax 617-432-4308
Características principales
• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.50% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• HUECU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)
| Program Rates & Terms | ||||
|---|---|---|---|---|
| Término | Tipo de tarifa | Tarifa1 | APR1 tan bajo como |
Est. Pago mensual |
| 5 años | Fijo | 5.50 % | 4.674% | $233.58 |
| 10 años | Fijo | 5.75 % | 4.975% | $134.08 |
| 15 años | Fijo | 6.25 % | 5.479% | $105.75 |
Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.
Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.
1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 48 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for having a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. HUECU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.
Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.50%. Other assumptions include 4 years in school, and a 9-month grace period. Borrowing $10,000 at 5.00% and 5 year term, results in 4.674% APR, monthly payment of $233.58, finance charge of $4,014.80 and total repayment of $14,014.80. Due to the in-school and grace period, the APR is lower than the interest rate.
2. PAGO AUTOMÁTICO. Para poder beneficiarse de la reducción del tipo de interés del 0,25% para los pagos automáticos, debe estar suscrito a los pagos automáticos a través del Servicio de Cuentas Universitarias (UAS). El pago debe realizarse desde una cuenta bancaria de Estados Unidos. Si en algún momento se suspenden los pagos automáticos, no se aplicará el descuento del tipo de interés. El descuento no reducirá el importe del pago mensual, pero le ayudará a pagar el préstamo más rápidamente. El pago automático no es necesario para obtener un préstamo. HUECU se reserva el derecho de cambiar los descuentos en las tasas en cualquier momento.
3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.
4. PRIME RATE. All current HUECU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.
5. MEMBERSHIP. Membership in the Credit Union requires a $5 minimum deposit in a Share Savings Account. Education Loan borrowers must be the primary accountholder to meet the membership requirement.
Límites de los préstamos
Escuela de MedicinaDental de Harvard
- Por favor, póngase en contacto con la Oficina de Ayuda Financiera de HSDM para conocer su límite de préstamo.
Información de contacto de la escuela:
Escuela de Medicina Dental de Harvard
188 Longwood Avenue
Boston, MA 02115-5888
Gardner Key
Director de Ayuda Financiera
gardner_key@hsdm.harvard.edu
Teléfono 617-432-1527
Fax 617-432-3881
Características principales
• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.50% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• HUECU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)
| Program Rates & Terms | ||||
|---|---|---|---|---|
| Término | Tipo de tarifa | Tarifa1 | APR1 tan bajo como |
Est. Pago mensual |
| 5 años | Fijo | 5.50 % | 4.674% | $233.58 |
| 10 años | Fijo | 5.75 % | 4.975% | $134.08 |
| 15 años | Fijo | 6.25 % | 5.479% | $105.75 |
Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.
Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.
1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 48 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for having a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. HUECU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.
Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.50%. Other assumptions include 4 years in school, and a 9-month grace period. Borrowing $10,000 at 5.00% and 5 year term, results in 4.674% APR, monthly payment of $233.58, finance charge of $4,014.80 and total repayment of $14,014.80. Due to the in-school and grace period, the APR is lower than the interest rate.
2. PAGO AUTOMÁTICO. Para poder beneficiarse de la reducción del tipo de interés del 0,25% para los pagos automáticos, debe estar suscrito a los pagos automáticos a través del Servicio de Cuentas Universitarias (UAS). El pago debe realizarse desde una cuenta bancaria de Estados Unidos. Si en algún momento se suspenden los pagos automáticos, no se aplicará el descuento del tipo de interés. El descuento no reducirá el importe del pago mensual, pero le ayudará a pagar el préstamo más rápidamente. El pago automático no es necesario para obtener un préstamo. HUECU se reserva el derecho de cambiar los descuentos en las tasas en cualquier momento.
3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.
4. PRIME RATE.All current HUECU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.
5. MEMBERSHIP. Membership in the Credit Union requires a $5 minimum deposit in a Share Savings Account. Education Loan borrowers must be the primary accountholder to meet the membership requirement.
Límites de los préstamos
Harvard Graduate School of Education
• HGSE students, domestic or international, may borrow a yearly maximum of $20,500 through the HUECU Graduate Student Lending Program
Información de contacto de la escuela:
Escuela de Postgrado de Educación de Harvard
13 Appian Way
Longfellow 11
Cambridge, MA 02138-3752
finaid@gse.harvard.edu
Teléfono 617-495-3416
Fax 617-496-0840
Características principales
• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.50% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• HUECU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)
| Program Rates & Terms | ||||
|---|---|---|---|---|
| Término | Tipo de tarifa | Tarifa1 | APR1 tan bajo como |
Est. Pago mensual |
| 10 años | Fijo | 5.75 % | 5.135% | $122.82 |
| 15 años | Fijo | 6.25 % | 5.641% | $96.21 |
Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.
Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.
1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 24 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. HUECU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.
Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.50%. Other assumptions include 2 years in school, and a 9-month grace period. Borrowing $10,000 at 5.25% and 10 year term, results in 5.135% APR, monthly payment of $122.82, finance charge of $4,738.40 and total repayment of $14,738.40. Due to the in-school and grace period, the APR is lower than the interest rate.
2. PAGO AUTOMÁTICO. Para poder beneficiarse de la reducción del tipo de interés del 0,25% para los pagos automáticos, debe estar suscrito a los pagos automáticos a través del Servicio de Cuentas Universitarias (UAS). El pago debe realizarse desde una cuenta bancaria de Estados Unidos. Si en algún momento se suspenden los pagos automáticos, no se aplicará el descuento del tipo de interés. El descuento no reducirá el importe del pago mensual, pero le ayudará a pagar el préstamo más rápidamente. El pago automático no es necesario para obtener un préstamo. HUECU se reserva el derecho de cambiar los descuentos en las tasas en cualquier momento.
3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.
4. PRIME RATE. All current HUECU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.
5. MEMBERSHIP. Membership in the Credit Union requires a $5 minimum deposit in a Share Savings Account. Education Loan borrowers must be the primary accountholder to meet the membership requirement.
Límites de los préstamos
Escuela de Salud Pública T.H. Chan de Harvard
- The maximum loan amount for domestic applicants is the cost of attendance less other aid received, not exceeding $65,000 annually.
- Per SPH policy, international students may borrow $25,000 without a US citizen or permanent resident creditworthy cosigner through this program. With a credit worthy U.S. cosigner, the maximum loan amount is the cost of attendance less other aid received, not exceeding $40,000 annually.
- Si aún no lo ha hecho, y es un estudiante internacional, debe rellenar el formulario de solicitud de préstamo privado preliminar para notificar a la Oficina de Ayuda Financiera su decisión de pedir un préstamo.
Información de contacto de la escuela:
Escuela de Salud Pública T.H. Chan de Harvard
677 Huntington Avenue
Boston, MA 02115-6096
financialaid@hsph.harvard.edu
Teléfono 617-432-1867
Fax 617-432-5431
Características principales
• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.50% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• HUECU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)
| Program Rates & Terms | ||||
|---|---|---|---|---|
| Término | Tipo de tarifa | Tarifa1 | APR1 tan bajo como |
Est. Pago mensual |
| 10 años | Fijo | 5.75 % | 5.135% | $122.82 |
| 15 años | Fijo | 6.25 % | 5.641% | $96.21 |
Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.
Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.
1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 24 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. HUECU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.
Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.50%. Other assumptions include 2 years in school, and a 9-month grace period. Borrowing $10,000 at 5.25% and 10 year term, results in 5.135% APR, monthly payment of $122.82, finance charge of $4,738.40 and total repayment of $14,738.40. Due to the in-school and grace period, the APR is lower than the interest rate.
2. PAGO AUTOMÁTICO. Para poder beneficiarse de la reducción del tipo de interés del 0,25% para los pagos automáticos, debe estar suscrito a los pagos automáticos a través del Servicio de Cuentas Universitarias (UAS). El pago debe realizarse desde una cuenta bancaria de Estados Unidos. Si en algún momento se suspenden los pagos automáticos, no se aplicará el descuento del tipo de interés. El descuento no reducirá el importe del pago mensual, pero le ayudará a pagar el préstamo más rápidamente. El pago automático no es necesario para obtener un préstamo. HUECU se reserva el derecho de cambiar los descuentos en las tasas en cualquier momento.
3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.
4. PRIME RATE. All current HUECU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.
5. MEMBERSHIP. Membership in the Credit Union requires a $5 minimum deposit in a Share Savings Account. Education Loan borrowers must be the primary accountholder to meet the membership requirement.
Límites de los préstamos
Escuela de Diseño de Harvard
- Los estudiantes internacionales y nacionales de la GSD pueden pedir prestado hasta una cantidad máxima anual de 12.000 dólares, dependiendo del año en la escuela, siempre que la cantidad prestada se ajuste al presupuesto del estudiante (COA menos otras ayudas).
Información de contacto de la escuela:
Escuela de Diseño de Harvard
48 Quincy Street
422 Gund Hall
Cambridge, MA 02138-3000
financial_aid@gsd.harvard.edu
Teléfono 617-495-5455
Fax 617-495-8949
Características principales
• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.50% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• HUECU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)
| Program Rates & Terms | ||||
|---|---|---|---|---|
| Término | Tipo de tarifa | Tarifa1 | APR1 tan bajo como |
Est. Pago mensual |
| 10 años | Fijo | 5.75 % | 5.135% | $122.82 |
| 15 años | Fijo | 6.25 % | 5.641% | $96.21 |
Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.
Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.
1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 24 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. HUECU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.
Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.50%. Other assumptions include 2 years in school, and a 9-month grace period. Borrowing $10,000 at 5.25% and 10 year term, results in 5.135% APR, monthly payment of $122.82, finance charge of $4,738.40 and total repayment of $14,738.40. Due to the in-school and grace period, the APR is lower than the interest rate.
2. PAGO AUTOMÁTICO. Para poder beneficiarse de la reducción del tipo de interés del 0,25% para los pagos automáticos, debe estar suscrito a los pagos automáticos a través del Servicio de Cuentas Universitarias (UAS). El pago debe realizarse desde una cuenta bancaria de Estados Unidos. Si en algún momento se suspenden los pagos automáticos, no se aplicará el descuento del tipo de interés. El descuento no reducirá el importe del pago mensual, pero le ayudará a pagar el préstamo más rápidamente. El pago automático no es necesario para obtener un préstamo. HUECU se reserva el derecho de cambiar los descuentos en las tasas en cualquier momento.
3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.
4. PRIME RATE. All current HUECU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.
5. MEMBERSHIP. Membership in the Credit Union requires a $5 minimum deposit in a Share Savings Account. Education Loan borrowers must be the primary accountholder to meet the membership requirement.
Límites de los préstamos
Escuela de Artes y Ciencias de Harvard
- The annual maximum for HGSAS students is $30,000 for the HUECU Graduate Student Loan
- Límite total de por vida de la GSAS: 60.000 dólares
- El GSAS no permite utilizar el préstamo del HUECU para la certificación financiera del visado estadounidense para los estudiantes de doctorado
- El GSAS permite utilizar el préstamo del HUECU para la certificación financiera del visado estadounidense para los estudiantes de máster
- Los estudiantes que tengan dudas sobre la elegibilidad pueden ponerse en contacto con el servicio de ayuda financiera de la GSAS para obtener ayuda
Información de contacto de la escuela:
Escuela de Artes y Ciencias de Harvard
Oficina de Ayuda Financiera
1350 Massachusetts Avenue
Smith Campus Center 350
Cambridge, MA 02138-3654
Teléfono 617-495-5315
Características principales
• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.50% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• HUECU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)
| Program Rates & Terms | ||||
|---|---|---|---|---|
| Término | Tipo de tarifa | Tarifa1 | APR1 tan bajo como |
Est. Pago mensual |
| 10 años | Fijo | 5.75 % | 5.135% | $122.82 |
| 15 años | Fijo | 6.25 % | 5.641% | $96.21 |
Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.
Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.
1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 24 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. HUECU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.
Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.50%. Other assumptions include 2 years in school, and a 9-month grace period. Borrowing $10,000 at 5.25% and 10 year term, results in 5.135% APR, monthly payment of $122.82, finance charge of $4,738.40 and total repayment of $14,738.40. Due to the in-school and grace period, the APR is lower than the interest rate.
2. PAGO AUTOMÁTICO. Para poder beneficiarse de la reducción del tipo de interés del 0,25% para los pagos automáticos, debe estar suscrito a los pagos automáticos a través del Servicio de Cuentas Universitarias (UAS). El pago debe realizarse desde una cuenta bancaria de Estados Unidos. Si en algún momento se suspenden los pagos automáticos, no se aplicará el descuento del tipo de interés. El descuento no reducirá el importe del pago mensual, pero le ayudará a pagar el préstamo más rápidamente. El pago automático no es necesario para obtener un préstamo. HUECU se reserva el derecho de cambiar los descuentos en las tasas en cualquier momento.
3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.
4. PRIME RATE. All current HUECU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.
5. MEMBERSHIP. Membership in the Credit Union requires a $5 minimum deposit in a Share Savings Account. Education Loan borrowers must be the primary accountholder to meet the membership requirement.
Límites de los préstamos
Escuela Kennedy de Harvard
- El importe máximo del préstamo para los solicitantes nacionales es el coste de la asistencia menos otras ayudas recibidas, sin superar los 65.000 dólares anuales.
- Según la política de HKS, los estudiantes internacionales pueden pedir un préstamo de 20.000 dólares sin un cofirmante solvente de nacionalidad estadounidense o residente permanente. Con un cofirmante estadounidense solvente, el importe máximo del préstamo es el coste de la asistencia menos otras ayudas recibidas, sin exceder los 50.000 dólares anuales.
School Contact Information:
John F. Kennedy School of Government
79 John F. Kennedy Street
(Office location–124 Mt. Auburn Street, Suite 165)
Cambridge, MA 02138
Ph. 617-495-1155
Email: admissionsandaid@hks.harvard.edu
Características principales
• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.50% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• HUECU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)
| Program Rates & Terms | ||||
|---|---|---|---|---|
| Término | Tipo de tarifa | Tarifa1 | APR1 tan bajo como |
Est. Pago mensual |
| 10 años | Fijo | 5.75 % | 5.135% | $122.82 |
| 15 años | Fijo | 6.25 % | 5.641% | $96.21 |
Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.
Terms and Conditions Apply. In order to qualify, a borrower must be accepted into or enrolled at an eligible Harvard graduate school at least half-time, and must satisfy all required underwriting and document requirements. You are an eligible domestic borrower if you are a U.S. Citizen or permanent resident. All international borrowers must pass an OFAC screening, and applications will not be accepted from residents or citizens of OFAC sanctioned countries.
1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 24 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. HUECU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.
Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.50%. Other assumptions include 2 years in school, and a 9-month grace period. Borrowing $10,000 at 5.25% and 10 year term, results in 5.135% APR, monthly payment of $122.82, finance charge of $4,738.40 and total repayment of $14,738.40. Due to the in-school and grace period, the APR is lower than the interest rate.
2. PAGO AUTOMÁTICO. Para poder beneficiarse de la reducción del tipo de interés del 0,25% para los pagos automáticos, debe estar suscrito a los pagos automáticos a través del Servicio de Cuentas Universitarias (UAS). El pago debe realizarse desde una cuenta bancaria de Estados Unidos. Si en algún momento se suspenden los pagos automáticos, no se aplicará el descuento del tipo de interés. El descuento no reducirá el importe del pago mensual, pero le ayudará a pagar el préstamo más rápidamente. El pago automático no es necesario para obtener un préstamo. HUECU se reserva el derecho de cambiar los descuentos en las tasas en cualquier momento.
3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.
4. PRIME RATE. All current HUECU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.
5. MEMBERSHIP. Membership in the Credit Union requires a $5 minimum deposit in a Share Savings Account. Education Loan borrowers must be the primary accountholder to meet the membership requirement.
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Pasos de la solicitud del préstamo para la educación
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¿Tiene más preguntas? Visite nuestra página de preguntas frecuentes.
¿Necesitas ayuda?
Póngase en contacto con el Centro de Operaciones de Préstamos Educativos de HUECU:
- Llama: 717-254-2397
- Correo electrónico: huecu@campusdoor.com
Please note: HUECU does not lend to citizens of the following countries: Belarus, Cuba, DR Congo, Iraq, Libya, Somalia, Syria, Iran and North Korea. The credit union conducts a thorough risk-assessment, taking into account criteria such as OFAC, and the ability to satisfy repayment obligations based upon capital controls in certain countries. All international applicants must pass an OFAC screening.