The Social and Behavioral Sciences programs are designed for people with a passion for making a difference in the lives of others.
Whether you are on your way up the corporate ladder or just getting started, our business degree programs and certificates could help you prepare to take your business career to a higher level.
Whether you want to enter the field of criminal justice or need credentials to advance your career, Kaplan University's criminal justice degree programs are designed to help you achieve your goal.
Our degree programs and certificates could help prepare you to teach diverse learners a broad range of academic content and educational foundations.
Our comprehensive fire science programs offer the flexibility of online learning, ideal for individuals in the fire science and emergency management fields who may work inconsistent hours.
You could acquire real-world knowledge and practical skills and prepare for a career in the health care industry by earning a health sciences degree, diploma, or certificate.
Our programs in legal studies, paralegal studies, and environmental policy are designed to fit your educational goals.
Our nursing degree and certificate programs are taught by practicing professionals who are dedicated to helping you prepare for real-world challenges in nursing.
Kaplan University's IT programs are designed to prepare you with the knowledge and skills you need to start or advance your technology career.
Kaplan University offers over 180 degree and certificate programs all available to military, veterans, and spouses of active duty members. In addition, several programs have been developed to complement specific military occupations or programs established by the military.
The Kaplan University School of General Education courses support the academic, social, personal, and professional development of learners throughout their engagement with the University.
Open College at Kaplan University (OC@KU) offers individualized, affordable education that integrates technology and personalized service to help learners meet their career, academic, and personal goals.
Offering the flexibility of online education and support for military students.
Every day, talented individuals are proving it's never too late to think about the future.
Learn more about becoming an international student at US-based and accredited Kaplan University.
Learn about transferring your previously earned college credits to Kaplan University.
We have partnered with many employers and educational institutions to provide their employees and students with education opportunities.
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Kaplan University is dedicated to the support, engagement, and involvement of our graduates.
Resources for current Kaplan University students.
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Kaplan University students are eligible to apply for the Title IV federal student loan programs. The University currently offers Subsidized Stafford, Unsubsidized Stafford, and Parent/Grad Plus loans through the William D. Ford Direct Loan program with the U.S. Department of Education.
Federal loans are generally lower-interest rate loans offering students a grace period in which payments are not due, as well as multiple repayment plans.
Whether you are a first-time borrower or a continuing student borrower, you may apply for a Direct Loan by completing a Free Application for Federal Student Aid (FAFSA) and electronically signing a Master Promissory Note (MPN).
See below for important information about the student loan process including documents and resources to guide and inform you.
The U.S. Department of Education requires that all students wishing to borrow under the federal Stafford loan program participate in a loan entrance counseling before receiving funds. To help you satisfy this requirement, visit the Direct Loans website. Please note, to complete this Entrance Counseling and Exam you will need your FSA ID to access your loan documentation.
There are two types of federal Stafford loans - subsidized and unsubsidized.
These loan payments are deferred while you are enrolled in school. However, once you graduate or fall below a half-time credit load (undergraduate, 6 quarter credit hours per semester; graduate, 2 or 4 quarter credit hours depending on your program), you will enter into a “grace” period of 6 months before your repayments begin. Once this period has expired, you will be required to begin making payments on your student loans.
Important Direct Loan information is also accessible on the U.S. Department of Education Federal Student Aid website.
The Federal Direct Graduate PLUS Loan is a fixed interest loan program that enables graduate students to borrow directly from the U.S. Department of Education to help pay for their educational expenses. Graduate PLUS loans are only available to graduate students who are enrolled at least half time and who meet all the eligibility requirements for federal student aid programs. Graduate PLUS loans have a fixed interest rate of 6.84% for loans disbursed between July 1, 2015 and before July 1, 2016. For loans disbursed between July 1, 2016, and June 30, 2017, the interest rate will be fixed at 6.31%. These are fixed interest rates for the life of the loan.
Students are responsible for repaying Graduate PLUS loans while they are enrolled in school but have the option to defer payments as long as they remain in at least a half time status. Interest on the loan will continue to accrue while the student is in school and during any period of forbearance or deferment. Students also have a number of repayment options available to them based on their
individual borrower needs.
For more information on Direct Plus Loans, visit the Federal Student Aid site.
Parent PLUS loans are only
available to the parent(s) of a dependent undergraduate students
enrolled at least half-time and who meet all the eligibility requirements for federal student aid
programs. All parents of dependent students must complete, sign, and return the Parent Loan Data Form to the school, so that the Financial
Aid Office will know if the parent intends to apply for the Parent PLUS loan. Parents
who intend to apply for a Parent PLUS loan, will need to complete the PLUS
request process and sign a PLUS MPN on the Direct
Loan website. Please see below for details on
completing the MPN.
Parent PLUS loans have a fixed interest rate of 6.84% for loans disbursed between July 1, 2015, and before July 1, 2016. For loans disbursed between July 1, 2016, and June 30, 2017, the interest rate will be fixed at 6.31%. These are fixed interest rates for the life of the loan. Parents are responsible for repaying Parent PLUS loans once the loan is fully disbursed but have the option to defer payments as long as their child remains enrolled in at least a half time status. Interest on the loan will continue to accrue while the student is in school and during any period of forbearance or deferment. Parents have a number of repayment options available to them based on their
individual borrower needs.
A parent must be the
student's biological or adoptive parent or the student's stepparent, if the
biological or adoptive parent has remarried at the time of application. The child
must be a dependent student who is enrolled at least half-time at a school that
participates in the Direct Loan Program.
financial aid purposes, a student is considered "dependent" if he or
she is under 24, unmarried, and has no legal dependents at the time the Free
Application for Federal Student Aid is submitted. If a student is considered dependent, then the
income and the assets of the parent have to be reported on the FAFSA.
students will not be required to submit Parent documents (PLUS Credit
decision, PLUS MPN, and the Parent data form) if any of the following
Unpaid interest accumulates while the student
is in school or in any deferment or grace period, and
is added to the principal balance at the end of the grace period, deferment
period, or forbearance period.
For example, if $1,000 is borrowed and there is $50 in unpaid
interest, that $50 is added to the $1,000 at the end of the grace period. Thus,
the principal balance will become $1,050 and interest will then accumulate on
that amount. Both graduate students and parents of dependent students have the
option to pay the interest while the student is in school to avoid having the
unpaid interest amount added to the principal balance.
When applying for a loan, it is important to know the rights and responsibilities of a student borrower. Both
graduate students and parents of dependent students must understand the
seriousness and importance of the repayment obligation being assumed on the
The Master Promissory Note (MPN) is a binding contract. The document states your obligation to repay your financial aid loans. The MPN can be used for both subsidized and unsubsidized loans and for one or more academic years (up to 10 years).
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