{"id":26005,"date":"2023-03-28T03:48:35","date_gmt":"2023-03-28T07:48:35","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/"},"modified":"2025-08-09T18:00:02","modified_gmt":"2025-08-09T18:00:02","slug":"how-do-student-loans-and-financial-aid-differ","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/","title":{"rendered":"\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u652f\u4ed8\u7f8e\u56fd\u6559\u80b2\u7684\u8d39\u7528\u53ef\u80fd\u4f1a\u5f88\u6602\u8d35\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u8bb8\u591a\u56fd\u5185\u548c\u56fd\u9645\u5b66\u751f\u5bfb\u6c42\u9ad8\u7b49\u6559\u80b2\u8d39\u7528\u7684\u8d22\u52a1\u5e2e\u52a9\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8fd9\u79cd\u5e2e\u52a9\u88ab\u79f0\u4e3a\u8d22\u52a1\u63f4\u52a9\u3002\u5f53\u4f60\u8ba1\u5212\u5728\u7f8e\u56fd\u7684\u5927\u5b66\u6216\u5927\u5b66\u5b66\u4e60\u65f6\uff0c\u4f60\u53ef\u80fd\u4e5f\u542c\u8bf4\u8fc7\u56fd\u9645\u5b66\u751f\u7684\u52a9\u5b66\u91d1\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f46\u662f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4f55\u4e0d\u540c\u5462\uff1f\u4ee5\u4e0b\u662f\u4f60\u9700\u8981\u4e86\u89e3\u7684\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u56fd\u9645\u5b66\u751f\u7684\u8d22\u52a1\u63f4\u52a9\u7c7b\u578b<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u8d22\u52a1\u63f4\u52a9\u53ef\u4ee5\u5206\u4e3a\u51e0\u79cd\u9009\u9879\u3002\u4ee5\u4e0b\u662f\u63d0\u4f9b\u7ed9\u56fd\u9645\u5b66\u751f\u7684\u4e3b\u8981\u8d22\u52a1\u63f4\u52a9\u7c7b\u578b\u3002<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u5956\u5b66\u91d1 <\/b><span style=\"font-weight: 400;\">\u662f\u4e0d\u9700\u8981\u507f\u8fd8\u7684\u5956\u52b1\u91d1\u3002\u5b83\u53ef\u80fd\u63d0\u4f9b\u7ed9\u6709\u7ecf\u6d4e\u9700\u8981\u7684\u5b66\u751f\uff0c\u6216\u8005\u6839\u636e\u5b66\u672f\u6210\u7ee9\u6388\u4e88\u7684\u5b66\u751f\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u52a9\u5b66\u91d1\u3002<\/b><span style=\"font-weight: 400;\">\u52a9\u5b66\u91d1\u662f\u53e6\u4e00\u79cd\u63f4\u52a9\uff0c\u901a\u5e38\u53ea\u8981\u4f60\u6ee1\u8db3\u52a9\u5b66\u91d1\u8ba1\u5212\u7684\u6240\u6709\u8981\u6c42\uff0c\u5c31\u4e0d\u9700\u8981\u507f\u8fd8\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u52a9\u5b66\u91d1\u3002<\/b><span style=\"font-weight: 400;\">\u6559\u80b2\u8d37\u6b3e\u5fc5\u987b\u507f\u8fd8\uff0c\u901a\u5e38\u8fd8\u8981\u52a0\u4e0a\u5229\u606f\u548c\u53ef\u80fd\u7684\u989d\u5916\u8d39\u7528\u3002\u56fd\u9645\u5b66\u751f\u901a\u5e38\u53ef\u4ee5\u83b7\u5f97\u975e\u8054\u90a6\u52a9\u5b66\u91d1\uff0c\u4f46\u8981\u6c42\u5728\u5404\u4e2a\u8d37\u6b3e\u673a\u6784\u4e4b\u95f4\u6709\u6240\u4e0d\u540c\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u5de5\u4f5c-\u5b66\u4e60\u3002<\/b><span style=\"font-weight: 400;\">\u4e00\u4e9b\u5b66\u6821\u53ef\u80fd\u5141\u8bb8\u56fd\u9645\u5b66\u751f\u53c2\u52a0\u4f7f\u7528\u975e\u8054\u90a6\u8d44\u91d1\u7684\u5de5\u4f5c-\u5b66\u4e60\u8d22\u52a1\u63f4\u52a9\u8ba1\u5212\u3002\u5b83\u8981\u6c42\u4f60\u5728\u5c31\u8bfb\u5b66\u6821\u671f\u95f4\u5de5\u4f5c\uff0c\u6709\u65f6\u5728\u6821\u56ed\u5185\u3002\u867d\u7136\u5b83\u53ea\u8986\u76d6\u4f60\u7684\u4e00\u90e8\u5206\u5b66\u6821\u8d39\u7528\uff0c\u4f46\u5de5\u4f5c-\u5b66\u4e60\u8d44\u91d1\u53ef\u4ee5\u63d0\u4f9b\u5e2e\u52a9\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u5956\u5b66\u91d1\u3002<\/b><span style=\"font-weight: 400;\">\u5956\u5b66\u91d1\u901a\u5e38\u63d0\u4f9b\u7ed9\u7814\u7a76\u751f\uff0c\u5e76\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u7684\u8d22\u52a1\u63f4\u52a9\u63d0\u4f9b\u3002\u8fd9\u4e9b\u5956\u52b1\u63d0\u4f9b\u8d22\u52a1\u63f4\u52a9\uff0c\u540c\u65f6\u901a\u8fc7\u57f9\u8bad\u3001\u7814\u7a76\u6216\u5176\u4ed6\u6d3b\u52a8\u5e2e\u52a9\u5b66\u751f\u63d0\u9ad8\u4ed6\u4eec\u7684\u4e13\u4e1a\u548c\u5b66\u672f\u6280\u80fd\u3002<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">\u8d22\u52a1\u63f4\u52a9\u4e0e\u52a9\u5b66\u91d1<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u8d22\u52a1\u63f4\u52a9\u662f\u4efb\u4f55\u4ee5\u91d1\u94b1\u4e3a\u57fa\u7840\u7684\u63f4\u52a9\uff0c\u7528\u4e8e\u652f\u4ed8\u5927\u5b66\u8d39\u7528\u3002\u8fd9\u4e9b\u8d39\u7528\u53ef\u80fd\u5305\u62ec\u4f60\u7684\u5b66\u4f4d\u8bfe\u7a0b\u7684\u5b66\u8d39\u548c\u8d39\u7528\u3001\u4f4f\u5bbf\u3001\u4e66\u7c4d\u548c\u7528\u54c1\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u6709\u4e0d\u540c\u7c7b\u578b\u7684\u8d22\u52a1\u63f4\u52a9\uff0c\u5b66\u751f\u52a9\u5b66\u91d1\u662f\u56fd\u9645\u5b66\u751f\u53ef\u4ee5\u9009\u62e9\u7684\u4e00\u79cd\u8d22\u52a1\u63f4\u52a9\u65b9\u5f0f\u3002\u6362\u53e5\u8bdd\u8bf4\uff0c\u6240\u6709\u7684\u5b66\u751f\u52a9\u5b66\u91d1\u90fd\u88ab\u89c6\u4e3a\u8d22\u52a1\u63f4\u52a9\uff0c\u4f46\u5e76\u975e\u6240\u6709\u7684\u8d22\u52a1\u63f4\u52a9\u90fd\u662f\u5b66\u751f\u52a9\u5b66\u91d1\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u5728\u54ea\u91cc\u627e\u5230\u8d22\u52a1\u63f4\u52a9<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u4f60\u7684\u7956\u56fd\u53ef\u80fd\u4e3a\u5176\u516c\u6c11\u63d0\u4f9b\u8d22\u52a1\u63f4\u52a9\u5956\u52b1\uff0c\u4ee5\u5e2e\u52a9\u4f60\u5728\u56fd\u5916\u63a5\u53d7\u6559\u80b2\u3002\u5728\u51fa\u53d1\u524d\uff0c\u4f60\u53ef\u4ee5\u9996\u5148\u901a\u8fc7\u4f60\u7684\u653f\u5e9c\u5f00\u59cb\u5bfb\u627e\uff0c\u6216\u8005\u5728\u62b5\u8fbe\u7f8e\u56fd\u540e\uff0c\u901a\u8fc7\u4f60\u7684\u56fd\u5bb6\u7684\u5927\u4f7f\u9986\u6216\u9886\u4e8b\u9986\u529e\u516c\u5ba4\u5bfb\u627e\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f60\u4e5f\u53ef\u4ee5\u5728\u7f8e\u56fd\u627e\u5230\u56fd\u9645\u5b66\u751f\u7684\u8d22\u52a1\u63f4\u52a9\u3002\u4e00\u4e9b\u5b66\u6821\u4e3a\u56fd\u9645\u5b66\u751f\u63d0\u4f9b\u7279\u6b8a\u7684\u63f4\u52a9\u9879\u76ee\uff0c\u5982\u5b66\u6821\u52a9\u5b66\u91d1\u3001\u5956\u5b66\u91d1\u6216\u8005\u5956\u5b66\u91d1\u3002\u8be2\u95ee\u4f60\u7684\u5b66\u6821\u7684\u8d22\u52a1\u63f4\u52a9\u529e\u516c\u5ba4\uff0c\u4f60\u53ef\u80fd\u6709\u8d44\u683c\u83b7\u5f97\u54ea\u4e9b\u8d22\u52a1\u63f4\u52a9\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7f8e\u56fd\u7684\u975e\u8425\u5229\u7ec4\u7ec7\u4e5f\u4e3a\u56fd\u9645\u5b66\u751f\u63d0\u4f9b\u8d22\u52a1\u63f4\u52a9\u3002\u4f8b\u5982\uff0c\u56fd\u9645\u6559\u80b2\u5b66\u4f1a\u63d0\u4f9b\u4e86\u4e00\u4e2a\u5956\u5b66\u91d1\u3001\u5956\u5b66\u91d1\u548c\u5956\u5b66\u91d1\u5956\u52b1\u7684\u6570\u636e\u5e93\u3002\u53e6\u4e00\u4e2a\u8d22\u52a1\u63f4\u52a9\u7684\u6765\u6e90\u662f\u5728IEFA.org\u7684\u56fd\u9645\u6559\u80b2\u8d22\u52a1\u63f4\u52a9\u6570\u636e\u5e93\uff0c\u4f60\u53ef\u4ee5\u627e\u5230\u4e13\u4e3a\u60f3\u8981\u51fa\u56fd\u7559\u5b66\u7684\u5b66\u751f\u8bbe\u8ba1\u7684\u989d\u5916\u7684\u8d22\u52a1\u63f4\u52a9\u9009\u9879\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u56fd\u9645\u5b66\u751f\u7684\u6559\u80b2\u52a9\u5b66\u91d1<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u5f53\u6d89\u53ca\u5230<a href=\"https:\/\/www.mpowerfinancing.com\/get-a-loan\">\u56fd\u9645\u5b66\u751f\u7684\u52a9\u5b66\u91d1<\/a>\u65f6\uff0c\u4f60\u4f1a\u53d1\u73b0\u5b83\u4eec\u662f\u901a\u8fc7\u79c1\u4eba\u8d37\u6b3e\u63d0\u4f9b\u8005\u63d0\u4f9b\u7684\u3002\u79c1\u4eba\u56fd\u9645\u6559\u80b2\u52a9\u5b66\u91d1\u53ef\u80fd\u901a\u8fc7\u4f60\u7684\u5b66\u6821\u6216\u901a\u8fc7\u79c1\u4eba\u94f6\u884c\u6216\u8d37\u6b3e\u4eba\u63d0\u4f9b\u3002<\/span><span style=\"font-weight: 400;\">\u9605\u8bfb\u6211\u4eec\u7684<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-student-loans-work\">\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u5982\u4f55\u8fd0\u4f5c<\/a><span style=\"font-weight: 400;\">\u7684\u5168\u9762\u6307\u5357\uff0c\u4e86\u89e3\u4f60\u9700\u8981\u77e5\u9053\u7684\u6240\u6709\u4fe1\u606f\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u9700\u8981\u6ce8\u610f\u4ec0\u4e48<\/span><b><\/b><\/h3>\n<ul>\n<li aria-level=\"1\"><b>\u8d44\u683c\u6807\u51c6\u3002 <\/b><span style=\"font-weight: 400;\">\u67e5\u770b\u8d37\u6b3e\u4eba\u7684\u7b7e\u8bc1\u3001\u5b66\u6821\u548c\u9879\u76ee\u8981\u6c42\uff0c\u4ee5\u53ca\u5176\u4ed6\u7b26\u5408\u8d44\u683c\u7684\u6807\u51c6\u3002\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u5e74\u5ea6\u767e\u5206\u6bd4\u7387 (APR)\u3002 <\/b><span style=\"font-weight: 400;\">\u6bd4\u8f83\u4f60\u63a2\u7d22\u7684\u6bcf\u4e00\u4e2a\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u7684APR\u3002\u4f60\u7684APR\u8d8a\u4f4e\uff0c\u4f60\u652f\u4ed8\u7684\u6559\u80b2\u503a\u52a1\u5c31\u8d8a\u5c11\u3002<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u8d39\u7528\u3002<\/b><span style=\"font-weight: 400;\">\u6ce8\u610f\u6559\u80b2\u52a9\u5b66\u91d1\u7684\u9ad8\u8d39\u7528\uff0c\u5982\u7533\u8bf7\u8d39\u6216\u53d1\u653e\u8d39\u3002\u8fd9\u4e9b\u8d39\u7528\u4f1a\u589e\u52a0\u4f60\u7684\u5b66\u4f4d\u501f\u6b3e\u603b\u6210\u672c\u3002<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u501f\u6b3e\u9650\u989d\u3002<\/b><span style=\"font-weight: 400;\">\u5b66\u751f\u52a9\u5b66\u91d1\u6709\u4e0d\u540c\u7684\u6700\u4f4e\u548c\u6700\u9ad8\u501f\u6b3e\u9650\u989d\u3002\u68c0\u67e5\u6559\u80b2\u52a9\u5b66\u91d1\u662f\u5426\u6ee1\u8db3\u4f60\u7684\u8d44\u91d1\u9700\u6c42\u3002<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u9700\u8981\u5171\u540c\u7b7e\u7f72\u4eba\u3002<\/b><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u7533\u8bf7\u7684\u52a9\u5b66\u91d1\u9700\u8981\u5171\u540c\u7b7e\u7f72\u4eba\uff0c\u8bf7\u786e\u4fdd\u4f60\u6ee1\u8db3\u8d37\u6b3e\u4eba\u7684\u8981\u6c42\u3002\u4f8b\u5982\uff0c\u8d37\u6b3e\u4eba\u53ef\u80fd\u8981\u6c42\u4f60\u627e\u4e00\u4e2a\u662f\u7f8e\u56fd\u516c\u6c11\u6216\u6c38\u4e45\u5c45\u6c11\u7684\u5171\u540c\u7b7e\u7f72\u4eba\u3002<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u83b7\u5f97\u8d22\u52a1\u63f4\u52a9<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u6839\u636e\u4f60\u7684\u5b66\u6821\u6216\u8d22\u52a1\u63f4\u52a9\u8ba1\u5212\uff0c\u4f60\u53ef\u80fd\u9700\u8981\u63d0\u4ea4\u67d0\u4e9b\u8868\u683c\u6765\u7533\u8bf7\u56fd\u9645\u8d22\u52a1\u63f4\u52a9\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u63d0\u4ea4\u56fd\u9645\u5b66\u751f\u8d22\u52a1\u63f4\u52a9\u7533\u8bf7<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u56fd\u9645\u5b66\u751f\u8d22\u52a1\u63f4\u52a9\u7533\u8bf7\uff08ISFAA\uff09\u662f\u4e00\u4efd\u7eb8\u8d28\u7533\u8bf7\u3002\u5b83\u662f\u4e3a\u4e86\u60f3\u7533\u8bf7\u8d22\u52a1\u63f4\u52a9\u5e76\u5728\u7f8e\u56fd\u5b66\u4e60\u7684\u56fd\u9645\u5b66\u751f\u51c6\u5907\u7684\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ISFAA\u8981\u6c42\u63d0\u4f9b\u5b66\u751f\u53ca\u5176\u7236\u6bcd\u7684\u4fe1\u606f\uff0c\u4ee5\u53ca\u5bb6\u5ead\u6536\u5165\u3001\u8d44\u4ea7\u548c\u5f00\u9500\u7b49\u8d22\u52a1\u8be6\u7ec6\u4fe1\u606f\u3002\u4f60\u8fd8\u5fc5\u987b\u5305\u62ec\u4f60\u4ece\u5176\u4ed6\u6765\u6e90\u83b7\u5f97\u7684\u73b0\u6709\u8d22\u52a1\u63f4\u52a9\u3002\u5982\u679c\u4f60\u6709\u7279\u6b8a\u7684\u8d22\u52a1\u60c5\u51b5\uff0c\u4f60\u53ef\u4ee5\u5728\u8868\u683c\u4e0a\u89e3\u91ca\u3002\u586b\u5199\u5b8c\u7533\u8bf7\u540e\uff0c\u5c06\u5176\u63d0\u4ea4\u7ed9\u8981\u6c42\u4f60\u63d0\u4f9b\u7684\u5b66\u9662\u6216\u5927\u5b66\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u5b8c\u6210\u5927\u5b66\u5956\u5b66\u91d1\u670d\u52a1\u7b80\u4ecb<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u6570\u767e\u6240\u7f8e\u56fd\u5b66\u6821\u548c\u7b2c\u4e09\u65b9\u5956\u5b66\u91d1\u7ec4\u7ec7\u5c06\u5927\u5b66\u5956\u5b66\u91d1\u670d\u52a1\uff08CSS\uff09\u914d\u7f6e\u6587\u4ef6\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u7684\u8981\u6c42\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">CSS\u7531\u5927\u5b66\u7406\u4e8b\u4f1a\u63d0\u4f9b\u3002\u8fd9\u662f\u4e00\u4e2a\u7528\u4e8e\u975e\u8054\u90a6\u8d22\u653f\u63f4\u52a9\u7684\u5728\u7ebf\u7533\u8bf7\uff0c\u5982\u5b66\u6821\u5956\u5b66\u91d1\u548c\u52a9\u5b66\u91d1\u3002\u60a8\u53ef\u4ee5\u5728<\/span><a href=\"https:\/\/profile.collegeboard.org\/PPI\/participatingInstitutions.aspx\"><span style=\"font-weight: 400;\">\u4f7f\u7528CSS\u7684\u5b66\u6821\u5217\u8868<\/span><\/a><span style=\"font-weight: 400;\">\u5728\u7ebf\u67e5\u770b\u4ed6\u4eec\u7684\u8d22\u52a1\u63f4\u52a9\u6d41\u7a0b\u3002\u56fd\u9645\u5b66\u751f\u53ef\u4ee5\u586b\u5199CSS\uff0c\u8d39\u7528\u4e3a25\u7f8e\u5143\u3002\u5982\u679c\u60a8\u9700\u8981\u989d\u5916\u7684CSS\u914d\u7f6e\u6587\u4ef6\u62a5\u544a\uff0c\u6bcf\u4efd\u62a5\u544a\u7684\u8d39\u7528\u4e3a16\u7f8e\u5143\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5373\u4f7f\u56fd\u9645\u5b66\u751f\u4e0d\u7b26\u5408\u8054\u90a6\u8d22\u653f\u63f4\u52a9\u7684\u8d44\u683c\uff0c\u586b\u5199FAFSA\u53ef\u80fd\u4e5f\u4f1a\u6709\u6240\u5e2e\u52a9\u3002\u4e00\u4e9b\u975e\u8054\u90a6\u63f4\u52a9\u9879\u76ee\u8981\u6c42\u6240\u6709\u7533\u8bf7\u4eba\uff0c\u5305\u62ec\u56fd\u9645\u5b66\u751f\uff0c\u4f5c\u4e3a\u7533\u8bf7\u6d41\u7a0b\u7684\u4e00\u90e8\u5206\u5b8c\u6210FAFSA\u3002\u91c7\u53d6\u6240\u6709\u5fc5\u8981\u7684\u6b65\u9aa4\u4ee5\u6ee1\u8db3\u8d44\u683c\u6807\u51c6\u53ef\u4ee5\u5e2e\u52a9\u60a8\u627e\u5230\u66f4\u591a\u7684\u56fd\u9645\u5b66\u751f\u8d22\u653f\u63f4\u52a9\u6765\u6e90\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u6700\u540e\u7684\u8bdd<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u8d22\u653f\u63f4\u52a9\u662f\u4e00\u4e2a\u5e7f\u4e49\u8bcd\uff0c\u7528\u6765\u63cf\u8ff0\u6765\u81ea\u7b2c\u4e09\u65b9\u6765\u6e90\u7684\u5b66\u751f\u6559\u80b2\u8d44\u91d1\u3002\u5373\u4f7f\u60a8\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u4e0d\u7b26\u5408\u7f8e\u56fd\u8054\u90a6\u8d22\u653f\u63f4\u52a9\u7684\u8d44\u683c\uff0c\u4e5f\u6709\u52a9\u4e8e\u652f\u4ed8\u60a8\u6559\u80b2\u7684\u9009\u9879\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u56fd\u9645\u5b66\u751f\u7684\u8d22\u653f\u63f4\u52a9\u5305\u62ec\u5956\u5b66\u91d1\uff0c\u52a9\u5b66\u91d1\u548c\u6559\u80b2\u52a9\u5b66\u91d1\u3002\u8fd9\u4e9b\u53ef\u4ee5\u901a\u8fc7\u975e\u8054\u90a6\u6765\u6e90\u627e\u5230\uff0c\u6bd4\u5982\u60a8\u7684\u5b66\u6821\uff0c\u5bb6\u4e61\uff0c\u6216\u8005\u72ec\u7acb\u7ec4\u7ec7\u3002\u8fd9\u4e9b\u7ec4\u7ec7\u4e3a\u56fd\u9645\u5b66\u751f\u63d0\u4f9b\u5956\u5b66\u91d1\u548c\u52a9\u5b66\u91d1\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u5e38\u89c1\u95ee\u9898\u89e3\u7b54<\/span><\/h2>\n<p><b>\u7f8e\u56fd\u7684\u56fd\u9645\u5b66\u751f\u53ef\u4ee5\u83b7\u5f97\u52a9\u5b66\u91d1\u5417\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u662f\u7684\uff0c\u7f8e\u56fd\u7684\u56fd\u9645\u5b66\u751f\u53ef\u4ee5\u83b7\u5f97\u52a9\u5b66\u91d1\u3002\u7136\u800c\uff0c\u56fd\u9645\u5b66\u751f\u5728\u53ef\u4ee5\u7533\u8bf7\u7684\u52a9\u5b66\u91d1\u7c7b\u578b\u4e0a\u9762\u4e34\u66f4\u591a\u7684\u9650\u5236\u3002\u56fd\u9645\u5b66\u751f\u4e0d\u7b26\u5408\u8054\u90a6\u52a9\u5b66\u91d1\u7684\u8d44\u683c\uff0c\u4f46\u901a\u5e38\u53ef\u4ee5\u7533\u8bf7\u975e\u8054\u90a6\u5956\u5b66\u91d1\u548c\u5b66\u751f\u52a9\u5b66\u91d1\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>FAFSA\u548c\u52a9\u5b66\u91d1\u6709\u4ec0\u4e48\u533a\u522b\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u514d\u8d39\u7533\u8bf7\u8054\u90a6\u5b66\u751f\u52a9\u5b66\u91d1\uff08FAFSA\uff09\u662f\u56fd\u5185\u5b66\u751f\u7533\u8bf7\u8054\u90a6\u52a9\u5b66\u91d1\u6240\u9700\u7684\u8868\u683c\u3002\u5982\u679c\u4f60\u662f\u56fd\u9645\u5b66\u751f\uff0c\u586b\u5199FAFSA\u4ecd\u7136\u662f\u4e2a\u597d\u4e3b\u610f\uff0c\u56e0\u4e3a\u4e00\u4e9b\u5b66\u6821\u3001\u5956\u5b66\u91d1\u9879\u76ee\u548c\u56fd\u9645\u5b66\u751f\u7684\u52a9\u5b66\u91d1\u9700\u8981\u5b83\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>\u4f60\u9700\u8981\u507f\u8fd8\u52a9\u5b66\u91d1\u5417\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u8fd9\u53d6\u51b3\u4e8e\u60c5\u51b5\u3002\u5982\u679c\u4f60\u501f\u4e86\u6559\u80b2\u52a9\u5b66\u91d1\uff0c\u4f60\u5fc5\u987b\u6839\u636e\u4f60\u7684\u52a9\u5b66\u91d1\u534f\u8bae\u507f\u8fd8\u5b83\u4eec\u3002\u5176\u4ed6\u57fa\u4e8e\u8d60\u4e88\u7684\u52a9\u5b66\u91d1\uff0c\u5982\u5956\u5b66\u91d1\uff0c\u4e0d\u9700\u8981\u507f\u8fd8\u3002<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u652f\u4ed8\u7f8e\u56fd\u6559\u80b2\u7684\u8d39\u7528\u53ef\u80fd\u4f1a\u5f88\u6602\u8d35\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u8bb8\u591a\u56fd\u5185\u548c\u56fd\u9645\u5b66\u751f\u5bfb\u6c42\u9ad8\u7b49\u6559\u80b2\u8d39\u7528\u7684\u8d22\u52a1\u5e2e\u52a9\u3002 \u8fd9\u79cd\u5e2e\u52a9\u88ab\u79f0\u4e3a\u8d22\u52a1\u63f4\u52a9\u3002\u5f53\u4f60\u8ba1\u5212\u5728\u7f8e\u56fd\u7684\u5927\u5b66\u6216\u5927\u5b66\u5b66\u4e60\u65f6\uff0c\u4f60\u53ef\u80fd\u4e5f\u542c\u8bf4\u8fc7\u56fd\u9645\u5b66\u751f\u7684\u52a9\u5b66\u91d1\u3002 \u4f46\u662f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4f55\u4e0d\u540c\u5462\uff1f\u4ee5\u4e0b\u662f\u4f60\u9700\u8981\u4e86\u89e3\u7684\u3002 \u56fd\u9645\u5b66\u751f\u7684\u8d22\u52a1\u63f4\u52a9\u7c7b\u578b \u8d22\u52a1\u63f4\u52a9\u53ef\u4ee5\u5206\u4e3a\u51e0\u79cd\u9009\u9879\u3002\u4ee5\u4e0b\u662f\u63d0\u4f9b\u7ed9\u56fd\u9645\u5b66\u751f\u7684\u4e3b\u8981\u8d22\u52a1\u63f4\u52a9\u7c7b\u578b\u3002 \u5956\u5b66\u91d1 \u662f\u4e0d\u9700\u8981\u507f\u8fd8\u7684\u5956\u52b1\u91d1\u3002\u5b83\u53ef\u80fd\u63d0\u4f9b\u7ed9\u6709\u7ecf\u6d4e\u9700\u8981\u7684\u5b66\u751f\uff0c\u6216\u8005\u6839\u636e\u5b66\u672f\u6210\u7ee9\u6388\u4e88\u7684\u5b66\u751f\u3002 \u52a9\u5b66\u91d1\u3002\u52a9\u5b66\u91d1\u662f\u53e6\u4e00\u79cd\u63f4\u52a9\uff0c\u901a\u5e38\u53ea\u8981\u4f60\u6ee1\u8db3\u52a9\u5b66\u91d1\u8ba1\u5212\u7684\u6240\u6709\u8981\u6c42\uff0c\u5c31\u4e0d\u9700\u8981\u507f\u8fd8\u3002 \u52a9\u5b66\u91d1\u3002\u6559\u80b2\u8d37\u6b3e\u5fc5\u987b\u507f\u8fd8\uff0c\u901a\u5e38\u8fd8\u8981\u52a0\u4e0a\u5229\u606f\u548c\u53ef\u80fd\u7684\u989d\u5916\u8d39\u7528\u3002\u56fd\u9645\u5b66\u751f\u901a\u5e38\u53ef\u4ee5\u83b7\u5f97\u975e\u8054\u90a6\u52a9\u5b66\u91d1\uff0c\u4f46\u8981\u6c42\u5728\u5404\u4e2a\u8d37\u6b3e\u673a\u6784\u4e4b\u95f4\u6709\u6240\u4e0d\u540c\u3002 \u5de5\u4f5c-\u5b66\u4e60\u3002\u4e00\u4e9b\u5b66\u6821\u53ef\u80fd\u5141\u8bb8\u56fd\u9645\u5b66\u751f\u53c2\u52a0\u4f7f\u7528\u975e\u8054\u90a6\u8d44\u91d1\u7684\u5de5\u4f5c-\u5b66\u4e60\u8d22\u52a1\u63f4\u52a9\u8ba1\u5212\u3002\u5b83\u8981\u6c42\u4f60\u5728\u5c31\u8bfb\u5b66\u6821\u671f\u95f4\u5de5\u4f5c\uff0c\u6709\u65f6\u5728\u6821\u56ed\u5185\u3002\u867d\u7136\u5b83\u53ea\u8986\u76d6\u4f60\u7684\u4e00\u90e8\u5206\u5b66\u6821\u8d39\u7528\uff0c\u4f46\u5de5\u4f5c-\u5b66\u4e60\u8d44\u91d1\u53ef\u4ee5\u63d0\u4f9b\u5e2e\u52a9\u3002 \u5956\u5b66\u91d1\u3002\u5956\u5b66\u91d1\u901a\u5e38\u63d0\u4f9b\u7ed9\u7814\u7a76\u751f\uff0c\u5e76\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u7684\u8d22\u52a1\u63f4\u52a9\u63d0\u4f9b\u3002\u8fd9\u4e9b\u5956\u52b1\u63d0\u4f9b\u8d22\u52a1\u63f4\u52a9\uff0c\u540c\u65f6\u901a\u8fc7\u57f9\u8bad\u3001\u7814\u7a76\u6216\u5176\u4ed6\u6d3b\u52a8\u5e2e\u52a9\u5b66\u751f\u63d0\u9ad8\u4ed6\u4eec\u7684\u4e13\u4e1a\u548c\u5b66\u672f\u6280\u80fd\u3002 \u8d22\u52a1\u63f4\u52a9\u4e0e\u52a9\u5b66\u91d1 \u8d22\u52a1\u63f4\u52a9\u662f\u4efb\u4f55\u4ee5\u91d1\u94b1\u4e3a\u57fa\u7840\u7684\u63f4\u52a9\uff0c\u7528\u4e8e\u652f\u4ed8\u5927\u5b66\u8d39\u7528\u3002\u8fd9\u4e9b\u8d39\u7528\u53ef\u80fd\u5305\u62ec\u4f60\u7684\u5b66\u4f4d\u8bfe\u7a0b\u7684\u5b66\u8d39\u548c\u8d39\u7528\u3001\u4f4f\u5bbf\u3001\u4e66\u7c4d\u548c\u7528\u54c1\u3002 \u6709\u4e0d\u540c\u7c7b\u578b\u7684\u8d22\u52a1\u63f4\u52a9\uff0c\u5b66\u751f\u52a9\u5b66\u91d1\u662f\u56fd\u9645\u5b66\u751f\u53ef\u4ee5\u9009\u62e9\u7684\u4e00\u79cd\u8d22\u52a1\u63f4\u52a9\u65b9\u5f0f\u3002\u6362\u53e5\u8bdd\u8bf4\uff0c\u6240\u6709\u7684\u5b66\u751f\u52a9\u5b66\u91d1\u90fd\u88ab\u89c6\u4e3a\u8d22\u52a1\u63f4\u52a9\uff0c\u4f46\u5e76\u975e\u6240\u6709\u7684\u8d22\u52a1\u63f4\u52a9\u90fd\u662f\u5b66\u751f\u52a9\u5b66\u91d1\u3002 \u5728\u54ea\u91cc\u627e\u5230\u8d22\u52a1\u63f4\u52a9 \u4f60\u7684\u7956\u56fd\u53ef\u80fd\u4e3a\u5176\u516c\u6c11\u63d0\u4f9b\u8d22\u52a1\u63f4\u52a9\u5956\u52b1\uff0c\u4ee5\u5e2e\u52a9\u4f60\u5728\u56fd\u5916\u63a5\u53d7\u6559\u80b2\u3002\u5728\u51fa\u53d1\u524d\uff0c\u4f60\u53ef\u4ee5\u9996\u5148\u901a\u8fc7\u4f60\u7684\u653f\u5e9c\u5f00\u59cb\u5bfb\u627e\uff0c\u6216\u8005\u5728\u62b5\u8fbe\u7f8e\u56fd\u540e\uff0c\u901a\u8fc7\u4f60\u7684\u56fd\u5bb6\u7684\u5927\u4f7f\u9986\u6216\u9886\u4e8b\u9986\u529e\u516c\u5ba4\u5bfb\u627e\u3002 \u4f60\u4e5f\u53ef\u4ee5\u5728\u7f8e\u56fd\u627e\u5230\u56fd\u9645\u5b66\u751f\u7684\u8d22\u52a1\u63f4\u52a9\u3002\u4e00\u4e9b\u5b66\u6821\u4e3a\u56fd\u9645\u5b66\u751f\u63d0\u4f9b\u7279\u6b8a\u7684\u63f4\u52a9\u9879\u76ee\uff0c\u5982\u5b66\u6821\u52a9\u5b66\u91d1\u3001\u5956\u5b66\u91d1\u6216\u8005\u5956\u5b66\u91d1\u3002\u8be2\u95ee\u4f60\u7684\u5b66\u6821\u7684\u8d22\u52a1\u63f4\u52a9\u529e\u516c\u5ba4\uff0c\u4f60\u53ef\u80fd\u6709\u8d44\u683c\u83b7\u5f97\u54ea\u4e9b\u8d22\u52a1\u63f4\u52a9\u3002 \u7f8e\u56fd\u7684\u975e\u8425\u5229\u7ec4\u7ec7\u4e5f\u4e3a\u56fd\u9645\u5b66\u751f\u63d0\u4f9b\u8d22\u52a1\u63f4\u52a9\u3002\u4f8b\u5982\uff0c\u56fd\u9645\u6559\u80b2\u5b66\u4f1a\u63d0\u4f9b\u4e86\u4e00\u4e2a\u5956\u5b66\u91d1\u3001\u5956\u5b66\u91d1\u548c\u5956\u5b66\u91d1\u5956\u52b1\u7684\u6570\u636e\u5e93\u3002\u53e6\u4e00\u4e2a\u8d22\u52a1\u63f4\u52a9\u7684\u6765\u6e90\u662f\u5728IEFA.org\u7684\u56fd\u9645\u6559\u80b2\u8d22\u52a1\u63f4\u52a9\u6570\u636e\u5e93\uff0c\u4f60\u53ef\u4ee5\u627e\u5230\u4e13\u4e3a\u60f3\u8981\u51fa\u56fd\u7559\u5b66\u7684\u5b66\u751f\u8bbe\u8ba1\u7684\u989d\u5916\u7684\u8d22\u52a1\u63f4\u52a9\u9009\u9879\u3002 \u56fd\u9645\u5b66\u751f\u7684\u6559\u80b2\u52a9\u5b66\u91d1 \u5f53\u6d89\u53ca\u5230\u56fd\u9645\u5b66\u751f\u7684\u52a9\u5b66\u91d1\u65f6\uff0c\u4f60\u4f1a\u53d1\u73b0\u5b83\u4eec\u662f\u901a\u8fc7\u79c1\u4eba\u8d37\u6b3e\u63d0\u4f9b\u8005\u63d0\u4f9b\u7684\u3002\u79c1\u4eba\u56fd\u9645\u6559\u80b2\u52a9\u5b66\u91d1\u53ef\u80fd\u901a\u8fc7\u4f60\u7684\u5b66\u6821\u6216\u901a\u8fc7\u79c1\u4eba\u94f6\u884c\u6216\u8d37\u6b3e\u4eba\u63d0\u4f9b\u3002\u9605\u8bfb\u6211\u4eec\u7684\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u5982\u4f55\u8fd0\u4f5c\u7684\u5168\u9762\u6307\u5357\uff0c\u4e86\u89e3\u4f60\u9700\u8981\u77e5\u9053\u7684\u6240\u6709\u4fe1\u606f\u3002 \u9700\u8981\u6ce8\u610f\u4ec0\u4e48 \u8d44\u683c\u6807\u51c6\u3002 \u67e5\u770b\u8d37\u6b3e\u4eba\u7684\u7b7e\u8bc1\u3001\u5b66\u6821\u548c\u9879\u76ee\u8981\u6c42\uff0c\u4ee5\u53ca\u5176\u4ed6\u7b26\u5408\u8d44\u683c\u7684\u6807\u51c6\u3002\u00a0 \u5e74\u5ea6\u767e\u5206\u6bd4\u7387 (APR)\u3002 \u6bd4\u8f83\u4f60\u63a2\u7d22\u7684\u6bcf\u4e00\u4e2a\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u7684APR\u3002\u4f60\u7684APR\u8d8a\u4f4e\uff0c\u4f60\u652f\u4ed8\u7684\u6559\u80b2\u503a\u52a1\u5c31\u8d8a\u5c11\u3002 \u8d39\u7528\u3002\u6ce8\u610f\u6559\u80b2\u52a9\u5b66\u91d1\u7684\u9ad8\u8d39\u7528\uff0c\u5982\u7533\u8bf7\u8d39\u6216\u53d1\u653e\u8d39\u3002\u8fd9\u4e9b\u8d39\u7528\u4f1a\u589e\u52a0\u4f60\u7684\u5b66\u4f4d\u501f\u6b3e\u603b\u6210\u672c\u3002 \u501f\u6b3e\u9650\u989d\u3002\u5b66\u751f\u52a9\u5b66\u91d1\u6709\u4e0d\u540c\u7684\u6700\u4f4e\u548c\u6700\u9ad8\u501f\u6b3e\u9650\u989d\u3002\u68c0\u67e5\u6559\u80b2\u52a9\u5b66\u91d1\u662f\u5426\u6ee1\u8db3\u4f60\u7684\u8d44\u91d1\u9700\u6c42\u3002 \u9700\u8981\u5171\u540c\u7b7e\u7f72\u4eba\u3002\u5982\u679c\u4f60\u7533\u8bf7\u7684\u52a9\u5b66\u91d1\u9700\u8981\u5171\u540c\u7b7e\u7f72\u4eba\uff0c\u8bf7\u786e\u4fdd\u4f60\u6ee1\u8db3\u8d37\u6b3e\u4eba\u7684\u8981\u6c42\u3002\u4f8b\u5982\uff0c\u8d37\u6b3e\u4eba\u53ef\u80fd\u8981\u6c42\u4f60\u627e\u4e00\u4e2a\u662f\u7f8e\u56fd\u516c\u6c11\u6216\u6c38\u4e45\u5c45\u6c11\u7684\u5171\u540c\u7b7e\u7f72\u4eba\u3002 \u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u83b7\u5f97\u8d22\u52a1\u63f4\u52a9 \u6839\u636e\u4f60\u7684\u5b66\u6821\u6216\u8d22\u52a1\u63f4\u52a9\u8ba1\u5212\uff0c\u4f60\u53ef\u80fd\u9700\u8981\u63d0\u4ea4\u67d0\u4e9b\u8868\u683c\u6765\u7533\u8bf7\u56fd\u9645\u8d22\u52a1\u63f4\u52a9\u3002 \u63d0\u4ea4\u56fd\u9645\u5b66\u751f\u8d22\u52a1\u63f4\u52a9\u7533\u8bf7 \u56fd\u9645\u5b66\u751f\u8d22\u52a1\u63f4\u52a9\u7533\u8bf7\uff08ISFAA\uff09\u662f\u4e00\u4efd\u7eb8\u8d28\u7533\u8bf7\u3002\u5b83\u662f\u4e3a\u4e86\u60f3\u7533\u8bf7\u8d22\u52a1\u63f4\u52a9\u5e76\u5728\u7f8e\u56fd\u5b66\u4e60\u7684\u56fd\u9645\u5b66\u751f\u51c6\u5907\u7684\u3002 ISFAA\u8981\u6c42\u63d0\u4f9b\u5b66\u751f\u53ca\u5176\u7236\u6bcd\u7684\u4fe1\u606f\uff0c\u4ee5\u53ca\u5bb6\u5ead\u6536\u5165\u3001\u8d44\u4ea7\u548c\u5f00\u9500\u7b49\u8d22\u52a1\u8be6\u7ec6\u4fe1\u606f\u3002\u4f60\u8fd8\u5fc5\u987b\u5305\u62ec\u4f60\u4ece\u5176\u4ed6\u6765\u6e90\u83b7\u5f97\u7684\u73b0\u6709\u8d22\u52a1\u63f4\u52a9\u3002\u5982\u679c\u4f60\u6709\u7279\u6b8a\u7684\u8d22\u52a1\u60c5\u51b5\uff0c\u4f60\u53ef\u4ee5\u5728\u8868\u683c\u4e0a\u89e3\u91ca\u3002\u586b\u5199\u5b8c\u7533\u8bf7\u540e\uff0c\u5c06\u5176\u63d0\u4ea4\u7ed9\u8981\u6c42\u4f60\u63d0\u4f9b\u7684\u5b66\u9662\u6216\u5927\u5b66\u3002&#8230;<\/p>\n","protected":false},"author":66,"featured_media":15823,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16,37],"tags":[],"class_list":["post-26005","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-blogs","category-guides-and-tools"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f | MPOWER Financing\u4e2d\u6587\u5b98\u7f51<\/title>\n<meta name=\"description\" content=\"\u53d1\u73b0\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u56fd\u9645\u8d22\u52a1\u63f4\u52a9\u4e4b\u95f4\u7684\u5173\u952e\u5dee\u5f02\u3002\u505a\u51fa\u6709\u5173\u8d44\u52a9\u60a8\u7684\u6559\u80b2\u7684\u660e\u667a\u51b3\u5b9a\u3002\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/\" \/>\n<meta property=\"og:site_name\" content=\"MPOWER Financing\u4e2d\u6587\u5b98\u7f51\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-28T07:48:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-09T18:00:02+00:00\" \/>\n<meta name=\"author\" content=\"Jennifer Calonia\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jennifer Calonia\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/\"},\"author\":{\"name\":\"Jennifer Calonia\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/7a735d8cf061e8e6387b1bf3306bcf49\"},\"headline\":\"\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f\",\"datePublished\":\"2023-03-28T07:48:35+00:00\",\"dateModified\":\"2025-08-09T18:00:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/\"},\"wordCount\":22,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#primaryimage\"},\"thumbnailUrl\":\"\",\"articleSection\":[\"All blogs\",\"Guides and Tools\"],\"inLanguage\":\"zh\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/\",\"url\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/\",\"name\":\"\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f | MPOWER Financing\u4e2d\u6587\u5b98\u7f51\",\"isPartOf\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2023-03-28T07:48:35+00:00\",\"dateModified\":\"2025-08-09T18:00:02+00:00\",\"author\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/7a735d8cf061e8e6387b1bf3306bcf49\"},\"description\":\"\u53d1\u73b0\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u56fd\u9645\u8d22\u52a1\u63f4\u52a9\u4e4b\u95f4\u7684\u5173\u952e\u5dee\u5f02\u3002\u505a\u51fa\u6709\u5173\u8d44\u52a9\u60a8\u7684\u6559\u80b2\u7684\u660e\u667a\u51b3\u5b9a\u3002\",\"breadcrumb\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#breadcrumb\"},\"inLanguage\":\"zh\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.mpowerfinancing.com\/zh\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#website\",\"url\":\"https:\/\/www.mpowerfinancing.com\/zh\/\",\"name\":\"MPOWER Financing\u4e2d\u6587\u5b98\u7f51\",\"description\":\"\u7f8e\u56fd\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.mpowerfinancing.com\/zh\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/7a735d8cf061e8e6387b1bf3306bcf49\",\"name\":\"Jennifer Calonia\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/57f6e39ad5999c47de4548c3866751e6205fb54427db576d9a0990bd252d7746?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/57f6e39ad5999c47de4548c3866751e6205fb54427db576d9a0990bd252d7746?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/57f6e39ad5999c47de4548c3866751e6205fb54427db576d9a0990bd252d7746?s=96&d=mm&r=g\",\"caption\":\"Jennifer Calonia\"},\"url\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/author\/jennifer\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f | MPOWER Financing\u4e2d\u6587\u5b98\u7f51","description":"\u53d1\u73b0\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u56fd\u9645\u8d22\u52a1\u63f4\u52a9\u4e4b\u95f4\u7684\u5173\u952e\u5dee\u5f02\u3002\u505a\u51fa\u6709\u5173\u8d44\u52a9\u60a8\u7684\u6559\u80b2\u7684\u660e\u667a\u51b3\u5b9a\u3002","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/","og_locale":"zh_CN","og_type":"article","og_title":"\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f","og_url":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/","og_site_name":"MPOWER Financing\u4e2d\u6587\u5b98\u7f51","article_published_time":"2023-03-28T07:48:35+00:00","article_modified_time":"2025-08-09T18:00:02+00:00","author":"Jennifer Calonia","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Jennifer Calonia","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#article","isPartOf":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/"},"author":{"name":"Jennifer Calonia","@id":"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/7a735d8cf061e8e6387b1bf3306bcf49"},"headline":"\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f","datePublished":"2023-03-28T07:48:35+00:00","dateModified":"2025-08-09T18:00:02+00:00","mainEntityOfPage":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/"},"wordCount":22,"commentCount":0,"image":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#primaryimage"},"thumbnailUrl":"","articleSection":["All blogs","Guides and Tools"],"inLanguage":"zh","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/","url":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/","name":"\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f | MPOWER Financing\u4e2d\u6587\u5b98\u7f51","isPartOf":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#primaryimage"},"image":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#primaryimage"},"thumbnailUrl":"","datePublished":"2023-03-28T07:48:35+00:00","dateModified":"2025-08-09T18:00:02+00:00","author":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/7a735d8cf061e8e6387b1bf3306bcf49"},"description":"\u53d1\u73b0\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u56fd\u9645\u8d22\u52a1\u63f4\u52a9\u4e4b\u95f4\u7684\u5173\u952e\u5dee\u5f02\u3002\u505a\u51fa\u6709\u5173\u8d44\u52a9\u60a8\u7684\u6559\u80b2\u7684\u660e\u667a\u51b3\u5b9a\u3002","breadcrumb":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#breadcrumb"},"inLanguage":"zh","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/"]}]},{"@type":"ImageObject","inLanguage":"zh","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-student-loans-and-financial-aid-differ\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.mpowerfinancing.com\/zh\/"},{"@type":"ListItem","position":2,"name":"\u5b66\u751f\u52a9\u5b66\u91d1\u548c\u8d22\u52a1\u63f4\u52a9\u6709\u4ec0\u4e48\u4e0d\u540c\uff1f"}]},{"@type":"WebSite","@id":"https:\/\/www.mpowerfinancing.com\/zh\/#website","url":"https:\/\/www.mpowerfinancing.com\/zh\/","name":"MPOWER Financing\u4e2d\u6587\u5b98\u7f51","description":"\u7f8e\u56fd\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.mpowerfinancing.com\/zh\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh"},{"@type":"Person","@id":"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/7a735d8cf061e8e6387b1bf3306bcf49","name":"Jennifer Calonia","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/57f6e39ad5999c47de4548c3866751e6205fb54427db576d9a0990bd252d7746?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/57f6e39ad5999c47de4548c3866751e6205fb54427db576d9a0990bd252d7746?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/57f6e39ad5999c47de4548c3866751e6205fb54427db576d9a0990bd252d7746?s=96&d=mm&r=g","caption":"Jennifer Calonia"},"url":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/author\/jennifer\/"}]}},"_links":{"self":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts\/26005","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/users\/66"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/comments?post=26005"}],"version-history":[{"count":1,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts\/26005\/revisions"}],"predecessor-version":[{"id":26006,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts\/26005\/revisions\/26006"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/media?parent=26005"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/categories?post=26005"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/tags?post=26005"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}