{"id":185,"date":"2019-07-26T16:35:35","date_gmt":"2019-07-26T23:35:35","guid":{"rendered":"https:\/\/www.invictuscc.edu\/?page_id=185"},"modified":"2026-07-03T04:07:56","modified_gmt":"2026-07-03T11:07:56","slug":"loan-disclosures","status":"publish","type":"page","link":"https:\/\/www.invictuscc.edu\/es\/loan-disclosures\/","title":{"rendered":"Divulgaciones de Pr\u00e9stamos Educativos Privados"},"content":{"rendered":"<p class=\"wp-block-paragraph\">OFICINA RESPONSABLE: FAO<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UBICACI\u00d3N: CAT\u00c1LOGO DE ESTUDIANTES Y SITIO WEB<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">DOCUMENTO REVISADO\/ACTUALIZADO POR \u00daLTIMA VEZ: 01 DE JULIO DE 2018<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">POL\u00cdTICA Y PROCEDIMIENTO \u00daLTIMA REVISI\u00d3N\/ACTUALIZACI\u00d3N: 1 DE JULIO DE 2018<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Divulgaciones de Pr\u00e9stamos Educativos Privados<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De conformidad con la secci\u00f3n 34 CFR 668.14(b)(29)(ii), una instituci\u00f3n debe, a solicitud del solicitante, discutir la disponibilidad de ayuda financiera federal, estatal e institucional. Los miembros del personal de la Oficina de Ayuda Financiera del Allegheny College estar\u00e1n encantados de discutir con los estudiantes, futuros estudiantes y sus padres, las opciones de ayuda financiera disponibles para ellos. Los estudiantes y padres pueden calificar para pr\u00e9stamos u otra asistencia bajo los programas del T\u00edtulo IV de la Ley de Educaci\u00f3n Superior. Los t\u00e9rminos y condiciones de los pr\u00e9stamos del programa T\u00edtulo IV de la HEA pueden ser m\u00e1s favorables que las disposiciones de los pr\u00e9stamos educativos privados.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La Ley de Oportunidades de Educaci\u00f3n Superior de 2008 (Pub. L. 110-35) (HEOA) a\u00f1adi\u00f3 la secci\u00f3n 128(e)(3) a la TILA para exigir que, antes de que un prestamista educativo privado pueda consumar un pr\u00e9stamo educativo privado para un estudiante que asiste a una instituci\u00f3n de educaci\u00f3n superior, el prestamista educativo privado debe obtener el Formulario de Autocertificaci\u00f3n completado y firmado del solicitante. Las Regulaciones Finales de la Junta de la Reserva Federal publicadas el 14 de agosto de 2009 incorporan este nuevo requisito en 12 CFR 226.48(e). Muchos prestamistas de pr\u00e9stamos privados proporcionar\u00e1n el Formulario de Autocertificaci\u00f3n al prestatario estudiante. El formulario tambi\u00e9n est\u00e1 disponible aqu\u00ed en formato pdf:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Autocertificaci\u00f3n de Pr\u00e9stamo Educativo Privado en Formato PDF: http:\/\/ifap.ed.gov\/dpcletters\/attachments\/GEN1001A-AppSelfCert.pdf<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Informaci\u00f3n requerida bajo la Secci\u00f3n 128(e) de la Ley de Veracidad en los Pr\u00e9stamos (15 U.S.C. 1638(e))<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">e) T\u00c9RMINOS Y DIVULGACIONES RESPECTO A PR\u00c9STAMOS DE EDUCACI\u00d3N PRIVADA.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>DIVULGACIONES REQUERIDAS EN SOLICITUDES Y OFERTAS DE PR\u00c9STAMOS EDUCATIVOS PRIVADOS. - En cualquier solicitud de pr\u00e9stamo educativo privado, o en una oferta de pr\u00e9stamo educativo privado sin requerir una solicitud, el prestamista educativo privado deber\u00e1 divulgar al prestatario, de manera clara y visible.<\/li>\n\n\n\n<li>el rango potencial de tasas de inter\u00e9s aplicables al pr\u00e9stamo educativo privado;<\/li>\n\n\n\n<li>si la tasa de inter\u00e9s aplicable al pr\u00e9stamo educativo privado es fija o variable;<\/li>\n\n\n\n<li>limitaciones en los ajustes de la tasa de inter\u00e9s, tanto en frecuencia como en monto, o la falta de ellas, si aplica;<\/li>\n\n\n\n<li>requisitos para un codeudor, incluyendo cualquier cambio en las tasas de inter\u00e9s aplicables sin un codeudor;<\/li>\n\n\n\n<li>cargos financieros potenciales, cargos por pago tard\u00edo, penalizaciones y ajustes al capital, basados en incumplimientos o pagos atrasados del prestatario;<\/li>\n\n\n\n<li>comisiones o rango de comisiones aplicables al pr\u00e9stamo de educaci\u00f3n privada;<\/li>\n\n\n\n<li>el plazo del pr\u00e9stamo educativo privado;<\/li>\n\n\n\n<li>si los intereses se acumular\u00e1n mientras el estudiante al que se refiere el pr\u00e9stamo de educaci\u00f3n privada est\u00e9 matriculado en una instituci\u00f3n educativa cubierta;<\/li>\n\n\n\n<li>Opciones de aplazamiento de pago;<\/li>\n\n\n\n<li>criterios generales de elegibilidad para el pr\u00e9stamo de educaci\u00f3n privada;<\/li>\n\n\n\n<li>un ejemplo del costo total de un pr\u00e9stamo educativo privado durante la vida del pr\u00e9stamo.\n<ol class=\"wp-block-list\">\n<li>que se calcular\u00e1 utilizando el monto principal y la tasa de inter\u00e9s m\u00e1xima efectivamente ofrecida por el prestamista educativo privado; y<\/li>\n\n\n\n<li>calculado tanto con como sin la capitalizaci\u00f3n de intereses, si existe la opci\u00f3n de posponer el pago de intereses; el prestamista educativo privado puede proporcionar) despu\u00e9s de la fecha en que la solicitud de la educaci\u00f3n privada<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><br>DIVULGACIONES ADICIONALES SOBRE PR\u00c9STAMOS ESTUDIANTILES PARA INVICTUS CAREER COLLEGE<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A. Requisitos del avalista<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se requiere un aval para este pr\u00e9stamo estudiantil si no puedes cumplir con nuestros criterios de cr\u00e9dito por tu cuenta. Si cumples con nuestros criterios de cr\u00e9dito, no necesitar\u00e1s un aval para tu pr\u00e9stamo. Si solicitas con un aval, o cumples con nuestros criterios de cr\u00e9dito por tu cuenta, tu pr\u00e9stamo podr\u00eda ser menos costoso.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>B. Informaci\u00f3n de pago del pr\u00e9stamo<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El pago de tu pr\u00e9stamo comienza aproximadamente treinta d\u00edas despu\u00e9s del d\u00eda en que te prestamos el dinero. Durante y hasta por 10 meses despu\u00e9s de tu per\u00edodo inicial de inscripci\u00f3n en una instituci\u00f3n educativa calificada a tiempo parcial (al menos medio tiempo), estar\u00e1s obligado a realizar solo pagos de intereses sobre tu pr\u00e9stamo. Este per\u00edodo de pago de solo intereses no puede exceder los 60 meses. Despu\u00e9s de este per\u00edodo de pagos de solo intereses, deber\u00e1s realizar pagos que consistan en capital e intereses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Puedes pagar el pr\u00e9stamo total o parcialmente en cualquier momento sin penalizaci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C. T\u00e9rminos y Condiciones Adicionales<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Su pr\u00e9stamo est\u00e1 sujeto a todos los t\u00e9rminos y condiciones de su contrato de cr\u00e9dito\/pagar\u00e9. Por favor, lea atentamente su contrato de cr\u00e9dito\/pagar\u00e9, ya que puede incluir t\u00e9rminos bajo los cuales la tasa de inter\u00e9s del pr\u00e9stamo puede cambiar. Para obtener una copia de su contrato de cr\u00e9dito\/pagar\u00e9, por favor contin\u00fae con esta solicitud o contacte a Iowa Student Loan al (800) 542-6005.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>D. Consecuencias del Incumplimiento del Pr\u00e9stamo<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Existen graves consecuencias si incumples con este pr\u00e9stamo. Por ejemplo, en circunstancias normales, los pr\u00e9stamos estudiantiles no son cancelables mediante bancarrota. Para poder cancelar un pr\u00e9stamo en bancarrota, el prestatario debe demostrar una dificultad indebida en un proceso contradictorio ante el tribunal de quiebras.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Las consecuencias adicionales del incumplimiento de este pr\u00e9stamo incluyen:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El prestamista puede informar el historial de pagos atrasados a las agencias de informes crediticios, lo que afectar\u00e1 negativamente su calificaci\u00f3n crediticia y su capacidad para obtener m\u00e1s cr\u00e9dito.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><sub>l<\/sub>&nbsp;<em>Los intereses seguir\u00e1n acumul\u00e1ndose sobre el saldo de capital pendiente<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><sub>l<\/sub>&nbsp;<em>El prestamista puede tomar acciones legales<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><sub>l<\/sub>&nbsp;<em>El prestatario puede dejar de ser elegible para futuros pr\u00e9stamos del prestamista<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>OFFICE RESPONSIBLE: FAO LOCATION: STUDENT CATALOGUE AND WEBSITE DOCUMENT LAST REVIEWED\/UPDATED:&nbsp; JULY 01, 2018 POLICY AND PROCEDURE LAST REVIEWED\/UPDATED: JULY 01, 2018 Private Educational Loan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-185","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Private Educational Loan Disclosures | Invictus<\/title>\n<meta name=\"description\" content=\"Private educational loan disclosures from Invictus Career College, provided in accordance with federal regulation 34 CFR 668.14 for student borrowers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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