贷款的照片

偿还贷款 & 其他资源

在你大学生涯的某个阶段，你可能借过联邦学生贷款. 此外，你将被要求开始按月向你的贷款服务机构付款. This might appear as a daunting task, but with the right information, you’ll have no problem clearing your Federal Student Loan debt.

当前学生常见问题

我现在能做什么?

只要你注册的时间是半小时(6小时)或以上，你的联邦贷款就会延期. 延期是指注册至少一半时间不需要支付任何费用. 请记住，虽然利息是积累在你的直接无补贴贷款，而在延期. 你有一个选择，就是在你注册的时候还贷款. 还学生贷款没有罚款，而且还贷款可以大大减少你毕业时所欠的债务. Read more about the advantages of making payments while in school.

教育部建议“花点时间充分了解你的贷款协议和你接受的贷款类型.“同样重要的是，你借的钱不要超过你的需要，也不要超过你预期的偿还能力.

也许，你最好的资源之一实际上就是你上过的学校. The Lourdes Financial 援助 Office is more than happy to help address these very things; in fact, 这是真人游戏平台的工作!

7 Steps to Managing Your Loan Debt

  1. Understand Your Loan and Loan Agreement
  2. 管理你的借款
  3. Track Your 贷款 Online through Nation Student Loan Data System ( NSLDS.ed.政府)
  4. 做好记录
  5. Notify Your Loan Servicer and Financial 援助 Office if you:
    – Need help making your monthly payments
    - - - - - -毕业
    -休学
    – Drop below half-time enrollment status at school
    – Change your name, address, or Social Security number
    – Transfer to another school
    -经历生活中的变化，这可能会影响你的贷款偿还
  6. 开关 还款计划 if you cannot make monthly payments
  7. Consider Simplifying Repayment with 整合

退学学生常见问题:

出口咨询, Student贷款.政府和nsds

完成退出咨询是法律要求的，它提供了你需要准备偿还联邦学生贷款的重要信息。. It will assist you in understanding your loans, 还款计划, avoiding default, and prioritizing your finances.

完成直接贷款计划或FFEL计划下的补贴/非补贴贷款和PLUS贷款的退出咨询:

  • 登录网站 热门产品.政府 using your Federal Student 援助 ID (FSA ID).
  • Select “出口咨询” under “Choose 咨询 Type.”
  • 当你登录时, 你可以在国家学生贷款数据系统(nsds)中看到你的联邦学生贷款信息。, notify schools of counseling completion, and view confirmation of counseling completion.

What Happens If I Default On My Loan?

根据教育部(Department of Education)的数据，所有行业的群体违约率都有所上升:从6.0 - 7.2 percent for public institutions, from 4.0 - 4.6 percent for private institutions, and from 11.6 percent to 15 percent at for-profit schools.

Below are just some of the many consequences of default:

  • 你的全部未付贷款余额和利息将立即到期应付
  • You lose eligibility for deferment, forbearance, and 还款计划
  • You lose eligibility for additional Federal Student 援助
  • Your loan account is assigned to a 收集机构
  • 贷款将被报告为拖欠信用局，损害您的信用评级. 这会影响你买车、买房或申请信用卡的能力
  • 你的联邦和州 可扣缴税款 通过税收抵消. 这意味着美国国税局可以用你的联邦和州退税来收取你拖欠的学生贷款债务
  • Your student loan debt will increase because of the late fees, 额外的利益, 诉讼费用, 收集费用, 的律师费, and any other costs associated with the collection process

How to Avoid Defaulting On Your Loan

  • Understand your student loans and your loan debt ( www.nslds.ed.政府).
  • 找到一个 还款计划 这对你来说是最好的.
  • 经常打开并阅读贷款服务人员发送的文件，如果你的联系信息有任何变化，也要更新它们和你的财务援助办公室.

What to Do If You Default On Your Loan

  • Contact the agency that is billing you.
  • Explain your situation fully.
  • 问他们 选项 are available to get out of default.
  • 让他们和你一起工作.
  • 始终与贷款人、贷款服务人员或催收机构保持联系.

毕业生及学生常见问题

So the time has come for you to repay your student loans. The first step to repaying your loans is understanding repayment. 你用来资助你的教育的贷款现在必须偿还给你的贷款服务. One question you may be asking is “who is my loan servicer?” This question, along with many others can be answered through “ 出口咨询.”

还记得, 你必须偿还学生贷款，即使你有偿还困难，你的财务状况发生了变化, 但也有其他选择.

常见问题

What is a Federal Student Loan?

联邦学生贷款是由联邦政府资助的贷款，用于帮助支付你的教育费用. A federal student loan is borrowed money you must repay with interest.

什么是利息?

根据定义，利息是支付给贷款人以换取借款的钱. 利息按未偿还本金(贷款金额)的百分比计算. 换句话说, 利息是在一定的利率下，在你最初借的钱的基础上增加的钱.

Learn more about interest rates.

What is loan repayment and when do I have to start paying back my loans?

贷款偿还是与你的贷款服务机构建立付款安排的过程，在学生的宽限期结束后开始. 宽限期是毕业后的一段固定时间(通常是6个月), 离开学校, 或低于一半的入学时间(或真人游戏平台手机版APP下载本科生的6个学时)，然后你必须开始偿还贷款.

Who is my loan servicer and how much do I owe?

To answer this question you will need to log on to the National Student Loan Data System. This site keeps track of all your Federal Student 贷款, 你借了多少钱, how much interest has accrued, and who you need to pay your loans back to.

What if I do not repay my loans or cannot pay back my loans?

Each month you miss a payment, your loan is considered delinquent. 对于大多数联邦贷款，如果你在270天内没有还款，你的贷款就会违约. 拖欠贷款有许多负面后果，包括但不限于:

  • You lose eligibility for additional federal student aid.
  • Your loan account is assigned to a 收集机构.
  • 贷款将被报告为拖欠信用局，损害您的信用评级. 这会影响你买车、买房或申请信用卡的能力.
  • 你的联邦和州 可扣缴税款 通过税收抵消. 这意味着美国国税局可以用你的联邦和州退税来收取你拖欠的学生贷款债务.
  • 由于滞纳金、额外利息、诉讼费用等，贷款债务将会增加.
  • 你的雇主(在联邦政府的要求下)可以从你的工资中扣钱，然后把钱寄给政府. 这个过程叫做 扣发工资.

If you cannot make your monthly payment, 立即联系你的贷款服务，以建立一个你能负担得起的付款计划. Your monthly payments could be $0.

Learn more about 还款计划.

How Do I Make Payments On My Student Loan?

Setting up loan payments is just a phone call or click away. First, you will need to determine who your loan servicer(s) is. This can be done by going to the National Student Loan Data System. Now that you know who you have to repay, 你可以通过电话联系他们，也可以建立一个在线账户. 一旦你与你的贷款服务建立联系，你就可以建立你的付款安排.

The Financial 援助 Office realizes that this process can be daunting. 如果你需要任何帮助, 请随时与真人游戏平台联系，顾问可以解决您可能遇到的任何问题或顾虑，并帮助您开始申请过程.