防止学生贷款违约
Default is a legal term used when a borrower fails to repay a loan according to the terms of the signed promissory note. 申请联邦直接学生贷款或家长贷款, 默认的 occurs when the borrower fails to make a payment for 270 days under the normal repayment plan 和 has not requested deferment of payment according to the Department of Education's st和ards.
借款人的权利和责任
As a student loan borrower, it is important for you to underst和 your rights 和 responsibilities.
有宽限期是你的权利, 提前偿还贷款而不受处罚, 索取你的MPN副本, to request documentation that your loan is paid in full, 选择一个还款计划, 通知你的还款日期, 和 to be informed of 和 provide consent of any changes in the terms of your loan.
It is your responsibility to complete an exit counseling session, 偿还你的贷款, to notify your lender with current contact information, 每月按时付款, to notify your lender of your eligibility of a deferment or cancellation of loan 和/or payments, to use proceeds of loans for educationally related purposes, 和 to make payments even if you do not receive a payment statement. If you're not sure where to begin on your budget, use the 预算的计算器.
退出贷款咨询
As a student loan recipient, you are required to complete an exit counseling session. Exit counseling helps you to underst和 your rights 和 responsibilities as a student loan borrower. 当你毕业的时候，你需要做离职咨询, drop below a half-time (six hours) enrollment status, 退出你所有的课程, 停止参加, 或者转到另一所学校.
You may complete your exit counseling session at StudentAid.政府.
偿还贷款
毕业后, leave school or drop below a half-time (six hours) enrollment status, 您的贷款进入宽限期. 这一一次性宽限期为六个月. Your repayment period begins the day after your grace period ends. Your first payment will be due once your repayment period begins.
Your loan servicer will notify you with information about repayment. 当你要偿还学生贷款的时候, you can select a repayment plan that is right for your financial situation. Generally, you'll have from 10 to 25 years to repay your loans.
查看…的详细信息 还款计划, 模拟贷款偿还 和 查看服务信息，请浏览 StudentAid.政府.
整合
在这个项目下, you could combine all of your student loans under one lender 和 one monthly payment. A consolidated loan can reduce monthly payments; however, the interest rate could increase 和 your repayment period may be extended.
给苦苦挣扎的借款人的建议
Contact your loan servicer if you cannot make payments. Your loan servicer will work with you to determine the best option for you.
您的选择包括:
- 找到一个适合你的还款计划. Please visit our repaying your loans section for a full list of repayment options.
- Postponing your payments through deferment if certain conditions are met. Deferment suspends payments 和 the interest from accruing on your subsidized student loan.
- Postponing your payments through forbearance if you do not meet conditions for a deferment. Your loan servicer can temporarily postpone payments on your student loan for a certain period of time; however, interest continues to accrue on your student loan.
- Canceling all or part your loan if you meet certain conditions.
犯罪
If you stop making payments on your student loan, your account will become delinquent. A 拖欠贷款 会导致滞纳金吗, 影响你的信用, 和 prevent you from receiving future financial aid funding.
资金管理
We have some tips to help you manage your money wisely 和 be a responsible student borrower: create a spending budget, remember that loan payments are fixed payments just like your rent, credit cards 和 store charge cards are loans too, 阅读你所有的信件和电子邮件, set up an online account with your lender/servicer-many provide automatic notification options 和 apps for smartphones.
Certain education costs can be used as tax benefits. You can also use your student loan interest as a deduction. 学费和杂费也可以扣除. 参观 国税局的网站 了解更多信息.
违约的学生贷款解决方案
学生贷款将进入 默认的 when you fail to make payments 和 your account is 270 days delinquent. 一旦贷款被视为违约, 全部余额(本金), interest 和 collection fees) is immediately due.
如果你违约, it means you failed to make payments on your student loan according to the terms of your promissory note, the binding legal document you signed at the time you took out your loan. In other words, you failed to make your loan payments as scheduled. 你的学校, the financial institution that made or owns your loan, 你的贷款担保人, 和 the federal 政府ernment all can take action to recover the money you owe. 以下是违约的一些后果:
- National credit bureaus can be notified of your 默认的, 这会损害你的信用评级吗, 让人们难以买车或买房.
- You will be ineligible for additional federal student aid.
- Loan payments can be deducted from your paycheck.
- State 和 federal income tax refunds can be withheld 和 applied toward the amount you owe.
- You will have to pay late fees 和 collection costs on top of what you already owe.
默认选项后的选项
You have three options to remove the 默认的 status: paying the loan in full, 康复或巩固.
- 你可以全额偿还贷款. This is the fastest way to resolve your 默认的ed loan status.
- You can rehabilitate a loan by making nine voluntary, 连续每月按时付款. 在康复, you can regain eligibility for financial aid after making six voluntary, 连续每月按时付款.
- You can consolidate by combining all your federal education loans. Consolidating is an option as long as the loans are currently in a grace period or repayment status.
资源
Please use these resources to find out more information on your student loan.