资金管理
As part of their education, college students should develop basic money management
以最少的债务按时毕业的技能. 我们的办公室有
compiled a list of resources that are useful in learning how to manage money and plan
为了一个成功的财务未来:
财政援助意识
直接贷款创建了 财政援助意识咨询 to assist students with necessary information for being a responsible loan borrower. 的 财政援助意识咨询是一个工具，旨在帮助学生了解 他们作为借款人的责任. 虽然这种咨询不是必需的，但却是必需的 strongly encouraged that students take advantage of the information provided in this 咨询工具.
制定预算
的re are many useful resources designed to help students create a budget while in 学校和毕业后. 下面列出了一些帮助创建的选项 个人预算.
债务管理
It is important for students to understand how to manage their loan debt as a student 贷款借款人在上大学期间，并在他们获得学位后. 的 following links provide important information used for student loan debt management.
负责借贷
学生 can view this informative video created by the 部门 of Education regarding 负责借款:
偿还贷款
It is important for students to understand their responsibility to repay their student 在他们的第一笔还款到期之前贷款. 部分责任包括 familiarizing themselves with how their grace period functions, who services their 学生贷款，以及可供选择的还款类型.
While students are not required to begin making payments on their student 贷款 while they are still enrolled, they should be aware of their grace period and how it functions. A grace period is a short time period after graduation during which the borrower is 不需要开始偿还他或她的学生贷款. 宽限期也可以 如果借款者因为毕业或辍学以外的原因离开学校，你就会介入 半日以下入学. 根据贷款的类型，学生将有宽限期 period of six months (直接贷款) or nine months (Perkins Loans) before they 必须 开始偿还学生贷款. PLUS贷款没有宽限期.
贷款服务商是一家收集付款，响应客户服务的公司
inquiries, and performs other administrative tasks associated with maintaining a federal
代表贷款人的学生贷款. 如果学生不确定哪家公司持有他们的
federal student 贷款 and/or need their contact information, they should visit the
国家学生贷款数据库系统.
下面的图表来自 StudentAid.政府 概述每种类型的还款选项，包括每月付款和时间框架 偿还. 值得注意的是，学生可以改变他们的还款计划 随时联系他们的贷款服务人员.
| 还款计划 | 符合条件的贷款 | 每月付款和时间框架 | 快速的比较 |
| 标准的还款 |
直接补贴和非补贴 有补贴和无补贴的联邦斯塔福德贷款 所有PLUS贷款 |
付款是每月至少50美元的固定金额. 长达10年 |
You'll pay less interest for your loan over time under this plan than you would under 其他计划. |
| 毕业后还款 |
直接补贴和非补贴 有补贴和无补贴的联邦斯塔福德贷款 所有PLUS贷款 |
一开始付款较低，然后通常每两年增加一次. 长达10年 |
随着时间的推移，你将比10年标准计划支付更多的贷款. |
| 延长还款 |
直接补贴和非补贴 有补贴和无补贴的联邦斯塔福德贷款 所有PLUS贷款 |
付款可以是固定的，也可以是分级的. 长达25年 |
你的月供将低于10年标准计划. 如果你是直接贷款借款人，你必须有超过$30,000的未偿贷款 直接贷款. If you are an FFEL borrower, you 必须 have more than $30,000 in outstanding FFEL Program 贷款. 例如:如果你有35,000美元的未偿FFEL计划贷款和10,000美元 直接贷款, you can use the 延长还款 计划 for your FFEL Program 贷款, 但不包括你的直接贷款. 对于这两项计划，您还必须是1998年10月7日之前的“新借款人”. You will pay more for your loan over time than you would under the 10-year Standard 计划. |
| 入息还款(IBR) |
直接补贴和非补贴 有补贴和无补贴的联邦斯塔福德贷款 所有PLUS贷款提供给学生 Consolidation Loans (Direct or FFEL) that do not include Direct or 附加贷款 致父母 |
Your maximum monthly payments will be 15% of your discretionary income (the difference between your Adjusted Gross Income and 150% of the poverty guideline for your family 居住面积和国家(其他条件适用). 你的支付随着收入的变化而变化. 长达25年 |
你一定有部分经济困难. 你的月供将低于10年标准计划的月供. 随着时间的推移，你将比在10年期标准贷款下支付更多的贷款 计划. If you have not repaid your loan in full after 25 years of qualifying monthly payments, 任何未偿还的贷款余额都将被免除.
|
| 当你赚到还款时就付款 |
直接补贴和非补贴 为学生提供的直接PLUS贷款 直接合并贷款 that do not include (Direct or FFEL) PLUS Loans made to 父母 |
Your maximum monthly payments will be 10% of your discretionary income (the difference between your Adjusted Gross Income and 150% of the poverty guideline for your family 居住面积和国家(其他条件适用). 你的支付随着收入的变化而变化. 长达20年 |
You 必须 be a new borrower on or after October 1,2007, and 必须 have received a disbursement 2011年10月1日或之后的直接贷款. 你一定有部分经济困难. Your monthly payments will be lower than the payments under the 10-year Standard 计划. 随着时间的推移，你将比在10年期标准贷款下支付更多的贷款 计划. 如果你在赚了相当于20美元的钱后还没有全额偿还贷款 years of qualifying monthly payments, any outstanding balance on your loan will be 原谅. 你可能要为免税的部分缴纳所得税.
|
| 助学还款 |
直接补贴和非补贴 为学生提供的直接PLUS贷款 直接合并贷款 |
Payments are calculated each year and are based on your Adjusted Gross Income, family 你的直接贷款的规模和总额. 你的支付随着你收入的变化而变化. 长达25年 |
随着时间的推移，你将比在10年期标准贷款下支付更多的贷款 计划. If you do not repay your loan after making the equivalent of 25 years of qualifying 每月付款，未付的部分将被免除. 你可能要为免税的部分缴纳所得税. |
| Income-Sensitive还款 |
有补贴和无补贴的联邦斯塔福德贷款 附加贷款 FFEL合并贷款 |
你的月供是按年收入计算的. 你的支付随着收入的变化而变化. 长达10年 |
随着时间的推移，你将比在10年期标准贷款下支付更多的贷款 计划. Each lender's formula for determining the monthly payment amount under this plan can 不同. |
Please note that Perkins Loan repayment is not covered under any of the above mentioned 还款计划. 请致电(251)460-6195或 studentaccounting@dctdsj.com 查阅有关偿还珀金斯贷款的资料.
我们的办公室有 assembled a chart to help demonstrate the impact responsible borrowing 对学生每月的学生贷款支付的影响:
|
贷款金额 |
每月的付款 |
付款金额 |
已付利息总额 |
支付总额 |
|
$1,000 |
$50.00 |
22 |
$76.87 |
$1,076.87 |
|
$1,500 |
$50.00 |
34 |
$179.19 |
$1,679.19 |
|
$2,000 |
$50.00 |
47 |
$333.94 |
$2,333.94 |
|
$2,500 |
$50.00 |
62 |
$555.12 |
$3,051.12 |
|
$3,000 |
$50.00 |
77 |
$843.97 |
$3,843.97 |
|
$3,500 |
$50.00 |
95 |
$1,230.30 |
$4,730.30 |
|
$4,000 |
$50.00 |
115 |
$1,735.12 |
$5,735.12 |
|
$5,000 |
$66.66 |
120 |
$2,279.66 |
$7,279.66 |
|
$7,500 |
$91.00 |
120 |
$3,419.48 |
$10,919.48 |
|
$10,000 |
$121.33 |
120 |
$4,559.31 |
$14,559.31 |
To estimate a monthly student loan payments based on borrowing history, please visit 还款估算器在 http://studentaid.gov/loan-simulator/.
失踪的支付
拖欠助学贷款是有后果的. 学生的账户变成 一旦他们未能按时付款，可能会被收取滞纳金. 如果借款人多次拖欠还款，贷款就会违约.
默认的
A loan is in default when the borrower fails to pay several regular installments on
时间(我.e.(逾期270天付款)或以其他方式不符合条款和
贷款条件. 如果学生拖欠贷款，大学，债权人
of the loan, the state 政府ernment and the federal 政府ernment can take legal action
to recover the money, including garnishing wages and withholding income tax refunds.
拖欠政府贷款将使学生没有资格获得未来的联邦政府贷款
financial aid, unless a satisfactory repayment schedule is arranged, and can affect
学生的信用等级.
If a student is having trouble making payments, they should contact their loan servicer 尽快讨论可能的选择. 两种最常见的安排 是拖延和忍耐;
延期
当借款人被允许推迟偿还贷款时发生. 如果学生有 直接补贴贷款期间的利息由联邦政府支付 缓期. 如果一个学生有直接无补贴贷款，这个学生是 对延期期间产生的利息负责.
Payments towards interest charges can be postponed by capitalizing the interest, which 会增加贷款规模吗. 大多数联邦贷款项目允许学生延期 他们至少有一半的时间是在校期间的贷款. 如果学生不符合条件 为了延期，他们可能会得到宽容. 不能批准延期 如果贷款违约.
忍耐
Occurs when a borrower does not qualify for a deferment, but is still experiencing
难以偿还学生贷款. 借款人可以选择停止(12个月)
支付一年的学生贷款或减少月供
到一个更容易控制的数量. 贷款余额仍将继续产生利息
(补贴，无补贴和加)如果他们被安置在忍耐. 学生必须
apply 的忍耐 and submit any documentation requested by their loan servicer.
宽容有两种类型:自由裁量和强制.
- 可自由支配的忍耐: With this option, the lender determines if the student loan borrower meets the qualifications
的忍耐. 在这种情况下，可以提出酌情容忍的请求
下面列出:
- 疾病
- 经济困难
- 强制性的忍耐:有了这个选项，贷款人 必须 grant student loan borrowers forbearance if they meet the following criteria (from
studentaid.政府). :
- 这个学生在a medical or dental internship or residency program, and 满足特定的要求.
- 的 total amount owed each month for all the student 贷款 you received is 20 percent 学生每月总收入的一半或以上(附加条件适用).
- 这个学生在a 国家服务职位，他们因此获得了国家服务奖.
- 该学生从事的教学服务有资格获得 教师贷款减免.
- 该学生有资格获得部分偿还其在美国的贷款.S. 部门 国防学生贷款偿还计划.
- 的 student is a member of the National Guard and have been activated by a 政府ernor, 但没有资格申请军事延期.