计划和管理您的贷款
Loans are a valuable tool for financing your education. They also require careful planning and management. Knowing your loan terms and understanding your responsibilities can help you stay on track with your student loans and build a strong financial future.
还款选择和替代方案
After borrowers cease to be enrolled at least half-time, 他们开始使用他们的一次性, 六个月宽限期. Borrowers of the 联邦直接贷款 enter repayment after their 六个月宽限期 expires.
7月1日生效, 2012, the federal 政府ernment no longer pays the interest on Federal Direct Subsidized Loans after the borrowers graduate with an undergraduate degree. 所有还款方式, with the exception of the income-based repayment plan, require that each payment must be at least equal to the interest accrued on the loan between scheduled payments.
访问 studentaid.政府 for an Overview of Direct Loan and Federal Family Education Loan (FFEL) Program Repayment Plans.
标准的还款
Borrowers repaying loans under the standard repayment plan pay a fixed amount of at least $50 each month for up to 10 years, 不包括延期和缓期. This plan generally repays the loan with the lowest interest cost to the borrower.
毕业后还款
Borrowers’ payments are lower at first and then increase, usually every two years. An important feature of this plan is that no monthly payment will exceed more than three times any other monthly payment. Borrowers using this plan typically repay a greater amount of interest than they would have under the standard repayment plan.
延长还款
Borrowers may repay over a 25-year period on a standard or graduated repayment plan if they have loans totaling more than $30,在10月10日或之后是新借款人. 7, 1998.
修订后的即付即还
Borrowers’ monthly payments will be 10% of discretionary income. Payments are recalculated each year and are based on updated income and family size. Borrowers have 20 or 25 years to repay, and the unpaid portion will be forgiven. 然而, borrowers may have to pay income tax on the amount that is forgiven.
当你赚到还款时就付款
Borrowers’ maximum monthly payments will be 10% of discretionary income. Also, payments are recalculated each year and are based on updated income and family size. Borrowers have 20 years to repay, and the unpaid portion will be forgiven. 然而, borrowers may have to pay income tax on the amount that is forgiven.
基于收入偿还
Borrowers in repayment or entering repayment who have a partial financial hardship are eligible for income-based repayment. The federal 政府ernment may pay interest during a portion of the repayment period. 每月付款金额可能每年调整. The maximum repayment period under this plan may exceed 10 years.
助学还款
Borrowers’ monthly payments are based on adjusted gross income (AGI, 加上配偶的收入(如已婚), family size and the total amount of direct loans. Borrowers have 25 years to repay, and the unpaid portion will be forgiven. 然而, borrowers may have to pay income tax on the amount that is forgiven.
Income-Sensitive还款
Borrowers’ monthly payments are based on annual income. 借款人有15年的还款期限.
学生贷款合并
如果你有一笔以上的学生贷款, loan consolidation can offer a way to reduce your monthly payments and simplify loan repayment. The fixed rate is based on the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of 1 percent and cannot exceed 8.25%. You may lose certain benefits (如 cancellation benefits, interest subsidies, 等.) that were offered on the loans being consolidated.
学生贷款减免计划
学生 must repay their educational loans even if they do not complete their education, find a job related to their program of study or are unhappy with the education they paid for with their loan. 然而, certain circumstances and employment opportunities (especially in public, military and community service areas) may lead to a student’s loans being forgiven, 取消或解除. For the most updated information about loan forgiveness, please visit studentaid.政府.
学生资助申诉专员
司法特派员是独立人士, neutral third party who will assist you by researching financial aid problems or complaints and recommending solutions. The Ombudsman cannot reverse decisions, but will help contact other agencies on your behalf. Contact the Ombudsman as a last resort after you have attempted to resolve the issue yourself. 看到 监察专员的网站 有关解决冲突的建议.
提供资源
- 净价计算器
- 财务援助@ HMC门户
- 录取和经济援助公告
- 可下载的形式
- 握手求职
- CSS档案
- 免费申请联邦学生援助(FAFSA)
- 院校文献服务(IDOC)
- studentaid.政府
- 直接贷款退出咨询
- 直接退出贷款辅导指引(PDF)
- 消费者信息披露
- 外部及私人奖项
- 了解你的经济援助计划(PDF)
- 联邦直接贷款(PDF)
- 联系财政援助
- 在线提交所需文件
电邮中的个人资料
Be sure to redact all personal identifiable information (PII), 如, 社会安全号码, 出生日期, 等. 当通过电子邮件发送文档时.