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财政援助和奖学金办公室
For students not currently enrolled at least half time, the student loan payment pause 正在结束. 九月恢复利息. 2023年12月到期,10月份到期. 借款人 can lower their payments, even to $0, by enrolling in the new 拯救计划. 了解如何 政府正在支持借款人.
Whether you are returning to repayment for the first time since 2020 or making your first ever student loan payment, you can set yourself up for success by preparing 早期. No matter your circumstances, the steps outlined below will walk you through the process and connect you with 资源 for additional support.1. 更新个人信息. To ensure that you have the most accurate information ahead of resuming your student loan repayments, you can log in to studentaid.政府使用 你的FSA ID.2. 确认你的学生贷款服务商. 通过 studentaid.政府, you will be able to update your personal contact information and confirm your student 贷款服务机构. If you don’t know who your servicer is, you can find out by logging 关于学生援助.政府 and visiting the “My Loan Servicers” section of your dashboard. That section of the dashboard will also give you the servicer’s contact information. Since the student loan payment pause came into effect at the beginning of the COVID-19 emergency, it is possible that your servicer may have changed their name or changed 完全属于另一个实体.3. Log in to your student 贷款服务机构 account and update your contact information. Once you confirm your 贷款服务机构, you should create an account or log in to an existing 一个 via the servicer’s website to review your personal contact information. It is important to keep your contact information current on your servicer account so that they can reach you with important updates.4. Reauthorize or select auto debit for monthly payments. 如果你之前签过 up for automatic debit before the payment pause began, you must reauthorize or select automatic debit through your 贷款服务机构 account. 这将允许你偿还贷款 to be automatically withdrawn from your bank account every month. 如果你有直接的 loans, 一个 of the benefits of signing up for automatic debit is a 0.25%的利率 扣除.5. 使用学生辅助工具.政府 and servicer’s portal to ensure your repayment plan 是最合适的. 有各种各样的 资源 that can help you choose the student loan repayment plan that is best for you and 你的需求.
When it comes time to start repaying your student loan(s), you can select a repayment 根据你的财务状况制定合适的计划. 一般来说,你会有10个 to 25 years to repay your loan, depending on which repayment plan you choose. 看来, 还款计划,查看还款选项列表.
If you are temporarily unable to meet your repayment obligation, you may be granted a forbearance, which lets you postp一个 or reduce your payments for an agreed upon 时间段. You will still be responsible for any interest that accrues during the forbearance period, but you may be able to pay it later. 延期是暂时的 suspension of loan payments for specific situations such as re-enrollment in school, 失业或经济困难. 在大多数情况下,你需要提交延期申请 向直接贷款服务中心提出申请. 延期可能需要30天或更长时间 要处理,所以要尽快归档. 你必须继续付款,直到 you receive notice that your deferment has been approved. 欲知更多有关 忍耐与延迟,请访问WWW.studentlns.政府.
The Budget Control Act of 2011 eliminates the authority of the Department of 教育 to offer any repayment incentives to Direct Loan borrowers to encourage on-time repayment of loans, including any reduction in the interest rate or origination fee. 因此, the up-front interest rebate that was provided to DL borrowers at the time of loan disbursement will not be offered on any Direct Loan with a first disbursement date 即在2012年7月1日或之后. 唯一批准的减息措施是 for those borrowers who agree to have their payments automatically electronically 记入借方.
如果你不偿还贷款.Delinquencies, or a monthly payment more than 30 days late, are reported to credit 局. This can hurt your chances for obtaining loans in the future, for cars, a 回家等. Also you may lose eligibility for further financial aid, deferments and 缓一缓,直到过失被澄清为止. 当没有时发生默认 付款期限为270天. In the event you go into default on your loan, be aware 下列处罚之一: