偿还贷款:常见问题

你必须偿还为上大学而借的贷款!

我什么时候可以开始偿还贷款? 

Loan repayment for federal student loans normally begins 6 months after you graduate. 例子:  If you graduate in May, you can expect repayment to likely begin in November.  You will be asked to pay a monthly amount which is determined by the total loan amount you borrowed.

我在哪里可以找到更多关于我借了多少贷款的信息?

关于你所借的联邦学生贷款的信息可以在 studentaid.政府.  联邦网站(studentaid.政府) provides information about your federal student loans including loan amounts disbursed, 未付本息, 你所有联邦贷款的总额, 以及每笔联邦贷款的服务机构名称.

Sign into the federal website by using the same logon information you used for your FAFSA

如果我借私人贷款怎么办?  我从哪里可以获得这些贷款的信息?

You may review the 金融援助 Award Notices you received from the 金融援助 Office each year or you may view the Promissory Notes you signed for the Private Loans. 

我应该把我的月供寄给谁来偿还我的贷款?

The Loan “Servicer” is a company that collects the payments from you as you are repaying your loans.  Beginning with the 2010-2011 school year, there was a change in the federal student loan program.  如果你在那一年之前借了联邦学生贷款, 您最终可能会有多个贷款服务机构.  This means each month you will receive bills from different companies requesting payment for that month for your federal student loans.

You can find the name of your Loan Servicers for your federal student loans by visiting studentaid.政府.  

如果你借了私人贷款，这些贷款将有自己的服务.  However information about your private loans will NOT be on the federal website. 

What can I do so that I don’t have my federal loans with different Servicers?

If you do not want to pay your federal loans with different companies each month, 你可能需要考虑合并你的贷款.  贷款整合 allows you to move all of your Federal Student Loans to one Loan Servicer so you can make one monthly payment to one company to repay all of your Federal Student Loans.  有关贷款合并的更多资料，请浏览: studentaid.政府.

美国.S. Department of Education will not consolidate Private Loans with Federal Student Loans!  然而，一些私人公司可能会提供这种类型的整合.  Make sure you do your research so you know what you are getting into if you are considering this option.  另外, some of the private loan lenders may offer a consolidation program for just your Private Loans.  如需更多资料，请浏览 http://www.finaid.org/loans/privateconsolidation.phtml

如果我不能支付贷款服务人员要求的月供怎么办?

如果您不能支付贷款服务机构要求的每月金额, 你应该联系贷款服务机构 立即!  如果您不支付所要求的款项, your status will become “Delinquent” and continued non-payment will lead to “Default”.

永远不要拖欠贷款! 违约意味着你将有“不良信用”。.

“不良信用”指:

  • 你将不被允许购买你需要的东西，比如汽车、房子等. 
  • You may also not be able to rent an apartment if the landlord checks your credit history and finds the “bad credit”
  • 如果你有“不良信用”，有些雇主可能不会雇佣你。 
  • 你不能再借联邦学生贷款了, 例如, 如果你打算读研究生的话
  • The federal 政府ernment may garnish your wages (take money out of your pay check) or take your federal tax refund to try and repay some of the money you borrowed.

重要的! If you cannot pay the amount requested on your bill, contact your Loan Servicer!   

You may be able to request a Forbearance (a time period in which you do not make payments on your loans).  Your Loan Servicer may also suggest that you change your Repayment Plan for your Federal Student Loans.  There are loan Repayment Plans offered for Federal Student Loans that may lower the amount of your monthly payment.

Is there any way that I can reduce the amount of the Federal Student Loans I borrowed?

The 公共服务贷款豁免 program was implemented to encourage individuals to work full-time in Public Service jobs.  This program may allow federal student loan borrowers to qualify for forgiveness of their remaining loan balance, once the borrower makes 120 payments (10 years) on their eligible federal student loans.

只有直接贷款才有资格获得公共服务贷款豁免.  Students may consolidate their loans into a Direct Consolidation Loan to take advantage of the 公共服务贷款豁免 program offered by the federal 政府ernment.  欲知详情，请浏览 studentaid.政府 and select “Forgiveness, Cancellation, and Discharge” under the heading “Repay Your Loans”.

什么是贷款合并?

Loan consolidation allows you to combine multiple federal student loans into one loan.  结果是一个月的付款，而不是多次付款.  The federal Direct Loan program offers consolidation to federal loan borrowers.  studentaid.政府.

还款期限

The repayment term for the loan starts over, giving students longer to repay their loan. A longer repayment term may result in lower monthly payments but will ultimately increase the amount the borrower will pay over the life of the loan since more interest will accrue during a longer repayment period.

利率

A single fixed rate based on the weighted average of the interest rates of those loans being consolidated rounded up to the nearest one-eighth of 1%.

自动借记福利

有资格获得0分.25% interest rate reduction if the loan is repaid through the servicer’s automatic debit system.