Before Loan Repayment

As a borrower, you may prepay all or any part of the unpaid student loan balance at any time without penalty. Payments will be applied first to any accrued unpaid interest and fees with any remaining amount applied to principal.

• 直接补贴/非补贴，FFEL Stafford, PLUS, and alternative loan servicers will provide assistance regarding payments made during grace and deferment periods. Log in at StudentAid.gov 并查看列出的每个贷款的详细信息，以获取服务人员的联系信息
• 帕金斯，护理，和SPU机构贷款，联系 学生财务服务 浏览宽限期和延期付款期间的付款资料.

利息开始累积在无补贴的直接, FFEL Stafford, PLUS, 以及支付时的替代贷款. 你可以选择随增随付，也可以选择随增随付, 如果你选择让它累积, it will be added to the principal balance of your loan when it enters repayment in a process called “capitalization.“资本化增加了贷款的总成本. 

例如，一笔3500美元的贷款，利率为6.8%:

• If you paid the $19.83 interest each month while in school, 在贷款期间，你总共要支付950美元的利息. (Length of repayment: 7.5 years.)
• 如果你不付利息的话 在学校的时候也借了同样的钱, 你总共要付1美元,在你的贷款期限内，利息为486英镑. (Length of repayment: 9.6 years.)

Following your last day of half-time (6 undergraduate credits or 3 graduate credits) or greater enrollment, 在你开始偿还贷款之前，你的贷款可能会进入一个宽限期. 宽限期的长短取决于贷款的类型:

• 直接补贴/非补贴，FFEL Stafford, Grad PLUS 机构贷款: six months.
• 珀金斯和护理贷款:9个月.
• 替代(私人)贷款:与您的贷方或贷款服务机构核实.

如果你在宽限期结束前回到半日或更长的注册时间, the entire grace period will be available when you next drop to less than half-time status, withdraw, or graduate.

如果你在宽限期结束后回到半日或更长的注册时间, the loans on which the grace period has expired will be eligible for in-school deferment but will not receive another grace period prior to repayment. 这些贷款立即偿还, 包括借款人入学时间少于半天的任何期间.

Prepare for repayment

Your grace period is an excellent time to create a realistic budget for your income and expenses, 包括所有贷款.

• 预算信息和交互式工作表可在 CashCourse 并且可以从您的贷款服务机构或您的银行获得.
• 提供财务意识咨询和退出咨询 StudentAid.gov 还包括预算和贷款偿还信息.

Review of the repayment plans 提供直接补贴/无补贴，FFEL Stafford和PLUS贷款和 loan consolidation options may be helpful to achieve a total monthly loan payment amount that fits within your budget.

您的贷款服务机构将在还款前向您发送有关贷款的信息. Be sure to read all communications from your loan servicers carefully and contact them if you have any questions.

• 直接补贴/非补贴，FFEL Stafford, PLUS, and alternative loan servicer(s) will send you information about the date your loan will enter repayment, 最低付款金额, and other information. 您也可以从您的贷款服务机构获得在线信息。.
• Perkins, Nursing, 机构贷款 exit counseling documents provide repayment information. 你也可以在网上查看还款信息 Heartland ECSI.
• 当需要改变的时候, update your contact information with each of your loan servicers to ensure that you receive all notifications.

Your loan servicer(s) will provide monthly statements or coupon books for payment of your loans. 也可以通过电子邮件或文本通知.

• Online payments 可以通过贷款服务商的网站进行吗.
• Automatic debit payments 可透过你的贷款服务机构安排. 这些款项直接从你的支票或储蓄账户中提取. 有些贷款可以通过自动借记方式付款.

Contact your loan servicer(s) or review your servicer website(s) for additional information.

If you have trouble making your loan payment, don't wait — contact your loan servicer immediately.

直接资助/非资助的利率, FFEL Stafford, and PLUS loans are specific to the type of loan and academic year that the loan was borrowed in. 有关这些贷款利率的信息可在 StudentAid.gov. The interest rate for each loan will be available from your loan servicer(s) and in the details for each loan record maintained at StudentAid.gov.

Perkins, nursing, and SPU institutional loans have a fixed interest rate of 5 percent.

应计利息和资本化

Unsubsidized loans

• At disbursement, interest 开始产生(或积累) on 无补贴直接贷款、FFEL Stafford贷款、PLUS贷款和替代贷款. 你可以选择在利息累积时支付, 或者如果你选择让它累积, it will be added to the principal balance of your loan when it enters repayment in a process called “capitalization.”
• 资本化增加了您的贷款成本，如下例所示:
  • Loan amount: $3,500
  • Interest rate: 6.8%
  • 估计每月利息:19美元.83
  • 还款前的延期期限:36个月
• If you pay the $19.83 interest each month while in school, you will pay a total of $950 in interest 在你的贷款期限内(还款期限:7).5 years).
• 如果你不付利息的话 在同一笔贷款中，在学校期间，你将支付 总共1486美元的利息 在你的贷款期限内(还款期限:9).6 years)
• 在延期期间， 无补贴直接，FEEL斯塔福德， and PLUS 贷款会产生利息.

Subsidized loans

• Subsidized Direct*, FFEL Stafford, Perkins, Nursing, and SPU Institutional loans will not 在延期期间计息. 在延期期间，无补贴贷款和有补贴贷款都会产生利息.
• You may pay the accruing interest during a period of deferment or forbearance; any accrued, unpaid interest at the end of a deferment or forbearance period may be capitalized.

*首次发放日期在7月1日之间的直接补贴贷款, 2012, and before July 1, 2014, will 在六个月的宽限期开始时开始累积.

Alternative loans

• 替代贷款可能有一个更频繁的资本化时间表. If you have an alternative loan, contact the lender for capitalization information.

如果你没有按时付款, 或者不及时要求延期, late charges and fines may be assessed and the delinquency will be reported to the credit bureaus.

If your loan continues to be delinquent for an extended period of time the loan may go into default (the point when a monthly payment has not been made to your loan servicer for an extended period of time). Your school, 拥有你贷款的贷款人, your loan guarantor, 联邦政府可以采取行动收回你所欠的钱. 以下是违约的一些后果:

• National credit bureaus 会被通知，损害你的信用评级吗.
• You lose eligibility 申请额外的联邦(第四章)学生资助.*
• Funds may be withheld 从你的薪水中扣除，用来偿还贷款.
• 州和联邦所得税 refunds 可以扣缴并用于您所欠的金额吗.
• 你可能得付滞纳金 and, 如果你的贷款是放置在一个机构的收款, collection fees of at least 30 percent and up to 40 percent may be added to the entire loan balance. 您还将负责支付因违约而引起的任何法庭或法律费用.
• You may be sued.

以下是有关联邦贷款违约的信息: Avoiding Default, Understanding Default, and Getting Out of Default.

*Eligibility for federal student aid may be restored by establishing satisfactory repayment arrangements and making six monthly payments over a six-month period.

Collections

当拖欠的贷款被送到代理机构催收时, 借款人必须与代理机构作出还款安排. The borrower is responsible for the additional collection charges and legal fees associated with collection of the debt, 如本票所示.

Rehabilitation

Defaulted 直接补贴/非补贴，FFEL Stafford, Perkins, PLUS, and SPU Institutional 贷款有资格恢复. 偿还拖欠的贷款, 你必须与贷款人签订协议，按时还款, monthly payments. 一笔贷款只能恢复一次. 康复的好处包括:

• 你的贷款将不再 被认为处于默认状态.
• 报告的默认状态 由你的贷款持有人到国家征信局将被删除.
• 你将有资格享受同样的福利 这些都是在贷款违约前可以得到的. 这可能包括延期、延期和第四章资格.

Direct loans

如果你将直接借用学生贷款-直接补贴, Direct Unsubsidized, Grad PLUS, 和/或家长PLUS -在这里找到你需要的链接和信息. If you have questions, 联络学生财务服务. 为需要完成的步骤提供帮助 StudentAid.gov，请致电1-800-557-7394联系DL申请人服务.

• 直接贷款主本票(MPN)
• 直接贷款入学辅导
• 直接贷款加贷款申请(毕业生及家长加贷款)
• 直接贷款+咨询

Campus-based loans

All Institutional, Nursing and/or Perkins Loan requirements are completed online through ECSI.  Notification will be sent to your SPU email account when your documents are available, usually beginning in July.