金融知识 & 还款
There are many resources available to assist you in borrowing responsibly while in school 和 repaying your federal student loans after leaving 博彩平台排名. 博彩平台排名鼓励你仔细考虑所有的选择, 最重要的是, to underst和 there are no fees charged for consolidating your federal student loans or selecting/changing your payment plan. If you are contacted by someone offering these services for a fee, 你不是在和联邦贷款服务商打交道. 你不应该为这些服务付费.
要查找您的贷款服务信息，请登录 www.studentaid.政府 to view your dashboard or call the Federal Student 援助 Information Center at 1-800-433-3243.
如果您不确定您的联邦贷款服务机构是谁, you can find your servicer’s name 和 contact information at the 国家学生贷款数据系统.
Please review the sections below for information about each stage of the student loan process.
The first step in borrowing responsibly is ensuring you do not borrow more than you need. 这里有一些方法可以限制你的借款金额:
- 每年3月1日前完成FAFSA. March 1 is 博彩平台排名’s priority deadline 和 will ensure you receive maximum consideration for all gift assistance as well as consideration for state aid if you are an Indiana resident.
- 申请校外奖学金. You can apply for 奖学金 throughout your academic career. You can search for outside 奖学金 through websites like:
- Pay the accruing interest on Federal Direct Unsubsidized Loans. When you enter repayment on your loans any unpaid interest will capitalize 和 be added to your principal loan balance. Paying the interest as it accrues will lower your monthly payments in the future.
- 知道你所借的总金额. We recommend that students complete Financial Awareness Counseling at least once per year at studentaid.政府. This interactive counseling session will allow you to track your borrowing, provide you with information on the basics of financial management 和 budgeting, 以及帮助你估计你未来每月的贷款支付.
- 全面贷款退出咨询. You will receive notification from the Office of 金融援助 during your last semester advising you to complete this required counseling. This interactive counseling session will inform you of your Federal Direct Loan balance, 描述可用的还款计划选项, 并允许你比较每个计划的月供.
- 保持你的贷款服务在循环中. It is important to keep your federal loan servicer up to date with your current contact information. 如果你搬家了或者换了新的电子邮件地址, let your servicer know so you do not miss out on important communications from them.
- 注册在线帐户访问. You have the ability to sign up for online account access with your federal loan servicer. 通过他们的网站, 您可以更新您的博彩平台排名, 查看贷款何时到期, 选择你的还款计划.
- 开始做预算. 记录你每月的收入和支出. This will make it easier when you begin repayment on your Federal Direct Loans to incorporate those monthly payments into your budget. 记住，还款从你毕业六个月后开始, so use that time wisely to prepare for when repayment will begin.
有关准备偿还贷款的更多信息， 观看这个视频 来自联邦学生援助.
- 自动付款. Sign up for auto-debit through your federal loan servicer to ensure you never miss a payment.
- 防止拖欠和违约. If you are having difficulty repaying your loans, contact your loan servicer. There are many options available to assist you in loan repayment, which may include:
- 更改付款截止日期
- 改变你的还款计划. 看看 这些还款计算器 不同的贷款还款方式
- 合并你的贷款
- 请求延期的请求延期或宽容的
- To find your federal student loan balances, log into your account at www.Studentaid.政府 . For private loan balances, you will need contact your loan servicer or check your credit report.
有关如何管理学生贷款的更多信息， 观看这个视频 来自联邦学生援助.
学生贷款偿还资源
The pause on federal student loan payments 和 interest will expire on September 1, 2023, 这笔款项将于2023年10月到期. 看看 the following Information Guides to help you prepare now:
学生联系:帮助你控制你的学生贷款偿还, 亚洲博彩平台排名与学生联系中心合作. They offer FREE counseling 和 resources designed to help you navigate the maze of repayment options available to you.
您可以致电(866)311-9450联系借款人倡导者. Student Connection Borrower Advocates are available Monday through Friday, 9:00 am to 6:00 pm ET.
你也可以在此找到常见学生贷款问题的答案 学生联系.
Mapping Your Future: Mapping Your Future’s calculators help borrowers with return to repayment
有关新储蓄还款计划的详情，请浏览网页 www.studentaid.政府.
什么是合并?
Direct Loan 整合 is an option to simplify your loan repayment process. It allows you to take the federal loans you have accumulated throughout your college career 和 combine them into one loan with a single monthly payment. This option may lower your monthly payment by extending the repayment period 和 offer the possibility of switching variable rate loans to a fixed rate loan. 一般, 你毕业后有资格申请合并, 离校或中途退学. 看看 the other advantages of consolidating your federal education loans at the 联邦学生援助网站.
Private student loans cannot be consolidated with your federal student loans. 然而, your private lender may offer a consolidation option or you may be able to go through another private loan consolidation servicer. A new credit check may be required when consolidating private loans 和 some have found that repayment under their original plans is a better option. For more information on consolidating private student loans, please review 资助.org 和 简单的美元.
我如何合并我的贷款?
直接贷款合并申请可在以下网址找到 Studentaid.政府. 您可以在线填写并提交申请, or you can download 和 print a paper application from StudentLoans.由美国政府提交.S. 邮件.
To consolidate your private loans, you will need to contact your lender. For additional information on consolidation from the following private lenders please visit: 发现贷款, 国民银行.