对于数百万的美国人 学生贷款债务 是永远在他们脑海中的东西。它们可能非常复杂，这可能导致很多问题。我们 ’ve列出了有关学生贷款债务的最常见问题清单，以在下面的一个位置为您提供所需的答案。
您 can break student loans down into three broad categories. There may be Federal Pell Grants available, but you can borrow from the government if you don’t qualify. 您r choices are Direct Stafford loans, Perkins loans, or PLUS loans. Direct Stafford loans come in Subsidized and Unsubsidized forms, Perkins loans are for students in great financial need, and PLUS loans are for a college student’的父母申请资助他们的教育。
FAFSA代表免费申请联邦学生援助。此应用程序确定您是否可以获得您不捐赠的资金’不必还钱。它’ll also determine your eligibility for student loans through one of the three programs we mentioned earlier. 您 have to report all of your income and your parent’的收入，他们根据需要分配赠款和贷款额。
4您可以取消您的贷款吗？’re in school?
Yes. 您 can cancel your loans even after you signed the promissory note. 您 can cancel a Stafford Loan, Perkins Loan, or a PLUS Loan if you tell your school that you won’在您的学校告诉您放款人已偿还贷款后的14天内接受贷款付款。如果它’s later, you can wait until the first day of the payment period and still cancel it. 您 can return the funds to the school and refuse them as well.
如果你 want to make your payments more affordable, you have several repayment options available. Keep in mind that you will end up paying more in interest the longer you repay your loans. We listed the repayment options below.
- 标准– 您’10年内每月支付固定金额。
- 扩展的– 您’将在25年内每月支付固定金额。
- 基于收入的– 您’将按您的收入水平和家庭规模每月支付上限。
- 已毕业– 您’一开始会付较少的钱’随着时间的推移，它将逐渐增加到标准付款。
- 合并– 您 can consolidate your PLUS, Perkins, and Federal loans into a single loan with a fixed interest rate.
在此程序下，您’ll make 120 qualifying payments using a qualifying repayment plan. 您 also have to work full-time for a qualifying employer and submit proof that you stayed employed with them throughout the payment process. When you make it to the 120 payments under these conditions, the government will forgive whatever balance you have left. 如果你 miss a single payment, it starts over. Also, the IRS can tax you on any balance the government forgives. 您 can find out more by 点击这里.
学生贷款债务很容易一起模糊，并且要找出您拥有哪种类型的政府贷款可能具有挑战性。但是，国家学生贷款数据系统 Studentaid.gov 会告诉您持有贷款的人以及您的联系信息。
如果你’re struggling to pay your student loans, you can apply for deferment or forbearance for one year at a time. 如果你 defer your loans, it freezes everything for a year. Forbearance also freezes your payments, but your interest still adds to your balance each month. 您 should contact your loan servicer and see which one they suggest.
Once you default on a student loan, the lender will give you one chance to rehabilitate it. 您’您将不得不连续九个月支付对您而言合理且合理的款项。完成后，贷方将把您的贷款恢复良好状态，并将其从默认状态中删除。
您’ll start to repay your student loans after you drop below half time status or finish your schooling. Perkins loans have a nine-month grace period before you have to pay, and Stafford loans have a six-month grace period. 您r loan lender will send you monthly payment notifications when your grace period ends. For PLUS loans, you start repaying it 60 days after the disbursement date, even if you’re in school. 您 must make each payment in full by the due date. The only exceptions are if you made a deal with the lender or signed up for forbearance or deferment.