毕业 & 偿还贷款
Planning for the repayment of your student loans takes some thought 和 an evaluation of your situation 和 options. 对还款计划有深刻的理解, the hazards of default 和 how to resolve 联邦 student loan disputes is critical to your future financial health.
重要提示: 此页面上的信息仅适用于联邦学生贷款. 如果你借了私人教育贷款 from a bank or credit union, you'll need to contact your lender to learn about repayment options 和 timelines.
视频播放列表:联邦学生贷款偿还
准备还款
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出口咨询
当你不再是杜里大学的学生, 你的首要任务是完成退出咨询, which helps you underst和 your rights 和 responsibilities as a student loan borrower 和 will provide useful tips 和 information to help you manage your loans. You'll receive a communication from our office when it's time to complete this requirement.
Exit counseling can be completed online, in about 30 minutes, through Student援助.政府. 你需要你的 FSA ID 登录.
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宽限期
毕业后, 离校或中途退学, 对于直接贷款和珀金斯贷款，您有权享受一个宽限期. During this time—six months for Direct 和 nine months for Perkins—you're not required to make payments.
在宽限期内，大多数贷款的利息继续增加. 虽然你不必支付利息，因为它累积, any unpaid interest is capitalized 和 added to the loan principal when repayment begins.
还款从宽限期结束后的第二天开始. 你的第一笔付款必须在60天内付清. You'll receive communication from your servicer about repaying your loans, 所以要注意你可能从他们那里收到的任何邮件或电子邮件.
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确定您的服务提供商
The 联邦学生资助 website provides comprehensive information about your 联邦 贷款的历史, 包括您的服务联系信息, 贷款总额, 贷款状态. 访问您的帐户仪表板 和 scroll down to the "My Loan Servicers" section to view the servicer(s) for your loans..
知道谁在为你贷款是很重要的, 因为你将在整个还款过程中直接与他们合作. A list of current 联邦 student loan servicers is available through Student援助.政府.
记住，联邦学生援助网站只会显示你的 联邦 贷款的历史. 如果你借了私人教育贷款, 这些会出现在你的信用报告上, 和 you should contact your private lender directly regarding your repayment options.
还款计划
You have several repayment options available to you with 联邦 student loans. Your servicer will automatically set up your loan on the st和ard repayment plan. 如果你需要低一点的付款， 申请以收入为导向的还款计划-你的付款可以低至每月0美元.
视频播放列表:联邦学生贷款偿还计划
这里是可用的快速概述 还款计划:
| 还款计划 | 付款及时间框架 | 其他信息 |
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| 标准的还款 |
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| 毕业后还款 |
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| 延长还款 |
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| 修订的即赚即付(REPAYE) |
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| 即赚即付(PAYE) |
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| 按入息还款(IBR) |
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| 收入或有还款(ICR) |
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有关每个计划的更多信息可通过 联邦学生资助.
估计一下你每个月要付的钱.
无力付款
如果你认为你在偿还贷款方面有困难, 一定要立即联系你的贷款人或服务人员. They can help you change your payment plan to one that better fits your budget, 和 they can discuss deferment or forbearance options that will allow you to postpone your payments. 在你落后之前寻求帮助.
视频播放列表:还款的麻烦
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延期
延期s allow you to temporarily postpone the payment of your loan. 延期不是自动的. 你必须申请并得到贷款人的批准. 最常见的延期原因包括...
- 至少有一半时间返回学校.
- 失业或找不到工作.
- 经济困难.
- 在战争、国家紧急状态或军事行动期间现役.
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忍耐
If you do not qualify for a deferment, you may be eligible to request forbearance from your lender. 忍耐 is the temporary postponement or reduction in your monthly payment. 偿还贷款所需的时间可能会延长. 在此期间利息继续增加, so if you do not make interest payments it will increase your total loan balance.
There are several different types of forbearance available depending on your situation, 而且必须得到服务人员的批准. 然而, you may be eligible to move to an income-driven repayment plan instead of going into forbearance, 所以一定要和你的服务员说!
联系
金融援助
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finaid@ivantseng.com
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303-871-4020
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303-871-2341
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认识我们的员工
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大学礼堂255室
2197 S. 大学大街.
科罗拉多州丹佛80210 -
男、女、女:上午8点至下午4点
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