Once you are no longer enrolled in 和 attending at least six credit hours, repayment of your federal student loans begins after a six-month grace period. 在宽限期内, you will receive repayment information from the loan servicer, including the first payment due date (interest accrues on both loans but payments are not enforced).
学生 偿还贷款 information as well as information on the servicer assigned to your student loans can be found at 联邦学生援助:偿还学生贷款.
也看到 联邦学生援助:家长加贷款 查询还款资料.
还款计划
The Federal Direct loan program offers several repayment plans that are designed to meet the different needs of individual borrowers. 一般, students have 10 to 25 years to repay their loan, depending on the repayment plan that they choose.
Detailed information on repayment options is provided during the m和atory 入学贷款咨询 和 退出贷款咨询 会话.
还款时间表样本
Examples of typical Federal Direct Loan 和 Federal Parent PLUS Loan 还款 plans to illustrate the differences in monthly payments based initial loan debt 和 choice of repayment plan. These examples do not include all the repayment plan options 和 are for estimation purposes only. To get a better idea of your estimated monthly repayment options based on your specific loan debt, 使用 教育部的在线计算器. 也见联邦学生援助，还款计划.
Payments in each of the following repayment options are calculated using the fixed interest rate of 4.99%.
还款方式:标准
| 初始债务，当你进入还款 | 每个月 | 月数 | 总回报 |
| $3,500 | $50 | 120 | $4,230 |
| $5,500 | $60 | 120 | $7,163 |
| $10,500 | $114 | 120 | $13,674 |
| $17,000 | $184 | 120 | $22,139 |
| $25,000 | $271 | 120 | $32,558 |
| $40,000 | $434 | 120 | $52,093 |
| $57,500 | $624 | 120 | $74,883 |
还款方式:已毕业
| 初始债务，当你进入还款 | 每个月 | 月数 | 总回报 |
| $3,500 | $22 – $65 | 120 | $4,836 |
| $5,500 | $34 – $102 | 120 | $7,599 |
| $10,500 | $65 – $194 | 120 | $14,508 |
| $17,000 | $105 – $315 | 120 | $23,490 |
| $25,000 | $154 – $463 | 120 | $34,544 |
| $40,000 | $247 – $741 | 120 | $55,270 |
| $57,500 | $355 – $1,065 | 120 | $79,451 |
还款选择:延长计划
| 初始债务，当你进入还款 | 每个月 | 月数 | 总回报 |
| $3,500 – $25,000 | 没有这些金额. |
| $40,000 | $246 | 300 | $73,690 |
| $57,500 | $353 | 300 | $105,930 |
Income Driven 还款 Option: Saving on a Valuable Education (SAVE)
- 假定婚姻状况为单身;
- 调整后总收入3万美元，
- 家庭规模为1，和
- 爱荷华州居民.
| 初始债务，当你进入还款 | 每个月 | 月数 | 总回报 |
| $3,500 | $0 – $100 | 156 | $4,584 |
| $5,500 | $0 – $131 | 180 | $7,657 |
| $10,500 | $0 – $204 | 228 | $16,085 |
| $17,000 – $57,000 | $0 – $204 | 240 | $17,058 |
Income Driven 还款 Option: Saving on a Valuable Education (SAVE)
- 假定婚姻状况为已婚;
- Adjusted Gross Income of $30,000 each student 和 spouse (total $60,000),
- 家庭人口3人，和
- 爱荷华州居民.
| 初始债务，当你进入还款 | 每个月 | 月数 | 总回报 |
| $3,500 | $34 – $114 | 60 | $4,162 |
| $5,500 | $34 – $155 | 84 | $6,981 |
| $10,500 | $34 – $225 | 120 | $14,891 |
| $17,000 | $34 – $342 | 168 | $26,093 |
| $25,000 | $34 – $450 | 204 | $40,911 |
| $40,000 – $57,500 | $34 – $534 | 240 | $57,258 |
还款 Option: Pay As You Earn (PAYE) 和 Income-Based 还款 (IBR) Plan
- 假定婚姻状况为单身;
- 调整后总收入3万美元，
- 家庭规模为1，和
- 爱荷华州居民.
| 初始债务，当你进入还款 | 每个月 | 月数 | 总回报 |
| $3,500 – $5,500 | 没有这些金额. |
| $10,500 | $68 – $114 | 144 | $14,815 |
| $17,000 | $68 – $184 | 1692 | $28,235 |
| $25,000 | $68 – $271 | 240 | $42,026 |
| $40,000 – $57,500 | $68 – $347 | 240 | $44,014 |
还款 Option: Pay As You Earn (PAYE) 和 Income-Based 还款 (IBR) Plan
- 假定婚姻状况为已婚;
- Adjusted Gross Income of $30,000 each student 和 spouse (total $60,000),
- 家庭人口3人，和
- 爱荷华州居民.
| 初始债务，当你进入还款 | 每个月 | 月数 | 总回报 |
| $3,500 – $17,000 | 没有这些金额. |
| $25,000 | $189 – $271 | 132 | $34,294 |
| $40,000 | $189 – $434 | 180 | $64,098 |
| $57,000 | $189 – $624 | 240 | $100,337 |
还款 Option: Income-Contingent 还款 (ICR) Plan
- 假定婚姻状况为单身;
- 调整后总收入3万美元，
- 家庭规模为1，和
- 爱荷华州居民.
| 初始债务，当你进入还款 | 每个月 | 月数 | 总回报 |
| $3,500 | $22 – $28 | 228 | $5,769 |
| $5,500 | $35 – $45 | 228 | $9,065 |
| $10,500 | $67 – $85 | 228 | $17,306 |
| $17,000 | $109 – $138 | 228 | $28,019 |
| $25,000 | $160 – $203 | 228 | $41,204 |
| $40,000 | $256 – $325 | 228 | $65,927 |
| $57,500 | $257 – $485 | 252 | $103,269 |
还款 Option: Income-Contingent 还款 (ICR) Plan
- 假定婚姻状况为已婚;
- Adjusted Gross Income of $30,000 each student 和 spouse (total $60,000),
- 家庭人口3人，和
- 爱荷华州居民.
| 初始债务，当你进入还款 | 每个月 | 月数 | 总回报 |
| $3,500 | $32 – $34 | 144 | $4,813 |
| $5,500 | $50 – $53 | 144 | $7,564 |
| $10,500 | $96 – $102 | 144 | $14,440 |
| $17,000 | $155 – $165 | 144 | $23,380 |
| $25,000 | $228 – $242 | 144 | $34,382 |
| $40,000 | $365 – $388 | 144 | $55,011 |
| $57,500 | $525 – $557 | 144 | $79,079 |
inception提供贷款偿还援助
You’re not alone when it comes to student loans. 靠谱买球app推荐 has partnered with Inceptia, a division of National 学生 Loan Program (NSLP), to provide you with FREE assistance on your Federal student loan obligations to ensure successful, 和舒适的, 偿还贷款. Inceptia’s friendly customer representatives may reach out to you if your loan(s) become delinquent. inception不是讨债公司. We’ve partnered with them to help you explore a wide variety of possibilities such as alternative repayment plans, 延期, 整合, 放电, 宽恕, 还有忍耐选项. Inceptia will stay in touch with you via phone calls, 信, 和/or emails to help you find answers to your questions 和 solutions to your issues.
违约后果
You are responsible for repaying your student loans even if you do not graduate, 毕业后找工作有困难, 或者你对自己的教育不满意. If you do not make any payments on your student loans for over 270 days 和 do not make special arrangements with your lender to get a 延期 or forbearance, 你的贷款将会违约. Defaulting on your student loans has serious consequences, such as:
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Your loans may be turned over to a collection agency at which point you are now responsible for the very high collection agency fees.
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Your wages may be garnished 和 you can be sued for the entire amount of your loan.
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Your federal 和 state income tax refunds may be intercepted or your Social Security benefit payments can be withheld.
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Your defaulted loans will appear on your credit record. A bad credit record can affect your ability to purchase a car, home, 和 credits cards. 它还可能影响你找工作的能力.
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You may lose eligibility to receive any more federal financial aid until you make proper arrangements.
推迟还款
The two options available for postponing repayment of your student loans are 延期s 和 forbearances. 与贷款人保持联系, they will help you determine if you are eligible for a 延期 or forbearance BEFORE you default.
延期
The lender allows you to postpone repaying the principal of your loan for a specific period of time, 让你的债务负担得起. Contact your lender for more specific information regarding this process.
也看到 联邦学生援助:学生贷款延期.
忍耐
在忍耐, the lender allows you to postpone or reduce your payments, 但利息费用仍在不断增加. Contact your lender for more specific information regarding this process.
也看到 联邦学生援助:学生贷款延期.
摆脱违约
To get out of default, you need to make arrangements with your servicer or lender to repay the loan. Once you have made six regular payments, you will be eligible for additional Title IV aid. After you have made twelve regular payments 和 applied for 和 received "rehabilitation", 你将不再被视为违约. At this time, record of the default will be removed from the reports to credit reporting bureaus.
For information about your options, contact the servicer of the loan 和/or the original lender. If you do not know who currently is servicing your loan, create an account with 联邦学生资助.