你需要了解的是偿还学生贷款,管理债务, 以及你作为借款人的权利和责任.
Plan:
- 寻找外部的助学金和奖学金来源,以帮助降低你的贷款期望. 外部奖励可以用来减少你的财务中包含的学期工作金额 aid package. Search the websites: www.finaid.org or www.fastweb.com
- 找一份学期和暑期的工作来支付你的学费 and personal expenses. Look for Student Service Positions here at ETSU.
- Train yourself to save some money each month.
- Don't respond to credit card applications
Budget:
- 建立一个预算来帮助你控制和管理你的开支. Use the interactive budget worksheets at http://www.collegeboard.org.
- 如果你有信用卡,保持良好的信用记录,只收取你需要支付的费用 know you can pay back promptly. 当你是一个全日制学生,信用卡债务 can be very difficult to manage.
Borrow wisely:
- Borrow only what you need. 任何未得到补贴的利息都会被加到 你所借的原始金额和增加的必须偿还的金额. 使用交互式预测贷款债务和收入计算器 http://www.collegeboard.org.
- 保持准确和组织良好的记录,你签署的本票,披露 statements, and repayment schedules.
- 如果你有联邦债务,你可以在 nslds.ed.gov (Stafford and/or Perkins Loans).
- 提前偿还全部或部分贷款将减少你的本金余额 支付的利息,可能还有你的还款期限.
Summary of Borrower Rights:
As a borrower, you have the right to:
- 获得关于你的贷款债务义务和你的权利和责任的书面信息 as a borrower.
- 收到宽限期和这意味着什么的解释.
- 收到还款时间表,在你开始偿还贷款,其中包括 有关利率、费用、欠款余额和付款次数的信息.
- 如果你符合条件,在特定的期限内推迟或暂缓偿还贷款 and if you request it.
- 提前偿还你的贷款部分或全部在任何时候没有罚款.
- 在贷款发放前,请通知学校拒绝全部或部分贷款.
- 在贷款发放前收到你的本票副本.
- 收到你的贷款已经全额支付的文件.
- 接收有关贷款解除、贷款减免或贷款合并的选项信息.
- 每次发放贷款时,都会收到一份披露声明,详细说明贷款的用途 贷款计划,贷记或借记到你的期限账单上的金额以及每笔贷款的日期 transaction.
- 收到通知,如果你在你的宽限期或还款,不迟于 贷款人将您的贷款转让、出售或转让给另一个贷款人后45天.
Summary of Borrower Responsibilities:
作为借款人,您有责任:
- 参加并完成离职面谈之前,你毕业或注册不到一半的时间.
- Repay your loans on time.
- 宽限期结束后每月还贷款,除非你有 deferment or forbearance.
- 通知你的贷款人或贷款服务商任何可能改变你的资格 for an existing deferment or forbearance.
- Notify your lenders if you:
- Move/change your address
- 更改你的姓名、电话号码或社会安全号码
- 更换雇主或雇主的地址或电话号码变更
- 中途退学或入学时间不足一半者
- Transfer to another school
- 在贷款期间没有入学或返回学校
- Change your expected graduation date
- Graduate
Glossary of Terms:
Accrued Interest利息:在本金余额上积累的利息金额 a loan.
Borrower已签署并同意本票条款的人 responsible for repaying the loan.
Capitalized Interest当贷款到期时,应计利息加在贷款本金余额上的金额 enters repayment.
Collection Agency专门从事收回拖欠或拖欠贷款的公司.
Consolidation:将一项或多项联邦贷款合并为一项新贷款.
Default在你违反了你的诺言后出现的一种拖欠状态 note, e.g. 至少270天没有付款或安排.
Deferment:在入学期间至少有一半的时间暂时推迟偿还贷款 a fellowship, or on active duty.
Delinquent payments:贷款人规定的到期日未收到的款项.
Exit Interview:为即将毕业或入学的学生贷款借款人提供的咨询服务 less than half-time.
Fixed Interest Rate在贷款期间保持不变的利率.
Forbearance由于经济困难而暂时推迟或减少贷款偿还.
Grace Period从学生毕业或入学开始的六个月或九个月的时间 不到一半的时间,在此期间,学生借款人不需要偿还 interest or principal of the loan.
Maker: See “Borrower” above.
Promissory Note贷款人和借款人之间具有法律约束力的合同,其中包含以下条款 贷款的条件,包括如何及何时偿还贷款.
Variable Interest Rate在贷款期限内波动的利率,通常与财政部挂钩 Bills or the Prime Rate.
Loan Repayment Charts
(Based on a ten year repayment term)
3.9%的联邦直接补贴或无补贴斯塔福德贷款 | |||
---|---|---|---|
Amt. Borrowed | Mo. Pymt | Interest | Total Paid |
$2,500 | $50 | $233 | $2,733 |
$5,000 | $50 | $1,046 | $6,046 |
$7,500 | $76 | $1,569 | $9,069 |
$10,000 | $101 | $2,092 | $12,092 |
$12,500 | $126 | $2,616 | $15,116 |
$15,000 | $151 | $3,139 | $18,139 |
$17,500 | $176 | $3,662 | $21,162 |
5% Federal Perkins Loan | |||
---|---|---|---|
Amt. Borrowed | Mo. Pymt | Interest | Total Paid |
$2,500 | $40 | $401 | $2,901 |
$5,000 | $53 | $1,364 | $6,364 |
$7,500 | $79 | $2,045 | $9,545 |
$10,000 | $106 | $2,727 | $12,727 |
$12,500 | $133 | $3,410 | $15,910 |
$15,000 | $159 | $4,090 | $19,090 |
$17,500 | $186 | $4,774 | $22,274 |
Who to Contact:
Federal Direct Stafford Loans | Federal Perkins Loans |
---|---|
Direct Loan Servicing Center |
ETSU Office of Financial Aid P.O. Box 70722 Johnson City, TN 37614-1710 (423) 439-4300 Loan Information finaid@wayanadregency.com |