一旦你不再注册并参加至少六个学分, 你的联邦学生贷款在六个月的宽限期后开始偿还. During the grace period, 您将从贷款服务机构收到还款信息, 包括第一次付款到期日(两笔贷款都有利息，但不强制付款).
学生贷款偿还信息以及分配给你的学生贷款的服务信息可以在 Federal 学生 Aid: 学生 Loan 还款.
也看到 Federal 学生 Aid: Parent PLUS Loans for repayment information.
还款计划
联邦直接贷款计划提供了几种还款计划，旨在满足个人借款人的不同需求. 一般, 学生有10到25年的时间偿还贷款, 这取决于他们选择的还款计划.
还款选项的详细信息在强制期间提供 Entrance Loan Counseling 和 Exit Loan Counseling 会话.
Sample Loan 还款 Schedule
典型的联邦直接贷款和联邦家长PLUS贷款偿还计划的例子，以说明基于初始贷款债务和还款计划选择的每月付款的差异. 这些例子不包括所有还款计划选项，仅供估计之用. 为了更好地了解你的估计每月还款选项基于你的具体贷款债务, 使用 Department of Education’s online calculator. 也看到 Federal 学生 Aid, 还款计划.
以下每个还款选项的付款都是使用4的固定利率计算的.99%.
还款 Option: St和ard
| Initial debt when you enter repayment | 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 Options: Graduated
| Initial debt when you enter repayment | 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 Option: Extended Plan
| Initial debt when you enter repayment | 每个月 | 月数 | 总回报 |
| $3,500 – $25,000 | Not available at these amounts. |
| $40,000 | $246 | 300 | $73,690 |
| $57,500 | $353 | 300 | $105,930 |
收入驱动的还款选择:为有价值的教育储蓄(SAVE)
- Assumed marital status of single,
- Adjusted Gross Income of $30,000,
- Household size of 1, 和
- an Iowa resident.
| Initial debt when you enter repayment | 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 |
收入驱动的还款选择:为有价值的教育储蓄(SAVE)
- Assumed marital status of married,
- 调整后的总收入为每位学生和配偶3万美元(总计6万美元);
- Household size of 3, 和
- an Iowa resident.
| Initial debt when you enter repayment | 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 |
还款选择:按收入付款(PAYE)和按收入还款(IBR)计划
- Assumed marital status of single,
- Adjusted Gross Income of $30,000,
- Household size of 1, 和
- an Iowa resident.
| Initial debt when you enter repayment | 每个月 | 月数 | 总回报 |
| $3,500 – $5,500 | Not available at these amounts. |
| $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 |
还款选择:按收入付款(PAYE)和按收入还款(IBR)计划
- Assumed marital status of married,
- 调整后的总收入为每位学生和配偶3万美元(总计6万美元);
- Household size of 3, 和
- an Iowa resident.
| Initial debt when you enter repayment | 每个月 | 月数 | 总回报 |
| $3,500 – $17,000 | Not available at these amounts. |
| $25,000 | $189 – $271 | 132 | $34,294 |
| $40,000 | $189 – $434 | 180 | $64,098 |
| $57,000 | $189 – $624 | 240 | $100,337 |
还款选择:收入或有还款计划
- Assumed marital status of single,
- Adjusted Gross Income of $30,000,
- Household size of 1, 和
- an Iowa resident.
| Initial debt when you enter repayment | 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 |
还款选择:收入或有还款计划
- Assumed marital status of married,
- 调整后的总收入为每位学生和配偶3万美元(总计6万美元);
- Household size of 3, 和
- an Iowa resident.
| Initial debt when you enter repayment | 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 |
Inceptia Provides Loan 还款 Assistance
You’re not alone when it comes to student loans. 靠谱买球app推荐与Inceptia合作, 国家学生贷款计划(NSLP)部门, 为你的联邦学生贷款义务提供免费帮助，以确保成功, 和舒适的, 偿还贷款. 如果您的贷款拖欠，Inceptia友好的客户代表可能会与您联系. Inceptia is not a collection agency. 我们已经与他们合作，帮助您探索各种各样的可能性，如替代还款计划, 延期, 整合, 放电, 宽恕, 和 forbearance options. Inceptia将通过电话与您保持联系, 信, 和/或电子邮件来帮助你找到问题的答案和问题的解决方案.
Consequences of Default
即使你没有毕业，你也有责任偿还学生贷款, have trouble finding a job after graduation, 或者你对自己的教育不满意. 如果你超过270天没有支付任何学生贷款，并且没有与你的贷款人做出特殊安排以获得延期或豁免, your loans will go into default. 拖欠助学贷款的后果很严重，比如:
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你的贷款可能会被转交给一个催收机构，在这一点上，你现在负责非常高的催收代理费.
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你的工资可能会被扣，你可能会被起诉，要求偿还你的全部贷款.
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你的联邦和州所得税退税可能会被拦截，或者你的社会保障福利金可能会被扣留.
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您的违约贷款将出现在您的信用记录中. 不良的信用记录会影响你购买汽车、住房和信用卡的能力. It may also affect your ability to find a job.
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在你做出适当的安排之前，你可能会失去再获得联邦财政援助的资格.
Postponing 还款
延期偿还学生贷款有两种选择，一种是延期还款，另一种是暂缓还款. Stay in contact with the lender, 他们将帮助你确定你是否有资格在你违约之前获得延期或宽容.
延期
贷款人允许你在一段特定的时间内推迟偿还贷款本金, making your debt more affordable. 有关此过程的更多具体信息，请联系您的贷方.
也看到 Federal 学生 Aid: 学生 Loan Deferment.
忍耐
During forbearance, 贷款人允许你推迟或减少你的还款, but the interest charges continue to accrue. 有关此过程的更多具体信息，请联系您的贷方.
也看到 Federal 学生 Aid: 学生 Loan Forbearance.
Getting Out of Default
为了避免违约，你需要与你的服务机构或贷款人安排偿还贷款. 一旦你支付了六次定期付款，你将有资格获得额外的第四章援助. 在你按时支付了12笔款项，并申请并获得“康复”后, you will no longer be considered in default. 此时，违约记录将从报告中删除到信用报告机构.
有关选择的信息，请联系贷款服务机构和/或原始贷方. 如果你不知道谁目前正在为你的贷款服务，创建一个帐户 Federal 学生 Aid.