管理贷款债务
管理学生贷款债务
欢迎来到我们的管理学生贷款债务页面, we will be discussing how to effectively man年龄 your student loan debt. This p年龄 will provide important information and links to outside resources, it is important that students frequently visit these resources to help keep track of accumulating debt and evaluate the various options for paying back their debt.
只借你需要的东西
Many students take out student loans without considering how much they actually need to take out. We recommend every student who is considering a loan, to use our 个人预算表. If you are unclear on how to use this budget sheet or need more information about your financial aid, 请与财政援助部门联系 studentloanassistance@wanbaogong.com or 707-476-4182. All loans borrowed at CR count towards your undergraduate borrowing limit. 我们建议保持在15美元以下,000 in loan debt at CR so that you don't reach your undergraduate borrowing limits before completing your studies at CR or after transferring to a 4-year institution.
Estimate your payments every time you consider a loan
每次你申请新的贷款, estimate your payments so you can see how man年龄able your loan debt is. 你可以访问 金融服务管理局贷款模拟器 and log in to simulate borrowing future loans in addition to your current existing loans.
我刚申请了助学贷款，现在呢?
The Department of Education will email you your loan servicer's name and contact information. This email will be sent to the email address on your FAFSA. 如果你找不到这封邮件，你可以查看一下 studentaid.政府 to check your loan status, accumulated debt, and who your loan servicer is. If you are having difficulties finding who your loan servicer is, try 这些步骤.
Once you know who your loan servicer is, create an account on the loan servicer’s website. Please check that the information they have on file is correct. If you move frequently or change your phone number, make sure to update your contact information with your loan servicer and through WebAdvisor at College of the Redwoods.
关于学生贷款偿还的有用视频
考虑提前还款
While you are not required to make a payment until you graduate or drop below 6 units, 提前付款是有好处的. 你知道什么是利息资本化吗? 如果你有无补贴贷款, your loan started to collect interest as soon as it was paid out to you.
资本化利息:
“Interest starts to accrue (grow) from the day your loan is disbursed (sent to you or your school). At certain points in time—when your separation or grace period ends, or at the end of forbearance or deferment—your Unpaid Interest may capitalize. That means it is added to your loan’s Current Principal. From that point, your interest will now be calculated on this new amount. 这是资本化的利息.“-SallieMae
防止利息变现, you will need to make payments on the interest as it accrues or pay off the total interest before your grace period ends. 否则, when your loan goes into repayment after your grace period has ended, the principle balance will not be the original amount you took out, instead it will be the original amount + interest accrued before your grace period ended.
Most loan servicers provide an interest rate discount for setting up recurring payments, setting up payments earlier could reduce the long term cost of your loan.
我还不起贷款，我现在该怎么办?
如果你的贷款保持良好的信誉, but are finding that your payments are too high or you won’t be able to make a payment in the future – contact your loan servicer right away!
There are options and they will keep your loan in good standing.
- 你可以要求不同的还款计划, 比如以收入为基础的还款计划, which could lower your payments to as low as $0/month.
- You can request to defer your payments for a period of time.
- You can request forbearance which allows you to defer payments because of financial hardship.
For more information on deferment and forbearance please visit: http://studentaid.ed.gov / sa /Loan Repayment/ deferment-forbearance
如果我违约会发生什么?
It is extremely important that you keep your loans in good standing or you could end up defaulting on your student loans. Defaulting on a student loan will prevent you from receiving financial aid at any institution nationally. It will affect your credit and prevent you from purchasing a vehicle, 一个家, 或者有资格获得信贷额度. If you think you may be in danger of defaulting on a student loan, contact your loan servicer right away or reach out to our Financial Literacy Advising Specialist.
To learn more about loan default, please visit our loan default p年龄 在这里.
I think I qualify for Loan Forgiveness or Discharge, How Do I Find Out?
There are a ton of options for loan forgiveness or discharge for students to pursue. The first step is always to apply and see if you meet the criteria during the application process. If you need assistance applying for loan forgiveness or discharge, please contact our Financial Literacy Advising Specialist. We have already compiled a comprehensive list of common loan discharge and forgiveness programs, 请查看一下 在这里.