财政援助:直接贷款计划常见问题解答

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主题:

Is there any expense to me when I borrow under the Direct Loan Program?
如果你有直接补贴贷款, there will be no interest charges while you are enrolled in school at least half-time or during deferments. Interest for this loan begins once you start your repayments. 如果你有直接无补贴贷款, your interest charges begin the day the loan is disbursed to you and last until the day you fully repay the loan. You may pay the accumulating interest while you are in school, 或者你可以选择将利息资本化.
NOTE: There is also a loan fee, which is another expense to borrowing a Direct Loan. This fee is about 1% and is charged for both subsidized and unsubsidized loans. This fee is subtracted from the loaned money when it is disbursed.
 

What if I have concerns about the terms of my loan that cannot be resolved by talking to my lender?
There is an ombudsman established by the Department of Education to specifically work with student borrowers to help resolve any loan disputes or problems. 如果你有任何顾虑, call the Ombudsman Customer Service Line at 1-877-557-2575 or visit the new merged OFSA特派员 网站.
 

谁是我的贷款服务商?
Your 贷款服务机构 is listed on your disbursement notice. Your 贷款服务机构 will contact you after the first disbursement of your Direct Loan. 如果你知道你的贷款服务，你可以 定位您的服务提供商. If you do not know your 贷款服务机构 or you do not have one, you can view a 服务清单.


我怎样才能知道我借了多少钱?
You can find out how much you borrowed by accessing the NSLDS网站. Enter your FSA ID to access your federal loan information which includes your loan history, 还款状态, 贷款服务商.


我有哪些还款选择?
有多种还款计划. 使用 还款估计量 provided by the 联邦学生资助 网站 to determine which option is best for you.


我是否可以将我的贷款合并以使还款更容易?
联邦补贴贷款, 包括直接贷款和珀金斯贷款, can be combined into one Direct Subsidized Consolidation Loan, and Direct Unsubsidized Loans can be combined into one Direct Unsubsidized Consolidation Loan. 参观 联邦学生资助 网站提供更多资料.


我什么时候开始还款?
毕业后, 离开学校, 或者降至半日入学率以下, 在你必须开始还款之前，你有六个月的时间. 这被称为宽限期. The interest for Direct Subsidized Loans begins six months after you are out of school. This interest will not accrue during your grace period. The interest for Direct Unsubsidized Loans beings while you are in school and during the grace period.


我可以提前偿还贷款吗?
You can prepay part or all of the unpaid balance on a loan to your servicer at any time without penalty. If you have more than one Direct Loan, be sure to specify which loan you are prepaying.


我的直接贷款债务可以取消吗?
You can receive a loan cancelation only under special circumstances such as death, 完全和永久残疾, and an inability to complete a course of study because your school closed. If your school did something wrong or failed to do something which led to legal action being taken against the school, 你可以取消贷款.


What should I do about my loan if I am a transfer student?
If you transfer to another school and will be enrolled at least half-time, contact your servicer to request an in-school deferment.


如果我在偿还贷款方面有问题怎么办? 多么可能的延期啊?
If you cannot make a payment on your loan as scheduled, contact your servicer as soon as possible to help you avoid defaulting on your Direct Loans. 你有两种选择推迟付款. 首先是拖延. 如果你使用延期直接补贴贷款, the principal payments are postponed and the interest is not charged. 直接无补贴贷款, the principal payments are postponed but the interest will continue to be charged. There are many possible deferments depending on your situation. 下列人士可获延期:

  • Pursuing at least half-time study at an eligible school.
  • In a graduate fellowship program 经教育部批准.
  • In a rehabilitation training program for individuals with disabilities, 经教育部批准.
  • Conscientiously seeking but unable to find full-time employment for up to three years.
  • Experiencing economic hardship for up to three years.
  • 在和平队服役.
  • Doing service under the domestic volunteer service act of 1973.
  • In a comparable volunteer service for tax-exempt organization of demonstrated effectiveness in the field of community service.

Check your promissory note for all the deferments you may be eligible to receive. Deferments can be used at any time to help you manage your Direct Loan payments.

如果你不符合延期的条件, 但无法偿还贷款, 你可能有忍耐的资格. 在忍耐, your payments can be postponed or reduced for a specified period, or you may receive an extension on the time you have to repay your loans. 在这些情况下, the interest will continue to be charged and be added to your principal balance, 除非是付费的.


如果我不偿还贷款会发生什么?
Several things can happen if you fail to make loan payments on time or if you default on your loans, 包括:

  • Not being eligible for further federal student financial aid.
  • 损害你的信用评级.
  • The federal government taking your federal tax refunds.
  • Your total debt may be increased by late fees, court costs, attorney's fees, etc.
  • Your employer withholding part of your wages and giving them to the federal government.
  • The repossession and selling of your car and other possessions to pay the loans.
  • 联邦政府起诉你.

If you are having trouble making your payments, contact your 贷款服务机构. They will work with you to help you from defaulting on your loan.  


什么是教师贷款减免?
The Teacher Forgiveness Program became effective on July 1, 2001. This program grants loan forgiveness for up to $17,500 for qualifying borrowers.

欲了解更多信息，请访问 教师贷款减免 页面.