During Repayment

You are responsible to pay your loan(s) according to the terms and conditions of the loan and to request assistance as soon as possible if needed. But federal student loans offer many options to assist you during repayment.

Credit reporting

Your student loans are reported to the national credit bureaus and updates will be reported monthly for the life of your loan.

  • 良好的信用评级 from these loans will put you in good standing when you need credit elsewhere.
  • 不良信用评级 will affect your financial opportunities for an extended period of time and remains on your credit report for seven years.
  • 延期和忍耐的时期 不会对你的信用造成不利影响吗.

推迟付款

联络你的贷款服务机构 immediately 如果你不能履行你的还款责任. Your servicer can provide information about the options available to assist you which may include deferment or forbearance. 如果您有多个贷款服务机构, any request for deferment or forbearance must be submitted to each of your loan servicers.

Upon receipt of your request, your loan servicer(s) will notify you of the approval or denial of it. You are responsible to make your payments on time until you receive notification that your request has been approved.

Deferment

Deferment is a period of time in which you are not required to make monthly payments towards your loan. The circumstances in which you can receive deferment depend on the type of loan. 

Federal student loans provide a variety of deferment options including during periods when the borrower is enrolled at least half-time and during periods of economic hardship and unemployment.

Your loan servicer(s) will provide information regarding eligibility criteria and forms to submit your request for deferment. If you have multiple loan servicers, you must submit any deferment request to each loan servicer.

Direct subsidized/unsubsidized, FFEL Stafford, PLUS loan, Perkins loans

  • 延期付款资料载于 StudentAid.gov 从你的贷款服务商那里.

珀金斯贷款,由斯坦福大学颁发

  • 延期信息和申请延期的表格 Heartland ECSI.
  • Perkins loans that have fully utilized the grace period provided after you have dropped to less than half-time, withdrawing, or graduating will receive a post-deferment six-month grace period following an in-school, economic hardship, 或者任何其他类型的延迟. 这并不适用于忍耐.

护理贷款,SPU颁发

  • 延期信息和申请延期的表格 Heartland ECSI.
  • Nursing loans have specific eligibility criteria for in-school deferment. 联络学生财务服务 for assistance.
  • Nursing loans provide in-school deferment only if you are enrolled in an eligible nursing program.

SPU机构贷款

  • Institutional loans have specific eligibility criteria for in-school deferment.
  • Institutional loans provide in-school deferment only if you are enrolled at least half-time at SPU.
  • Contact 学生财务服务 for assistance.

Forbearance

Forbearance is a period of time in which you either have reduced monthly payments or monthly payments are stopped. 

Forbearance may be requested if you do not meet eligibility criteria for deferment.

  • Forbearance is approved at the discretion of the loan servicer.
  • 这不是一个自动的好处.
  • Interest accrues during any period of forbearance and may be paid during the forbearance period.

For Direct Subsidized/Unsubsidized, FFEL Stafford, PLUS and alternative loans, 联系您的贷款服务机构.

For Perkins, Nursing, and SPU Institutional loans, find forbearance information at Heartland ECSI or by contacting 学生财务服务.

拖欠、违约、催收

If your loan has been delinquent (monthly payments have either been missed or sent in late) for an extended period of time — and you failed to make payments on your student loan according to the terms of your promissory note — your loan may go into default. 查看一些后果,以及防止违约的方法.

教师的取消和延期选择

Direct, Stafford and Perkins loans can provide at least partial loan cancellation for teachers serving in a low-income or subject-matter shortage area. Review the 教师的取消/延期选择 页面信息: StudentAid.gov 了解更多信息.

珀金斯贷款减免(取消)

Perkins loans provide cancellation provisions for full-time employment in a variety of service-related jobs. 查看以下信息 eligible service employment and forms for Perkins loan cancellation benefits.

Deferment in anticipation of cancellation may be requested at the beginning of an eligible year of employment. The borrower is responsible for submitting deferment and cancellation requests promptly to the loan servicer, Heartland ECSI. 表格亦可提交至 学生财务服务 at SPU. If not filed on time, eligibility for the benefits may be lost and late fees may be assessed.

公务贷款宽免

Under the 公共服务贷款减免计划, 如果你从事的是公共服务工作, you may have the balance of your loans forgiven if you make 120 on-time monthly payments under certain repayment plans after October 1, 2007.

  • 你必须是全职工作 in a public service job during the same period in which the qualifying payments are made and at the time that the cancellation is granted.
  • 免赔金额 is the remaining outstanding balance of principal and accrued interest on eligible Direct loans that are not in default.
  • Review the 公共服务贷款豁免 page at StudentAid.gov 欲知更多详情.

护士团贷款偿还计划

The U.S. Department of Health and Human Services provides the NURSE Corps Loan Repayment Program (NELRP), which is a competitive program that repays 60 percent of the qualifying loan balance of registered nurses selected for funding in exchange for two years of service at a critical shortage facility.

Participants may be eligible to work a third year and receive an additional 25 percent of the qualifying loan balance. 请参阅有关此程序的其他信息.