偿还联邦直接贷款计划
All Direct Subsidized and Unsubsidized loans are solely in the student's name, which means you are the only individual responsible for repayment.
You will receive information from the Department of Education regarding the servicer of your loans. The servicer is responsible for collecting payments for your loan(s). You should receive periodic notifications from the servicer once you enter your grace period and then when you begin repayment. 你应该参观 全国学生贷款数据库 (NSLDS) to review your loans and to identify your servicer. All federal loan information will be submitted to NSLDS and will be accessible by guaranty agencies, 银行, and institutions determined to be authorized users of the data system.
当你毕业时, withdraw or drop below part-time status your direct loans will enter into your six month grace period, 不需要你支付任何费用. 当你毕业时, 降至全日制以下或停止上课, 你需要在。完成退出咨询 热门产品.政府 网站. When exhaust your grace period, you must begin repayment toward your direct loans.
The standard repayment period for direct loans is 10 years. The Department of Education does offer several different types of repayment for special circumstances that may change the terms of repayment and/or change the required payment amount. It is recommended that you review all the repayment options available at to you at the 热门产品.政府 网站.
请参阅 联邦斯塔福德贷款样本还款页面 还款图表样本.
偿还机构贷款
All institutional loans are solely in the student's name. You are the only individual responsible for repayment. All repayment of institutional loans is to MCCN as detailed in the MCCN Master Promissory Note and reviewed during “in-person” exit counseling with a MCCN 金融服务 representative.
Borrowers must make all payments to MCCN as directed at the exit counseling session.
For additional information, contact the MCCN 金融服务 Office.
债务管理
Excessive student loan debt is a significant issue for today's society. 在你毕业或离开MCCN之前, you should consider the management of any debt you have accumulated. MCCN 金融服务 representatives are available to assist you with financial literacy and planning tools. You should consider the following when making plans to repay your student loan debt:
- Calculate your Monthly 付款: The payment calculator at the 联邦学生资助 网站是一个非常有用的工具.
- Create a Budget: Smart financing planning involves creating a budget that allows you to map out your bills and income for a week, 一个月或更长时间. You should include all your student loan debt and all other bills and obligations to pay in your budget plan.
- Consider Federal Loan Consolidation: Consolidation of federal loans allows you to collapse your individual federal loans into a single loan, with a new interest rate and repayment options and a single payment. Consolidation may make the repayment of your federal loans easier. You can review information about federal loan consolidation at the 联邦学生资助 网站.
- Pay more than the minimum: Sometimes you may only have enough to pay the minimum amount due; however, 你偿还贷款的时间越长, 你付出的就越多. The length of your loan repayment period directly affects the amount of interest that accumulates. If possible, consider paying more than the minimum due each month. You should always contact your Servicer/Lender if you intend to pay more than the minimum due to ensure your extra payments are being applied to principal loan balances. 另外, you want to ensure that there are no penalties or fees for paying more or early on your loans.
还款困难
Making the appropriate on-time payments for your loans is extremely important to your overall financial status. Defaulting on one or more student loans can have severe consequences for you.
如果你在付款方面有困难, you should immediately contact your lender/servicer and discuss the situation. 你可能有资格暂时延期, forbearance of loan repayment or income based repayment (IBR) depending on you circumstances.
有关联邦直接贷款，请访问 热门产品.政府 网站 for additional information on deferments, forbearances and IBR. Contacting your loan servicer directly for information is also recommended.
如需机构贷款，请联系mcn.
For Private Education 贷款, contact your lender directly.