毕业 & 偿还贷款
计划偿还你的学生贷款需要一些思考和评估你的情况和选择. A solid underst和ing of 还款计划, 违约的危险以及如何解决联邦学生贷款纠纷对你未来的财务健康至关重要.
重要提示: The information on this page pertains only to 联邦 student loans. 如果你从银行或信用合作社借了一笔私人教育贷款, 你需要联系你的贷款人了解还款选择和时间表.
Video Playlist: Federal Student 偿还贷款
准备还款
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出口咨询
When you're no longer enrolled at DU, your first task will be to complete exit counseling, 它能帮助你了解作为学生贷款借款人的权利和责任，并提供有用的提示和信息来帮助你管理贷款. 当你完成这个要求的时候，你会收到我们办公室的通知.
退出咨询可以在网上完成，大约30分钟，通过 Student援助.政府. 你需要你的 FSA ID 登录.
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宽限期
毕业后, leave school or drop below half-time enrollment, you are entitled to one grace period for Direct 和 Perkins loans. 在这段时间里——Direct的6个月，perkins的9个月——你不需要付款.
Interest continues to accrue on most loans during the grace period. While you don't have to pay the interest as it accrues, 任何未付的利息都被资本化，并在还款开始时加到贷款本金中.
Repayment begins the day after your grace period ends. Your first payment is due within 60 days. 你会收到你的服务机构正规赌博十大平台排行偿还贷款的通知, so pay attention to any mail or email you may receive from them.
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确定您的服务提供商
联邦学生援助网站提供有关联邦贷款历史的全面信息, including your servicer contact information, 贷款总额, 贷款状态. 访问您的帐户仪表板 并向下滚动到“我的贷款服务商”部分，查看您贷款的服务商..
It's important to know who is servicing your loans, as you will be working with them directly throughout repayment. 当前联邦学生贷款服务机构的名单可通过 Student援助.政府.
Remember, the 联邦学生资助 website will only show your 联邦 贷款的历史. If you borrowed a private education loan, those will appear on your credit report, 你应该直接联系你的私人贷方，了解你的还款选择.
还款计划
你有几个偿还联邦学生贷款的选择. 您的服务机构将自动根据标准还款计划设置您的贷款. 如果你需要低一点的付款， apply for an income-driven repayment plan—your payments can be as low as $0 per month.
Video Playlist: Federal Student Loan 还款计划
Here's a quick overview of available 还款计划:
| 还款计划 | 付款及时间框架 | 其他信息 |
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| 标准的还款 |
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| 毕业后还款 |
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| 延长还款 |
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| 修订的即赚即付(REPAYE) |
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| 即赚即付(PAYE) |
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| 按入息还款(IBR) |
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| Income-Contingent Repayment (ICR) |
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Much more information about each plan is available through 联邦学生资助.
Estimate what you'll pay each month.
无力付款
If you think you will have trouble making your loan payments, be sure to contact your lender or servicer immediately. 他们可以帮助你改变付款计划，使之更符合你的预算, 他们可以讨论延期或延期还款的选择，这将允许你推迟还款. Ask for help before you fall behind.
Video Playlist: Trouble with Repayment
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延期
延期允许你暂时推迟支付你的贷款. 延期不是自动的. You must apply 和 be approved by your lender. The most common reasons for deferment include...
- returning to school at least half-time.
- loss of job or inability to find a job.
- 经济困难.
- on active duty during war, national emergency or military operation.
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忍耐
如果你不符合延期的条件，你可能有资格向你的贷款人请求延期. 忍耐是暂时推迟或减少你每月的付款. The amount of time it takes to repay your loan may be extended. Interest continues to accrue during the period, 因此，如果你不支付利息，它将增加你的总贷款余额.
根据你的情况，有几种不同类型的忍耐, 和 it must be approved by your servicer. 然而, 你可能有资格转向以收入为导向的还款计划，而不是进入忍耐期, so be sure to speak to your servicer!
联系
金融援助
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finaid@ydspd.com
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303-871-4020
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303-871-2341
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