Many students rely on federal 政府ernment loans to help finance their education. These loans have low 感兴趣 rates and do 不 require credit checks of collateral. Student loans also provide a variety of deferment options and extended repayment terms.
无论您是新的或返回JWCC贷款借款人, we strongly recommend that you take the time to read and understand all the loan information provided. Understanding all loan details and planning now will benefit you throughout college and beyond.
你的 student loan is a debt you owe for your education and you should treat it as you would any other kind of debt. 例如,用于买车或买房的贷款. 和任何债务一样, you are responsible for repaying your loan in full even if you did 不 complete school, 找份工作, 或者觉得你没有得到你所购买的教育或其他服务.
To repay your student loan successfully, you will need to manage your finances. 如果你现在计划还款, you will reap big benefits in terms of financial freedom and present peace of mind.
从组织开始. If you have 不 already assembled all of your loan documents in one place, do it now! Review these documents to make sure you understand all of your financial obligations.
接下来,制定预算. 首先估算你的起薪和生活费. When figuring your expenses, do 不 forget to budget the monthly payment on your student loan.
The terms that you and your chosen lender establish for repaying your student loan have to meet certain federal guidelines. These guidelines are outlined for you on the master promissory 不e when you first obtain your loan. 以下是这些指导方针的摘要:
与你的贷款人保持联系. It is your responsibility to let your lender know if any of your personal circumstances change (i.e. 更改地址、名称等.)
在你的第一笔付款到期之前, 你的贷款人会给你一份还款时间表,告诉你你欠了多少钱, 在还款期间你将支付的利息金额, 你的月供将是多少, 什么时候到期, 以及需要多长时间才能全额偿还贷款.
You will have a grace period of no payments for six months which starts the day you drop below half-time status.
学生贷款不能因破产而免除.
If you are unable to make monthly payments, contact your lender immediately to avoid default. 可考虑其他还款方案, 也可以根据你的情况选择延期或宽容.
Once you drop below half-time status or anticipate graduating/transferring from JWCC, 你需要完成退出贷款咨询. This will explain what to expect after “exiting” school including repayment options. 您可以在直接贷款网站完成退出咨询: http://studentaid.政府.
你过去是否有过学生贷款有关系吗?
是的. If you have student loans from more than one lender or from other federal student loan programs, you are responsible for informing the 金融援助 Office and your lender(s) about your other student loans. 在某些情况下,你可能没有资格获得你所申请的贷款.
当前的利率是多少?
费率会在每年的7月1日有所变动.
As of July 1, 2023, the Direct Subsidized and Unsubsidized Loans are fixed at 5.50%. 直接家长加贷款固定为8.05%.
借用斯塔福德贷款有什么费用吗?
费用会在每年的10月1日有所变化.
自2020年10月1日起,直接补贴贷款和无补贴贷款的评级为1.0.057%发起费. 直接家长PLUS贷款有一个4.228%的发起费.
什么是学校的出勤费用(COA) ??
COA是你参加JWCC的估计费用. COA中包括学费的估计费用, 书, 运输, 个人支出, 和房间 & 董事会. 你从所有来源获得的经济援助总额不能超过你的COA.
什么是学生资助指数(SAI)?
你的 学生资助指数(SAI) is an index number used by financial aid professionals when creating an aid offer. 您的SAI是使用您(和其他贡献者)的信息计算的, (如果需要)在联邦学生援助免费申请(FAFSA)上提供. 你的SAI是 不:
What will happen to the existing loans that I have borrowed from other lenders?
Any previous loans you borrowed from a不her lender will be serviced by the lender/servicer you selected when you signed your original MPN. 毕业后, you have a choice to make individual payments to your previous lender(s) and to the Department of Education for your Direct Loans, or you can consolidate your loans into one payment with the Department of Education.
Will the student loans I borrowed through my lender in prior years still be deferred?
只要你在学校注册了至少一半的时间, 你上一年的联邦贷款将继续延期. Enrollment information is reported to lenders by the school on a regular basis.
学生贷款有哪些还款选择?
学生贷款有几种还款方式:
请浏览 联邦学生援助网站 了解更多信息以及还款估算器!
我应该采取什么步骤来获得“家长+”贷款?
根据联邦直接贷款计划, parents may borrow up to the full cost of their student’s education minus other financial aid received. 信用检查是必需的. 然而,直接贷款计划使用更宽松的信用评估.
Application instructions are provided on our website to apply for a PLUS loan.
完成PLUS贷款申请后, JWCC will submit your information to the Department of Education for a credit check.
我如何联系直接贷款计划?
美国.S. Department of Education Direct Loan Program Customer Service phone number is (800) 848.0979.
直接贷款计划网站: http://studentaid.政府
JWCC联邦学校代码:012813
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