澳门新甫京娱乐游戏下载澳门新甫京娱乐游戏在线下载
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澳门新甫京娱乐游戏下载希望成为你接受高等教育的选择. 澳门新甫京娱乐游戏在线下载 offers associate and baccalaureate level instruction in career and technical education and academic areas. 大约4,000 students are enrolled annually online from across the country and on campuses and centers across 86,500平方英里, 两个时区, 以及内华达州十个最大的县. 我们与亚利桑那州、俄勒冈州、爱达荷州、犹他州和加利福尼亚州接壤. 我们是澳门新甫京娱乐游戏在线下载!
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学生贷款退出咨询
The federal 政府ernment requires that you complete a student Exit Counseling session prior to 毕业, 退出或低于半场状态, 未注册, or 给予经济援助，停学. 这也包括你是否转到另一所学校. You will receive a letter or email notification from the 澳门新甫京娱乐游戏在线下载 学生财务服务 Office if any one of these circumstances occur.
The purpose of the Exit Counseling Session is to help you understand your rights and responsibilities as a student loan borrower. The Exit Counseling explains in detail and goes over a plan to repay, 为未来做计划, 保护和维护你的信用评分, and the many repayment options available that you are entitled to as a student loan borrower.
你的 学生贷款服务商 are there to help you understand your options to find ways to make affordable repayment obligations to 避免违约 澳门新甫京娱乐游戏下载你的学生贷款.
提醒-学生贷款不会消失-除非你偿还!
其后果可能很严重，包括:
- The entire unpaid balance of your loan and any interest you owe becomes immediately due (this is called "acceleration").
- 你不能再接受延期或宽容了, 你就失去了享受其他福利的资格, 比如选择还款计划的能力.
- 你将失去获得额外联邦学生资助的资格.
- 违约将被报告给信用机构, damaging your credit rating and affecting your ability to buy a car or house or to get a credit card.
- 你的 tax refunds and federal benefit payments may be withheld and applied toward repayment of your defaulted loan (this is called “Treasury offset”).
- 你的工资将被扣减. This means your employer may be required to withhold a portion of your pay and send it to your loan holder to repay your defaulted loan.
- 你的贷款持有人可以把你告上法庭.
- You may not be able to purchase or sell assets such as real estate.
- 你可能会被收取诉讼费, 收集费用, 的律师费, 以及与收集过程相关的其他成本.
- 重建良好的信用记录可能需要数年时间.
- 你的 school may withhold your academic transcript until your defaulted student loan is satisfied. The academic transcript is the property of the school, and it is the school's decision—not the U.S. 教育部’s or your loan holder’s—whether to release the transcript to you.
我该怎么做?
步骤1
签到处 http://studentaid.Administration/app/counselingInstructions.action?counselingType=exit 完成退出咨询. 这是联邦政府的要求.
- Student must have a FSA ID Username and Password to access this website. 使用与电子FAFSA相同的FSA ID..
- 忘了FSA ID? 去 http://fsaid.ed.政府 / npa /索引.htm.
The Exit Counseling will be electronically sent from the 教育部 to 澳门新甫京娱乐游戏在线下载 within 72 hours after completion.
你应该知道的事情
- Read all email communication from 澳门新甫京娱乐游戏在线下载 and your Student Loan Servicer.
- You will not receive a paper bill statement from your Student Loan Servicer, only emails.
第一次付款是你的责任, even if you don’t receive notification from your student loan servicer.
如果你逾期1(1)天付款, 你会被认为拖欠助学贷款.
- 避免拖欠学生贷款.
- 如果您没有完成，您的帐户将被保留.
步骤2
找到你的贷款服务商. 教育部为借款人指定贷款服务机构. Student Loan borrower receives emails as soon as loan is disbursed (paid out). 贷款服务将在此之后与借款人联系. 去 http://studentaid.Administration/manage-loans/repayment/servicers
支付
- 点击 现在就签到新生 > 现在就创建一个
- 按照指令 > 个人信息
- 在校期间支付利息.
- 知道你欠什么!
还款方式
Call your Student Loan Servicer to make arrangements for repayment.
访问 联邦学生援助网站 还款计划.
- 标准的还款
- 毕业后还款
- 延长还款
- 基于收入偿还
- 助学还款
- 当你赚到还款时就付款
- Income-Sensitive还款
付不起付款?
你可以考虑:
打电话给你的学生贷款服务更多的信息或问题.
采取措施避免违约
The worst thing you can do is ignore or not repay your student loans. 了解你的贷款协议, staying on top of your loan information and making sure you contact your loan servicer if you are having trouble making payments to avoid default.
步骤3
忘了你的学生贷款文件?
登录: www.nslds.ed.政府 找到你的学生贷款服务商.
Student must have a FSA ID Username and Password to access this website. 使用与电子FAFSA相同的FSA ID.
忘了FSA ID? 去 http://studentaid.Administration /帮助/ forgot-fsa-id
The most important take-away from your Exit Counseling is National Student Loan Database System (NSLDS). 这是U.S. 教育部’s central database for federal student aid, including federal student loans.
This database will always have up-to-date contact information on your federal aid and student loans.
学生贷款服务机构
学生贷款服务机构 are entities paid by the federal 政府ernment to handle the billing and other services on federal student loans. You do not get to choose your loan servicer – the 教育部 assigns you one.
经济困难可能发生在任何人身上. Job loss, medical problems, or unexpected bills can make it difficult to repay your student loans. 如果你有经济困难，那 第一步 是给你的学生贷款服务机构打电话吗.
你的 学生贷款服务商 可能是下列情况之一:
- 基石
- 联邦贷款服务(PHEAA)
- 花岗岩State-GSMR
- 五大湖
- HESC / EDfinancial
- MOHELA
- Navient
- Nelnet
- osl维修.
请注意
谨防学生贷款债务减免骗局! 你不必为你的学生贷款买单. 学生贷款服务人员会为你提供帮助.
申诉专员公署
帮助解决学生贷款的问题或争议. If after contacting your student loan servicer and cannot resolve any problems or disputes, you may contact the Federal Student Aid (FSA) Ombudsman for assistance. The FSA Ombudsman works with federal student loan borrowers to resolve disputes or problems from an impartial, 独立的观点. 你可透过以下途径联络金融服务管理局申诉专员:
申诉专员公署
U.S. 教育部
第一街东830号
4楼UCP-#/ ms5144
华盛顿特区20202-5144
免费电话: (877) 557—2575
互联网: fsahelp.ed.政府申诉专员.ed.政府
拖欠联邦学生贷款的后果
Remember, regardless of your situation, you have the responsibility to contact your loan servicer.
其后果可能很严重，包括:
- The entire unpaid balance of your loan and any interest you owe becomes immediately due (this is called "acceleration").
- 你不能再接受延期或宽容了, 你就失去了享受其他福利的资格, 比如选择还款计划的能力.
- 你将失去获得额外联邦学生资助的资格.
- 违约将被报告给信用机构, damaging your credit rating and affecting your ability to buy a car or house or to get a credit card.
- 你的 tax refunds and federal benefit payments may be withheld and applied toward repayment of your defaulted loan (this is called “Treasury offset”).
- 你的工资将被扣减. This means your employer may be required to withhold a portion of your pay and send it to your loan holder to repay your defaulted loan.
- 你的贷款持有人可以把你告上法庭.
- You may not be able to purchase or sell assets such as real estate.
- 你可能会被收取诉讼费, 收集费用, 的律师费, 以及与收集过程相关的其他成本.
- 重建良好的信用记录可能需要数年时间.
- 你的 school may withhold your academic transcript until your defaulted student loan is satisfied. The academic transcript is the property of the school, and it is the school's decision—not the U.S. 教育部’s or your loan holder’s—whether to release the transcript to you.
不要让这种事发生在你身上!
学生贷款永远不会消失——直到你偿还!
更多信息请联系
学生财务服务
Berg大厅
澳门新甫京娱乐游戏下载
电话:775.327.2095
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