还款 & 债务管理
明智地管理你的债务
All student loans are like any other loan you may obtain during your life. Just like car loans and mortgages, you must repay your student loans. With careful planning and consideration, you can responsibly pay on your loans.
The federal government offers advice and tools to help you manage your federally-funded student loans.
还款样本和还款类型
You can use the following table as a reference to estimate your monthly loan repayment amount assuming that your borrow the Federal 直接补贴 and Unsubsidized Loan for all 4 ½ years you are enrolled at 正规的赌博app as a dependent student using the 标准还款计划. 您应该仅将此作为参考. 有关更具体的还款示例，请访问 U.S. 教育部直接贷款计划.
|
联邦直接补贴贷款 |
联邦直接补贴贷款 |
|
| 宽限期 | 6个月 | 6个月 |
| 还款期限 | 10年 | 10年 |
| 利率 | 6.8% | 6.8% |
| 借入本金 | $21,750 | $9,000 |
| 预计每月供款 | $250.30 | $103.57 |
| 估计总额(本金+利息) | $30,036 | $12428.40 |
还款类型
标准还款计划
符合条件的贷款
- 直接补贴
- 直接无补贴贷款
- 所有PLUS贷款
每月付款和时间框架
-
每月至少支付50美元的固定金额.
-
长达10年
比较
- You'll pay less interest for your loan over time under this plan than you would under other plans.
分级还款计划
符合条件的贷款
- 直接补贴
- 直接无补贴贷款
- 所有PLUS贷款
每月付款和时间框架
- Payments are lower at first and then increase, usually every two years.
- 长达10年
比较
- You'll pay more for your loan over time than under the 10-year standard plan.
延长还款计划
符合条件的贷款
- 直接补贴
- 直接无补贴贷款
- 所有PLUS贷款
每月付款和时间框架
- 付款可以是固定的，也可以是分级的.
- 目前消费量年
比较
Your monthly payments would be lower than the 10-year standard plan but you'll pay more for your loan over time than under the 10-year standard plan.
- If you are a Direct Loan borrower, you must have more than $30,000 in outstanding Direct Loans. If you are an FFEL borrower, you must have more than $30,在未偿还的FFEL计划贷款中.
- If you have borrowed through a Direct Loan program and through FFEL your qualification is based on the loan amounts for each. 例如, 如果你有35美元,在未偿还的FFEL计划贷款中, 和10美元,直接贷款, you can use the extended repayment plan for your FFEL Program loans, 但不包括你的直接贷款.
- For both programs, you must also be a 新借款人 as of Oct. 7, 1998.
以收入为基础还款计划(IBR)
符合条件的贷款
- 直接补贴
- 直接无补贴贷款
- 所有PLUS贷款提供给学生
- Consolidation Loans (Direct or FFEL) that do not include consolidated PLUS loans made to parents
每月付款和时间框架
- Your maximum monthly payments will be 15 percent of 可自由支配的收入, the difference between your Adjusted Gross Income and 150% of the poverty guideline for your family size and state of residence (conditions apply).
- 长达25年.
比较
- Your monthly payments will be lower than payments under the standard plan but you'll pay more for your loan over time than you would under the 10-year standard plan.
- You must have a partial financial hardship to qualify for this repayment option. If you have not repaid your loan in full after making the equivalent of 25 years of qualifying monthly payments and 25 years have passed, 你的贷款余额可能会被取消.
视收入而定的还款计划
符合条件的贷款
- 直接补贴
- 直接无补贴贷款
- 为学生提供的直接PLUS贷款
- 直接合并贷款
每月付款和时间框架
- Payments are calculated each year and are based on your annual income,* family size, and the total amount of your Direct Loans for up to 25 years.
*如果你已婚，你配偶的收入也包括在内.
比较
- Your monthly payments will be lower than the standard repayment plan but you'll pay more for your loan over time than under the 10-year standard plan.
- If you do not repay your loan after 25 years under this plan, the unpaid portion will be forgiven but you may have to pay income tax on the amount that is forgiven.
考虑收入的还款计划
符合条件的贷款
- 补贴
- 直接无补贴联邦贷款
- 为学生提供的助学贷款
- FFEL Consolidation Loans that do not include a PLUS loan made to parents
每月付款和时间框架
- 你的月供是按年收入计算的.
- 你的支付随着收入的变化而变化.
- 长达10年
比较
- Your monthly payments will be lower than payments under the 10-year standard plan but you'll pay more for your loan over time than you would under the 10-year standard plan.
修订的即赚即付还款计划(REPAYE)
符合条件的贷款
- 直接补贴贷款和非补贴贷款
- 向学生提供的直接PLUS贷款
- 直接合并贷款 that do not include PLUS loans (Direct or FFEL) made to parents
每月付款和时间框架
- 你的月供是百分之十 可自由支配的收入.
- Payments are recalculated each year and are based on your updated income and family size.
- 如果你结婚了, both your and your spouse’s income or loan debt will be considered, whether taxes are filed jointly or separately (with limited exceptions).
- Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 or 25 years.
比较
- Any Direct Loan borrower with an eligible loan type may choose this plan.
- Your monthly payment can be more than the 10-year Standard Plan amount.
- You may have to pay income tax on any amount that is forgiven.
- 对于那些寻找的人来说，这是一个不错的选择 公共服务贷款豁免 (PSLF).
即赚即付还款计划(PAYE)
符合条件的贷款
- 直接补贴贷款和非补贴贷款
- 向学生提供的直接PLUS贷款
- 直接合并贷款 that do not include (Direct or FFEL) PLUS loans made to parents
每月付款和时间框架
- Your maximum monthly payments will be 10 percent of 可自由支配的收入.
- Payments are recalculated each year and are based on your updated income and family size.
- 如果你结婚了, your spouse's income or loan debt will be considered only if you file a joint tax return.
- Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 years.
比较
- 你一定是个 新借款人 10月或之后. 2007年1月1日，并且必须收到 支付 在10月10日或之后的直接贷款. 1, 2011.
- 你的债务一定比你的收入高.
- Your monthly payment will never be more than the 10-year Standard Plan amount.
- You’ll pay more over time than under the 10-year Standard Plan.
- You may have to pay income tax on any amount that is forgiven.
- 对于那些寻找的人来说，这是一个不错的选择 公共服务贷款豁免 (PSLF).