Student Loan 检查表 for Graduating Students

   

Graduating Students

Student Loan 检查表 for Graduating Students

  1. Complete Exit 贷款咨询
    All federal student loan borrowers must complete 出口咨询. 出口咨询 provides important information to prepare you to repay your federal student loans. It explains your loan responsibilities and when repayment begins. You are required to complete exit counseling before you graduate. 请填写 出口咨询.
     
  2. Review your Loan History
    • Review and access your loan history by logging into your Federal Student Aid 账户.
    • 了解你的 贷款服务机构. It’s important that you know who your 贷款服务机构 is and how to get in contact with them because you will eventually be making your loan payments to your servicer. Ensure you create an online 账户 on your 贷款服务机构’s website.
    • Make on-time payments to your 贷款服务机构. Your 贷款服务机构 will provide you with a loan repayment schedule that tells you when your first payment is due, the number and frequency of payments, and the amount of each payment. Contact your 贷款服务机构 if you haven’t received this information.
    • To make repayment simple, you may enroll in auto-pay.  Once you enroll, your payments will be automatically taken from your bank 账户 each month. For additional information, check with your 贷款服务机构 有关详细信息,.
  3. Review Loan Repayment Options
    • 还款计划: Review the various 还款计划 that are available. You can pick from repayment plans that base your monthly payment on your income or plans that give you a fixed monthly payment.
    • 宽限期: For most federal student loan types, there is a six-month 宽限期 before you must begin making payment.
    • Create a Budget: Review your income and expenses to determine how much you can realistically afford to pay monthly toward your federal student loans. 的re are tools to help you create and plan your 预算.
    • 贷款模拟器: 的 贷款模拟器 helps you estimate monthly student loan payments and choose a loan repayment option that best meets your needs and goals.
  4. Learn 关于 Loan Consolidation
    • A Direct Consolidation Loan allows you to combine all your federal student loans into one loan with one monthly payment.
  5. Learn If You Qualify for Loan Forgiveness
    • ​​Public Service Loan Forgiveness (PSLF) Program: If you’re employed by a government or not-for-profit organization, you might be eligible for the PSLF Program. You must make 120 qualifying payments under an acceptable repayment plan to qualify and be working full-time for an eligible employer. For more information see Public Service Loan Forgiveness.
    • Teacher Loan Forgiveness (TLF)计划: You may qualify for this program if you teach full-time for five complete and consecutive academic years in a low-income school or educational service agency and meet other qualifications. For more information see Teacher Loan Forgiveness.
  6. Know Your Options If You Can’t Make Your Loan Payment
    • If you don’t pay the full amount due on time or if you start missing payments, your loan will be considered delinquent, and late fees may be charged to you. 
    • If you can’t make your payments, contact your 贷款服务机构 immediately for help. Your 贷款服务机构 may offer you temporary or long-term options, such as changing repayment plans, 延期, 忍耐, or loan consolidation.
    • Always contact your 贷款服务机构 if you are having trouble making payments and to manage your loans.
  7. 私人贷款
    • If you have borrowed private loans, contact your lender and confirm the total loans you have borrowed
    • Make sure you have access to your lender 账户 portal
    • Work with the lender to understand your loan repayment options
资源 for Repaying Your 贷款