学生贷款指导和支持
Collin College has partnered with Edamerica to support former students in managing their student loans and maintaining good financial standing. 访问 our joint webpage for helpful resources.
了解学生贷款偿还和违约
我们在这里帮助你取得成功——无论是在学校还是在其他地方。 Stay proactive and informed to protect your financial health.
After graduation, leaving school, or dropping below half-time enrollment, you’ll have a 宽限期 之前 your federal loan repayment begins.
- Federal Direct Loans typically offer a 六个月 宽限期.
- Use this time to organize your finances, review loan terms, and choose a repayment plan that works for you.
您的贷款服务人员将与您联系您的第一个付款到期日。 避免违约：
- 每月按时足额付款。
- 设置自动借记或提醒以保持计划。
Missing payments can lead to 默认的, which carries serious, long-term consequences.
Check your complete loan history at studentaid.gov. 这个网站可以让你：
- 查看所有联邦贷款和服务。
- 跟踪支付和欠款。
- 查看平衡和兴趣。
不确定你的服务人员是谁？
电话:1.800.4.FED。援助(1.800.433.3243)
TTY: 1.800.730.8913
A loan is considered in 默认的 after 270天（约9个月） of missed payments. 违约会造成严重的经济后果：
- 信用评分损失 糟糕的信用评分会影响你获得贷款、租房或买车的能力。
- 扣发工资 -政府可以扣留你的部分薪水。
- 扣押退税 -可以获得联邦和州的退税以及社会保障福利。
- 失去经济援助 -在债务违约问题解决之前，你没有资格获得新的联邦援助。
- 额外的费用 -催收和法律费用会增加你的欠款。
- 背景调查问题 -可能影响工作和住房申请。
- 更少的还款选择 -你将无法获得延期、忍耐和基于收入的计划。
- 持久的影响 -违约将在您的信用报告中保留长达 七年。
管理你的贷款是保护你未来财务状况的关键。 遵循以下步骤：
- 了解你的贷款
Log in to studentaid.gov to view balances, terms, and servicer information. - 与你的服务人员保持联系
更新你的联系方式和回复信息，这样你就不会错过任何更新。 - 选择合适的还款计划
Consider income-driven plans that adjust payments based on your earnings and family size. - 按时付款
设置提醒或皇冠体育平台自动借记以保持一致——即使是小额付款也很重要。 - 询问延迟或忍耐
面临短期困难？ Talk to your servicer 之前 missing a payment. - 保持您的皇冠体育平台状态更新
If you’re attending classes half-time or more, make sure your school reports this to your servicer. - 完整的退出咨询
Exit counseling is required when leaving school or dropping below half-time — learn your repayment responsibilities. - 借明智
只借你真正需要的学费。 - 做预算
跟踪支出并计划每月付款。 稳健的预算=减少压力。 - 尽早联系
付款有困难？ 不要等待。 Contact your servicer or Collin’s 金融援助 Office for help.
还款计划
Although you may select or be assigned a repayment plan when you first begin repaying your student loan, you can change repayment plans at any time—for free. Contact your loan servicer if you would like to discuss repayment plan options or change your repayment plan. You can get information about all of the federal student loans you have received and find the loan servicer for your loans by logging in to "我的联邦学生资助."
查看所有还款计划
使用贷款模拟器
Before you contact your loan servicer to discuss repayment plans, you may want to
use the Department of Education’s 贷款模拟器 to get an early look at which plans you may be eligible for and see estimates for
how much you would pay monthly and overall.
比较还款计划