Explore your interests and find a program that puts you on the path to a bright future. Tri-C offers both credit and non-credit courses as well as certificate programs in most career fields.
Tri-C's 劳动力培训 provides both non-credit and credit training for individuals and businesses to assist individuals with skills leading to employment. Tri-C's 企业大学 provides professional development and corporate training opportunities.
随着你在学术生涯中的进步, 偿还学生贷款是你应该经常考虑的事情. 还款开始于你毕业后,或者如果你注册的学分少于6个. 的 information on this website provides an overview of the different repayment options, 还款估算器的介绍, 贷款整合, 以及其他与学生贷款相关的资源. We hope that the information provided on this website will help guide your decision around what type of repayment plans are available to support your personal financial well-being and budget.
既然 COVID-19暂停支付结束, 学生贷款已经重新开始支付. 对于大多数借款人来说,还款暂停结束后的第一笔还款是 2023年10月到期. Review important concepts, tips, and recommendations for repaying your student loans at 偿还学生贷款.
的 国家学生贷款数据系统 is a system provided by the federal government to keep track of all federal aid that has been disbursed to you. It provides a centralized view of Title IV loans and grants so that you can access and keep track of your account at all times. 确保你有你的联邦学生援助ID来访问你的信息. 请注意,如果你已经采取了私人贷款, the information will not be provided in NSLDS and the total amount you have borrowed.
的 还款估计量 是一个伟大的工具,使用之前,你联系你的贷款服务. 的 repayment estimator gives you an advantage to see how much your estimated monthly payment plans are depending on the various repayment options. You will need information regarding your family’s income and household size to obtain the most accurate estimates.
一旦你毕业了, 撤销, 或者降到一半(6个学分)以下, 你需要完成直接贷款退出咨询. 一旦你完成了会话, you can determine which repayment plan is more beneficial for you according to your personal budget. 完成退出咨询要求. You will need your 联邦学生资助 Identification and password to access the website. 如果你忘了FSA ID信息, 点击这里.
If you plan to return to school or have already returned to school and are enrolled at 6 credit hours or more, 你有资格延期偿还贷款. Please see below for information regarding deferment and forbearance opportunities.
Understanding the repayment process can build a better financial foundation for your future. Federal loans must be repaid, just like home mortgages or car loans despite your financial situation.
偿还学生贷款
毕业后或入学时间不足一半(6学分), your loan servicer will be in communication with you regarding repayment of your loans. 如果你借了一笔以上的学生贷款, check with each of your loan servicers to ensure that you are making timely payments and that information is not being missed. As a borrower, you are responsible for making payments, even if a bill is not present. 如果您不确定您的贷款服务机构是谁,请访问 国家学生贷款数据系统 (NSLDS®)查看有关您的联邦学生贷款的信息.
Direct Consolidation Loan allows you to combine multiple federal loans into one single loan. 最终的结果将是每月一次付款. 如果你想记录你所有的付款,这个过程会非常有用. 查看下面的视频,找出为什么你应该考虑贷款合并.
You should make every effort to make your loan payments and avoid default status on federal student loans. Here are some steps that you can actively take to avoid defaulting on a federal student loan:
Track your loans online by utilizing NSLDS or go directly to your loan servicer’s website.
保存好关于你的经济援助的所有文件, 贷款信息披露, 付款时间表, 等贷款咨询资料.
Don’t be afraid to notify your loan servicer of any changes to your status such as: needing help with your monthly payments, 经历失业, 人口统计信息的变化, 退学, 或者你已经毕业了.
如果你不能支付月供, 与您的贷款服务机构联系有关延期或延期, or even switching your repayment option to one that best fits your financial needs. 点击查看您是否有资格获得贷款延期. You can request for a deferment or forbearance from your loan servicer or if you are attending school for at least half-time, 你可以申请在校休学. Contact your school and your loan servicer directly for information about how you can request an in-school deferment.
拖欠贷款情况
You can default on your loans if you fail to make proper payments according to the terms and conditions that you agreed upon in the promissory note. 联邦学生贷款, this would mean that you have been delinquent on your loan repayment for more than 270 days.
Some of the consequences for defaulting on a federal student loan can affect the following areas:
对你的信用有负面影响
汽车贷款审批
扣押工资
批准租赁物业或业主的保险
失去获得未来联邦财政援助的资格
如果你拖欠了联邦学生贷款,不要气馁! 有几个选择,如果你 违约 on a federal loan: rehabilitation, loan repayment, and 贷款整合 programs. 拖欠助学贷款或联邦珀金斯贷款, you will need to check with your school or guaranty agency to find out more information about how to get out of 违约 status for these specific loans.
We hope that you will find the information provided on this website useful and educational regarding repayment options, 默认的厌恶, 以及一些可以帮助你建立稳固财务未来的基本流程. If you have any questions regarding your loans, please contact the Student Financial Aid & 奖学金办公室216-987-6000,选项#2.