研究生 Student Loan 延期 & 忍耐
The servicer can talk with you to see if you are eligible for a 延期 or 忍耐 which could reduce or temporarily suspend your scheduled payment. 你将被要求 to complete paperwork with your loan servicer if you qualify for the 延期 or 忍耐的地位. You should NEVER stop making payments until you have been placed in a status with the loan servicer, which allows you to not make payments.
Some 延期 conditions may be:
- Enrolled at least 半场 at an eligible postsecondary school
- Study in an approved graduate fellowship program or in an approved rehabilitation training program for the disabled
- Unable to find full-time employment (for up to 3 years)
- Economic hardship (for up to 3 years) (this category includes Peace Corps Service)
- A member of the National Guard or other reserve component of the U.S. 武装部队 (current or retired) who is called or ordered to active duty while enrolled at least 半场 at an eligible school, or within 6 months of having been enrolled at least 半场.
- While borrower is on active duty during a war or other military operation or national emergency and if the borrower was serving on or after October 1, 2007.
忍耐 allows you to postpone or reduce your scheduled monthly payment for a limited specified period of time. A forbearance may be granted when you are temporarily not able to make your scheduled payment for reasons such as, financial hardship, illness, 等. Interest accrues during the forbearance. If you do not pay interest during the forbearance, interest will be capitalized (added to the principal balance) at the end of the forbearance period.
Students may prepay their loans at any time without penalty or you may request a shorter 还款计划.
Once you begin repaying your loans, if the accrued interest and any outstanding late charges have been paid, then any extra amount you pay above your regular required monthly payment will reduce the outstanding principal balance of your loans.