学生贷款办事处
Please contact the 金融援助 office with any questions regarding your 直接贷款.
离职面谈
Federal regulations require that students borrowing from the Federal Perkins Loan Program receive Exit Counseling at the time a student graduates or otherwise leaves the college.
退出咨询可能是 完成在线 或致电1-888-549-3274.
You also have the right to have part or all of your loan cancelled for -
- 死亡或完全和永久残疾;
- full-time employment in the Head Start Program or full-time staff member in a child care or pre Kindergarten program;
- full-time employment as a teacher in an elementary school serving low-income students;
- 专任特殊教育教师;
- full-time teaching of certain academic subjects in which there are teacher shortages;
- 全职护士或医疗技术人员;
- full-time employment in a public or nonprofit child or family service agency;
- full-time service as a qualified professional provider of early intervention services;
- full-time employment as a law enforcement or corrections officer or firefighter;
- 在敌对火力/迫在眉睫的危险地区服兵役;
- full-time employment as a librarian with a master’s degree or speech language pathologist with a master’s degree;
- full-time employment as a faculty member in a tribal college; or
- full-time employment as a federal public defender or federal community defender.
你可能有资格获得珀金斯贷款的延期或延期.
忍耐
If a borrower is willing but financially unable to make the required payments on a Perkins Loan, 他或她可以要求esball官方网给予宽容. 延期是暂时推迟付款, 延期:允许付款的延期, 或者接受比之前计划的更少的付款. 利息在任何期限内都将继续增加. 借款人必须以书面形式要求延期, providing documentation that supports the borrower's claim that he or she is financially unable to make payments.
每次的忍耐期最多为一年. It may be renewed, but the total period of forbearance may not exceed three years. The College is authorized to apply the forbearance retroactively (that is, to begin on an earlier date) if the borrower requests that the school do so and he or she provides adequate documentation to support the request.
准予忍耐的理由如下:
- If the total amount the borrower is obligated to pay monthly on all Student Financial Assistance (SFA) loans is equal to or greater than 20% of the borrower's total monthly gross income. 借款人必须提供以下文件:
- Evidence of the amount of the most recent total monthly gross income the borrower received and
- Evidence of the amount of the monthly payments the borrower owes for the most recent month on his or her SFA loans. Remember that if a payment is due quarterly you must divide the quarterly amount by three to determine the monthly amount due.
- 如果借款人身体不好. 借款人必须提供以下文件:
- Certification by a physician that the borrower is unable to work for a period of time.
- 如果借款人在美国服务队服务.
延期
借款人有权要求延期偿还贷款. During deferment, the borrower is not required to pay loan principal and interest does not accrue. 每次延期后, the borrower is entitled to a post-deferment grace period of six consecutive months. The promissory note you signed while in school describes many types of deferments, 比如在校延期, 可以通过珀金斯贷款计划获得. A borrower must apply for a deferment in writing by using a deferment form.
You may request an unemployment deferment if you are seeking and unable to find full-time employment. The documentation required is either proof that you are receiving unemployment benefits or you are registered with an agency and this agency is working towards finding you full-time employment.
你可以申请经济困难延期. A borrower is eligible for an economic hardship for the following reasons:
- The borrower has been granted an economic hardship deferment for either a Stafford or PLUS Loan for the same period of time for which the Perkins Loan deferment has been requested.
- 借款人正在接受联邦或州一般公共援助, 例如向有需要家庭提供临时援助, 补充保障收入, 补充营养援助计划(SNAP).
- The borrower is working full-time* and is earning a total monthly gross income that does not exceed (1) the monthly earnings of someone earning the minimum wage, 或者(2)借款人家庭规模的贫困线的150%.***
If you do not qualify for any of these forbearance or deferment programs, 我们仍将与您合作，以帮助您赶上您的付款. 详情请与办公室联络.
违约的后果
- 必须是罗德岛大学, 联邦法规, to report the status of your Perkins Loan to credit bureaus each month. If you become past due, your credit rating will be adversely affected.
- 如果你的贷款严重逾期, 您的帐户将转至催收机构催收. All associated collection costs will be added to your outstanding balance.
- You may not utilize the Cancellation provisions of the Perkins Loan program while in collections or default.
- 你的全部到期余额可能马上到期.
- 在违约期间，您没有资格获得任何联邦财政援助.
- Your ability to borrow money (a mortgage loan) for a home may be affected.
