If you fail to make your payments as scheduled, or do not promptly request deferment, 逾期收费和罚款可能会被评估,违规行为将被报告给信用局.
如果你的贷款持续拖欠很长一段时间,贷款可能会进入违约状态(当你的贷款服务机构在很长一段时间内没有每月付款时)。. 你的学校, the lender that owns your loan, 你的贷款担保人, 联邦政府可以采取行动收回你所欠的钱. Here are some consequences of default:
- 国家征信局 将 be notified, harming your credit rating.
- 你失去了资格 for additional federal (Title IV) student aid.*
- 资金可能会被扣留 from your paycheck for repayment of your loan.
- State 和 federal income tax 退款 可以扣缴并用于您所欠的金额吗.
- You may have to pay late fees 和, 如果你的贷款是放置在一个机构的收款, 至少30%和高达40%的催收费用可能会增加到整个贷款余额中. 您还将负责支付因违约而引起的任何法庭或法律费用.
- 你可能会被起诉.
Here's information about federal loan default: 避免违约, 理解违约, 摆脱违约.
*通过建立令人满意的还款安排,并在六个月内每月支付六个月,可以恢复联邦学生援助的资格.
集合
当拖欠的贷款被送到代理机构催收时, 借款人必须与代理机构作出还款安排. 借款人负责额外的催收费用和与催收债务有关的法律费用, as indicated in the promissory note.
康复
违约 Direct Subsidized/Unsubsidized, FFEL 斯塔福德, 珀金斯, +, SPU机构 贷款 are eligible for rehabilitation. To rehabilitate a defaulted loan, 你必须与贷款人签订协议,按时还款, 按月支付. A loan may be rehabilitated only one time. Advantages of rehabilitation include:
- Your loan(s) 将 no longer be considered to be in a default status.
- The default status reported 由你的贷款持有人到国家征信局将被删除.
- You 将 be eligible for the same benefits 这些都是在贷款违约前可以得到的. 这可能包括延期、延期和第四章资格.