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联邦帕金斯 & National Direct Loans - Deferment Options
表1-5:联邦珀金斯和国家直接贷款的延期
Borrower is eligible to defer repayment: National Direct Loan made before 10/1/80 National Direct Loan made on or after 10/1/80 but before 7/1/93 Perkins Loan made before 7/1/93 联邦帕金斯 and Direct Loans made on or after 7/1/93 在校期间至少有一半时间(不包括医疗实习/住院医师) 是的(1) 是的* 是的* 是的* (2) While seeking and unable to find full-time employment No No No 是的*
最长3年While experiencing periods of economic hardship No No No 是的*
最长3年While engaged in service that qualifies for cancellation No No No 是的* While serving in an eligible internship/ residency No 是的*
最长2年是的*
最长2年No 作为联合国的一员.S. Army, Navy, Air Force, or Coast Guard 是的
最长3年是的*
最长3年是的*
最长3年No While a Peace Corps volunteer or Vista volunteer 是的
最长3年是的*
最长3年是的*
最长3年No 而一个全职志愿者在为免税组织服务时可比 Peace Corps或Vista No 是的*
最长3年是的*
最长3年No While an officer in the Commissioned Corps of U.S. 公共卫生服务 No 是的*
最长3年是的*
最长3年No 由于照顾他人而暂时完全残疾或无法上学或工作 for temporarily totally disabled spouse/dependent No 是的* (3)
最长3年是的* (4)
最长3年No While on full-time duty as a member of the NOAA Corps No No 是的*
最长3年No 而一个学龄前儿童的母亲，开始或重返工作岗位 no more that $1 above minimum hourly wage No No 是的*
最长3年No 借款人在困难时期(长期患病或失业)** 是的 是的 是的 No 在延期期间，如果借款人的第四章贷款偿还义务等于或 超过借款人总收入的20%或借款人符合其他可接受的资格 原因* * 是的 是的 是的 No 注:
- 1980年10月1日之前发放的国防贷款，允许学生延期3年 enrolled less than half- time
- 包括研究生奖学金，奖学金支持的学习和批准的康复 项目
- 配偶只
- Spouse or other dependent
*This deferment is followed by a six-month grace period before repayment begins; during 在宽限期，不需要支付本金，也不产生利息.*
本金可以延期支付，但利息继续增加
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Title IV 差 Administered Loans - Cancellation 信息
表1 - 6: 取消联邦珀金斯贷款、国家直接贷款和国防贷款
服务类型 Defense Loans (Made before 7/1/72) National Direct Loans (Made 7/1/72-6/30/87) Perkins Loans (Made after 6/30/87) Perkins or Direct (Made after 7/22/92) 老师 全职教师从事数学、科学、外语、双语教育或中文教学 other fields designated as teacher shortage areas 没有一个 没有一个 没有一个 15% first and second years; 20% third and fourth years; 30% fifth year Full-time teaching handicapped children 15% per year up to 100% 15% first and second years; 20% third and fourth years; 30% fifth year 15% first and second years; 20% third and fourth years; 30% fifth year 15% first and second years; 20% third and fourth years; 30% fifth year Full-time teaching in special education 没有一个 没有一个 没有一个 15% first and second years; 20% third and fourth years; 30% fifth year Full-time teaching in low-income schools 15% per year up to 100% 15% first and second years; 20% third and fourth years; 30% fifth year 15% first and second years; 20% third and fourth years; 30% fifth year 15% first and second years; 20% third and fourth years; 30% fifth year 在小学、中学或高等教育学校的全职教师 10% per year up to 50% 没有一个 没有一个 没有一个 就业 Nurses and 医疗 Technicians providing Health Care Services 没有一个 没有一个 没有一个 15% first and second years; 20% third and fourth years; 30% fifth year 公共或非营利性儿童或家庭服务机构的全职雇员，提供 为低收入社区的高危儿童及其家庭提供服务 没有一个 没有一个 没有一个 15% first and second years; 20% third and fourth years; 30% fifth year 全职合格的专业早期干预服务提供者 没有一个 没有一个 没有一个 15% first and second years; 20% third and fourth years; 30% fifth year 在美国的服务.S. Armed Forces in an area of hostility 12.5% per year up to 50%; 4 year max 12.5% per year up to 50%; 4 year max 12.5% per year up to 50%; 4 year max Full-time law enforcement (advances on or after 11/29/90) 没有一个 没有一个 5% first and second years; 20% third and fourth years; 30% fifth year 5% first and second years; 20% third and fourth years; 30% fifth year Full-time service as staff member in a Head Start Program 没有一个 15% per year up to 100% 15% per year up to 100% 15% per year up to 100% Full-time Peace Corps/ VISTA Volunteer Services 没有一个 没有一个 15% first and second years; 20% third and fourth years 15% first and second years; 20% third and fourth years (Perkins) Total and permanent disability; death; qualified bankruptcy 100% 100% 100% 100%
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Return of Title IV Federal Student Aid - Policy
Return of Title IV Federal Student Aid
(This policy is based on 34 CFR, Section 668.22 of Title IV of the Higher Education Act of 1965, as amended.)This requirement applies to you ONLY if:
- You receive federal student aid, and
- 在完成援助期间的60%之前退出.
联邦法律要求接受联邦援助的人必须“挣得”他们所获得的援助 staying enrolled in college at least half time. Students who withdraw prior to completing 在他们获得联邦学生资助的学期中，60%的时间可能被要求 return some or all of the aid they were awarded.
法律假定你使用了第四章学生援助来支付你的学费 -- tuition, fees, dorm room, and board. Thus, if you withdraw prior to completing 你获得资助的学期的60%，按比例计算 must be returned to the federal government.
首先，大学将恢复适当的联邦资金来源的比例 share of the institutional 指控 that you paid. In general, the effect of this "return “第四章援助”将减少你的未偿贷款余额. 第二，如果学校退回的金额不足以偿还全部 “不劳而获”的助学金数额将根据你的入学时间长短而定 被要求归还你收到的部分联邦学生资助，用于支付非机构学费 指控.
必须归还给联邦援助来源的金额，无论是由大学还是 by you, will first be applied to your federal loans. With respect to any amount you 在大学归还其份额后，你将被允许偿还贷款 based on the original terms of the loan. In the event you received a grant or scholarship 从标题IV来源，你可能需要返回部分补助金或奖学金. 在联邦助学金或奖学金的“不劳而获”部分的情况下，你将是 expected to pay 50% of the "unearned" portion immediately.
学校退还给你的所有费用 收费将首先适用于偿还“不劳而获”援助的义务. 因此,部分 机构退款可以代表您申请到您的未完成的斯塔福德 或者珀金斯贷款，或者联邦助学金或奖学金的一部分，而不是实际上 退还给你.
退款分配顺序-退款将记入学生援助计划 accounts in the following order:
标题四项目
- Unsubsidized Federal Stafford Loans
- Subsidized Federal Stafford Loans
- 联邦珀金斯贷款
- 联邦PLUS贷款
- 联邦佩尔助学金
- ACG格兰特
- 聪明的格兰特
- 联邦SEOG计划
- 教授予
Other refunds will be credited to:
- State, private or institutional aid
- 学生
Refund Appeals Procedures
对退款政策有异议的学生可以提出退款上诉 in the Comptrollers Office, 202 Dossett Hall. It is the students responsibility to 提供书面文件，证明你提出上诉的理由. 取款 或因个人疾病/受伤而减少课程负担，需要来自 有执照的医生说明由于……的健康需要停药 the student; a death in the immediate family can be verified with a copy of the obituary. 直系亲属包括配偶、子女、继子女、父母、继父母、养父母、 parent-in-law, sibling, grandparents, and grandchildren. Other reasons must be supported by written documentation.
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Refund Appeals - Forms
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University Sponsored Loans
E.G. Hughes Enrollment Loan - Policy & Form
可帮助当前和以前的学生与未偿帐户余额 preventing them from future registration. University Enrollment loan funds of up to 在资金允许的情况下，可提供2,000美元，以帮助差学生完成优秀的学业 balance from a prior term.
大学/ E.G. Hughes Kick-Start Loan - Policy & Form
可用于帮助学生的紧急需求或意外开支有关的教育 十大博彩公司(我.e.; books) up to $500.00. This loan is not used for tuition and/or fee payment.
大学短期贷款(*目前无法获得贷款*)
在资金允许的情况下，可资助大学学费的一半. 这笔贷款是 协助没有足够收入或经济援助的差学生支付学费 缴费截止日期. This loan is not available for Summer terms.
E.G. Hughes Emergency Event Loan - Policy & Form
在本学期发生紧急情况时，协助差学生. 例子包括出租驱逐、火灾、公用事业中断、疾病或受伤 as evidenced by medical documentation. As funds permit, student may receive up to 1000美元用于支付他们的意外开支并维持他们的入学资格.