如果你没有按时付款, 或者不及时要求延期, late charges and fines may be assessed and the delinquency will be reported to the credit bureaus.
If your loan continues to be delinquent for an extended period of time the loan may go into default (the point when a monthly payment has not been made to your loan servicer for an extended period of time). Your school, 拥有你贷款的贷款人, your loan guarantor, 联邦政府可以采取行动收回你所欠的钱. 以下是违约的一些后果:
- National credit bureaus 会被通知,损害你的信用评级吗.
- You lose eligibility 申请额外的联邦(第四章)学生资助.*
- Funds may be withheld 从你的薪水中扣除,用来偿还贷款.
- 州和联邦所得税 refunds 可以扣缴并用于您所欠的金额吗.
- 你可能得付滞纳金 and, 如果你的贷款是放置在一个机构的收款, collection fees of at least 30 percent and up to 40 percent may be added to the entire loan balance. 您还将负责支付因违约而引起的任何法庭或法律费用.
- You may be sued.
以下是有关联邦贷款违约的信息: Avoiding Default, Understanding Default, and Getting Out of Default.
*Eligibility for federal student aid may be restored by establishing satisfactory repayment arrangements and making six monthly payments over a six-month period.
Collections
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. The borrower is responsible for the additional collection charges and legal fees associated with collection of the debt, 如本票所示.
Rehabilitation
Defaulted 直接补贴/非补贴,FFEL Stafford, Perkins, PLUS, and SPU Institutional 贷款有资格恢复. 偿还拖欠的贷款, 你必须与贷款人签订协议,按时还款, monthly payments. 一笔贷款只能恢复一次. 康复的好处包括:
- 你的贷款将不再 被认为处于默认状态.
- 报告的默认状态 由你的贷款持有人到国家征信局将被删除.
- 你将有资格享受同样的福利 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.