Once you are no longer enrolled in 和 attending at least six credit hours, repayment of your federal student loans begins after a six-month grace period. During the grace period, you will receive repayment information from the loan servicer, including the first payment due date (interest accrues on both loans but payments are not enforced).
学生 偿还贷款 information as well as information on the servicer assigned to your student loans can be found at Federal 学生 Aid: 学生 Loan 还款.
也看到 Federal 学生 Aid: Parent PLUS Loans for repayment information.
还款计划
The Federal Direct loan program offers several repayment plans that are designed to meet the different needs of individual borrowers. 一般, students have 10 to 25 years to repay their loan, depending on the repayment plan that they choose.
Detailed information on repayment options is provided during the m和atory Entrance Loan Counseling 和 Exit Loan Counseling 会话.
Sample Loan 还款 Schedule
Examples of typical Federal Direct Loan 和 Federal Parent PLUS Loan 还款 plans to illustrate the differences in monthly payments based initial loan debt 和 choice of repayment plan. These examples do not include all the repayment plan options 和 are for estimation purposes only. To get a better idea of your estimated monthly repayment options based on your specific loan debt, 使用 Department of Education’s online calculator. 也看到 Federal 学生 Aid, 还款计划.
Payments in each of the following repayment options are calculated using the fixed interest rate of 4.99%.
还款 Option: St和ard
| Initial debt when you enter repayment | 每个月 | 月数 | 总回报 |
| $3,500 | $50 | 120 | $4,230 |
| $5,500 | $60 | 120 | $7,163 |
| $10,500 | $114 | 120 | $13,674 |
| $17,000 | $184 | 120 | $22,139 |
| $25,000 | $271 | 120 | $32,558 |
| $40,000 | $434 | 120 | $52,093 |
| $57,500 | $624 | 120 | $74,883 |
还款 Options: Graduated
| Initial debt when you enter repayment | 每个月 | 月数 | 总回报 |
| $3,500 | $22 – $65 | 120 | $4,836 |
| $5,500 | $34 – $102 | 120 | $7,599 |
| $10,500 | $65 – $194 | 120 | $14,508 |
| $17,000 | $105 – $315 | 120 | $23,490 |
| $25,000 | $154 – $463 | 120 | $34,544 |
| $40,000 | $247 – $741 | 120 | $55,270 |
| $57,500 | $355 – $1,065 | 120 | $79,451 |
还款 Option: Extended Plan
| Initial debt when you enter repayment | 每个月 | 月数 | 总回报 |
| $3,500 – $25,000 | Not available at these amounts. |
| $40,000 | $246 | 300 | $73,690 |
| $57,500 | $353 | 300 | $105,930 |
Income Driven 还款 Option: Saving on a Valuable Education (SAVE)
- Assumed marital status of single,
- Adjusted Gross Income of $30,000,
- Household size of 1, 和
- 爱荷华州居民.
| Initial debt when you enter repayment | 每个月 | 月数 | 总回报 |
| $3,500 | $0 – $100 | 156 | $4,584 |
| $5,500 | $0 – $131 | 180 | $7,657 |
| $10,500 | $0 – $204 | 228 | $16,085 |
| $17,000 – $57,000 | $0 – $204 | 240 | $17,058 |
Income Driven 还款 Option: Saving on a Valuable Education (SAVE)
- Assumed marital status of married,
- Adjusted Gross Income of $30,000 each student 和 spouse (total $60,000),
- Household size of 3, 和
- 爱荷华州居民.
| Initial debt when you enter repayment | 每个月 | 月数 | 总回报 |
| $3,500 | $34 – $114 | 60 | $4,162 |
| $5,500 | $34 – $155 | 84 | $6,981 |
| $10,500 | $34 – $225 | 120 | $14,891 |
| $17,000 | $34 – $342 | 168 | $26,093 |
| $25,000 | $34 – $450 | 204 | $40,911 |
| $40,000 – $57,500 | $34 – $534 | 240 | $57,258 |
还款 Option: Pay As You Earn (PAYE) 和 Income-Based 还款 (IBR) Plan
- Assumed marital status of single,
- Adjusted Gross Income of $30,000,
- Household size of 1, 和
- 爱荷华州居民.
| Initial debt when you enter repayment | 每个月 | 月数 | 总回报 |
| $3,500 – $5,500 | Not available at these amounts. |
| $10,500 | $68 – $114 | 144 | $14,815 |
| $17,000 | $68 – $184 | 1692 | $28,235 |
| $25,000 | $68 – $271 | 240 | $42,026 |
| $40,000 – $57,500 | $68 – $347 | 240 | $44,014 |
还款 Option: Pay As You Earn (PAYE) 和 Income-Based 还款 (IBR) Plan
- Assumed marital status of married,
- Adjusted Gross Income of $30,000 each student 和 spouse (total $60,000),
- Household size of 3, 和
- 爱荷华州居民.
| Initial debt when you enter repayment | 每个月 | 月数 | 总回报 |
| $3,500 – $17,000 | Not available at these amounts. |
| $25,000 | $189 – $271 | 132 | $34,294 |
| $40,000 | $189 – $434 | 180 | $64,098 |
| $57,000 | $189 – $624 | 240 | $100,337 |
还款 Option: Income-Contingent 还款 (ICR) Plan
- Assumed marital status of single,
- Adjusted Gross Income of $30,000,
- Household size of 1, 和
- 爱荷华州居民.
| Initial debt when you enter repayment | 每个月 | 月数 | 总回报 |
| $3,500 | $22 – $28 | 228 | $5,769 |
| $5,500 | $35 – $45 | 228 | $9,065 |
| $10,500 | $67 – $85 | 228 | $17,306 |
| $17,000 | $109 – $138 | 228 | $28,019 |
| $25,000 | $160 – $203 | 228 | $41,204 |
| $40,000 | $256 – $325 | 228 | $65,927 |
| $57,500 | $257 – $485 | 252 | $103,269 |
还款 Option: Income-Contingent 还款 (ICR) Plan
- Assumed marital status of married,
- Adjusted Gross Income of $30,000 each student 和 spouse (total $60,000),
- Household size of 3, 和
- 爱荷华州居民.
| Initial debt when you enter repayment | 每个月 | 月数 | 总回报 |
| $3,500 | $32 – $34 | 144 | $4,813 |
| $5,500 | $50 – $53 | 144 | $7,564 |
| $10,500 | $96 – $102 | 144 | $14,440 |
| $17,000 | $155 – $165 | 144 | $23,380 |
| $25,000 | $228 – $242 | 144 | $34,382 |
| $40,000 | $365 – $388 | 144 | $55,011 |
| $57,500 | $525 – $557 | 144 | $79,079 |
Inceptia Provides Loan 还款 Assistance
You’re not alone when it comes to student loans. Hawkeye 社区 College has partnered with Inceptia, a division of National 学生 Loan Program (NSLP), to provide you with FREE assistance on your Federal student loan obligations to ensure successful, 和舒适的, 偿还贷款. Inceptia’s friendly customer representatives may reach out to you if your loan(s) become delinquent. Inceptia is not a collection agency. We’ve partnered with them to help you explore a wide variety of possibilities such as alternative repayment plans, 延期, 整合, 放电, 宽恕, 和 forbearance options. Inceptia will stay in touch with you via phone calls, 信, 和/or emails to help you find answers to your questions 和 solutions to your issues.
Consequences of Default
You are responsible for repaying your student loans even if you do not graduate, have trouble finding a job after graduation, or if you are not satisfied with your education. If you do not make any payments on your student loans for over 270 days 和 do not make special arrangements with your lender to get a 延期 or forbearance, your loans will go into default. Defaulting on your student loans has serious consequences, such as:
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Your loans may be turned over to a collection agency at which point you are now responsible for the very high collection agency fees.
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Your wages may be garnished 和 you can be sued for the entire amount of your loan.
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Your federal 和 state income tax refunds may be intercepted or your Social Security benefit payments can be withheld.
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Your defaulted loans will appear on your credit record. A bad credit record can affect your ability to purchase a car, home, 和 credits cards. It may also affect your ability to find a job.
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You may lose eligibility to receive any more federal financial aid until you make proper arrangements.
Postponing 还款
The two options available for postponing repayment of your student loans are 延期s 和 forbearances. Stay in contact with the lender, they will help you determine if you are eligible for a 延期 or forbearance BEFORE you default.
延期
The lender allows you to postpone repaying the principal of your loan for a specific period of time, making your debt more affordable. Contact your lender for more specific information regarding this process.
也看到 Federal 学生 Aid: 学生 Loan Deferment.
忍耐
During forbearance, the lender allows you to postpone or reduce your payments, but the interest charges continue to accrue. Contact your lender for more specific information regarding this process.
也看到 Federal 学生 Aid: 学生 Loan Forbearance.
Getting Out of Default
To get out of default, you need to make arrangements with your servicer or lender to repay the loan. Once you have made six regular payments, you will be eligible for additional Title IV aid. After you have made twelve regular payments 和 applied for 和 received "rehabilitation", you will no longer be considered in default. At this time, record of the default will be removed from the reports to credit reporting bureaus.
For information about your options, contact the servicer of the loan 和/or the original lender. If you do not know who currently is servicing your loan, create an account with Federal 学生 Aid.