Taking Responsibility for Your Student Loan
当您离开学校时，您的生活将以新的机会，挑战和责任承担不同的重点。这些责任之一是偿还您的学生贷款。您的学生贷款是您所欠教育的债务，尽管教育不是需要贷款的汽车，房屋，家具或类似购买的物理对象，但您应该像其他任何类型的贷款一样对待您的贷款债务是因为违约学生贷款的后果是相同的；如果不相似。
Debt Management
Because your student loan is a responsibility that goes away only when you repay your loan in full, how you handle this obligation can have either a positive or negative effect on your future. Upon graduation, it is strongly recommended that you gather as much information as you can about the loans you've received (even those you may have received as an undergraduate) and the total amount you owe. In addition, you should also make yourself familiar with the many repayment options that are available to assist you in repaying your loans during unexpected financial difficulties or hardships.
Review theLoans at a Glance FAQsheet to see details regarding institutional and federal loans you have received while attending UTHealth.
Know What You Owe
- 知道你借了多少
- Know the interest rate for each loan borrowed
- Know the repayment terms of each loan
- How long do you have to repay the loan?
- How much are monthly/quarterly/annual payments?
- When are payments due?
- Knowledge about your loan is obtained by keeping good records
Keep all of the information regarding your loans filed in a safe place- 保持良好记录时，违约的机会会减少
- 保留所有信件的副本，取消的支票和您签名的任何表格
The Consequences of Poor Debt Management
When paying monthly, failure to make a payment for 270 days causes your student loan to go into default. With the number of repayment options available to you, by following the strategies provided here, and by staying in contact with your lender or university, you should be able to maintain a good repayment record to avoid default.
违约的某些后果是：
- You can be sued for the entire amount of the loan
- 您的联邦所得税退款可以保留
- Other state and federal payments can be withheld
- If you are employed, your disposable income may be subject to "wage withholding". This means that your employer must deduct as much as 10 percent from your weekly or monthly paycheck to help recover the costs of your default
- Until satisfactory arrangements have been made to repay the default, you will be ineligible for federal financial aid
- Negative credit rating
These consequences can be avoided if you "live-by" the debt management strategies. Save yourself future headaches and keep track of your student loan payments.
有关默认预防的更多信息，请访问：https://studentaid.ed.gov/sa/repay-loans/default/avoid