联邦贷款
标准
Breaks down your loan balance into monthly payments of at least $50 for up to 10 years. 一般来说,这是你在利息支付上花费最少的计划. For complete information, click 在这里.
毕业
If your 收入 is low now, but you expect it to increase steadily over time, this plan may be right for you. Payments start out low and increase every 2 years for up to 10 years. IMPORTANT NOTE: Under 毕业 you 将 pay more in interest over time than if you selected 标准 Repayment. For complete information, click 在这里.
扩展
扩展 allows you to “extend” the repayment period from 10 years to up to 25 years. IMPORTANT NOTE: Under 扩展 you 将 pay more in interest over time than if you selected 标准 Repayment. 这个计划最适合那些贷款负担太大,无法在短短10年内承担标准月供的借款人. For complete information, click 在这里.
基于收入(IBR)有关
以收入为基础的还款(IBR)旨在减少每月付款,以帮助使你的学生贷款债务可控. If you need to make lower monthly payments, this plan may be for you. To qualify for IBR, you must have a partial financial hardship. 你有一个 partial financial hardship 如果你的10年期以下符合ibr条件的联邦学生贷款需要每月支付的金额 标准 Repayment Plan is higher than the monthly amount you would be required to repay under IBR. 你的支付金额每年可能会根据你的收入和家庭规模增加或减少. Once you've initially qualified for IBR, 即使您以后不再有部分经济困难,您也可以继续根据该计划付款. IMPORTANT NOTE: Under 以收入为基础(IBR) you 将 pay more in interest over time than if you selected 标准 Repayment. For complete information, click 在这里.
量入为出
即赚即付还款计划可以帮助你每月负担得起学生贷款, 而且根据你的收入,你的月还款额通常是还款计划中最低的. IMPORTANT NOTE: Under 量入为出 you 将 pay more in interest over time than if you selected 标准 Repayment. For complete information, click 在这里.
Income-Contingent (ICR)
收入或有还款(ICR)考虑到年收入、家庭规模以及贷款总额. If a loan balance remains after 25 years, it may be forgiven. Unlike the IBR Plan, borrowers need not be facing financial hardship to qualify. 这个计划可能对那些没有面临经济困难的借款人来说是最好的, 但其财务状况不足以承担其他还款计划下的月供. IMPORTANT NOTE: Under Income-Contingent (ICR) you 将 pay more in interest over time than if you selected 标准 Repayment. For complete information, click 在这里.
Income-Sensitive (FFEL 贷款 ONLY)
“收入敏感”允许借款人每月支付的金额考虑到年收入. 还款期限最长可达10年,尾款不获豁免. IMPORTANT NOTE: Under Income-Sensitive you 将 pay more in interest over time than if you selected 标准 Repayment. For complete information, click 在这里.
Private | Alternative 贷款
Most lenders do not offer repayment options. 还款期限通常在贷款开始时确定(例如:5年、10年、15年)。. If you are not sure what the repayment terms are for the loan(s) you have outstanding, contact the lender immediately.