联邦贷款
斯塔福德和PLUS贷款总是支付给你 贷款服务机构 (不是你就读的大学). 要了解谁在为您的贷款服务,请点击 在这里.
The Department of Education offers several repayment plan options. For information on Federal student loan repayment options click 在这里.
Before you contact your 贷款服务机构 to discuss repayment plans, 你可以使用教育部的 贷款模拟器 to get an early look at which repayment plans you may be eligible for and see estimates for how much you would pay monthly and overall.
私人贷款
Private | Alternative loan payments are remitted to the lender you originated the loan with. If you have taken out loans with multiple lenders you will have to make separate payments to each (unless you consolidate them). Repayment terms are typically determined at the time the loan is originated. 另外, t在这里 is no central database that tracks all of your private loans like t在这里 is for Federal student loans.
If you are not sure what the repayment terms are for the loan(s) you have outstanding, 立即与贷款人联系. Also check your mail and email as your lender will likely be trying to make contact with you. DO NOT ignore your lender as doing so will lead to delinquency and could negatively impact your credit.