联邦贷款
标准
将你的贷款余额分解为每月至少50美元的还款,最长可达10年. In general, this is the plan that 将 cost you the least amount of money in interest payments. 完整信息请单击 在这里.
毕业
如果你现在的收入很低, 但随着时间的推移,它会稳步增长, 这个计划可能适合你. 付款开始时很低,每两年增加一次,最长可达10年. 重要提示:本科毕业的你 将 与选择标准还款方式相比,你需要支付更多的利息. 完整信息请单击 在这里.
扩展
扩展允许您将还款期限从10年“延长”到最多25年. 重要提示:下延伸你 将 与选择标准还款方式相比,你需要支付更多的利息. This plan works best for borrowers whose loan burden is too large to bear the standard monthly payments over the course of just 10 years. 完整信息请单击 在这里.
基于收入(IBR)有关
Income-Based Repayment (IBR) is designed to reduce monthly payments to assist with making your student loan debt manageable. 如果你需要减少月供,这个计划可能适合你. 要符合IBR资格,您必须有部分经济困难. 你有一个 部分经济困难 if the monthly amount you would be required to pay on your IBR-eligible federal student loans under a 10-year 标准还款计划 是否高于根据IBR规定你每月须偿还的款额. Your payment amount may increase or decrease each year based on your 收入 and family size. 一旦你有资格申请IBR, you may continue to make payments under the plan even if you later no longer have a 部分经济困难. 重要提示:根据收入基础(IBR)你 将 与选择标准还款方式相比,你需要支付更多的利息. 完整信息请单击 在这里.
量入为出
The 量入为出 Repayment Plan helps keep your monthly student loan payments affordable, and usually has the lowest monthly payment amount of the repayment plans that are based on your 收入. 重要提示:低于工资,因为你赚你 将 与选择标准还款方式相比,你需要支付更多的利息. 完整信息请单击 在这里.
助学(ICR)
Income-Contingent Repayment (ICR) takes into consideration annual 收入 and family size as well as the total loan amounts. 如果贷款余额在25年后仍然存在,则可以免除. 与IBR计划不同的是,借款人不必面临财务困难就能获得资格. This plan may be best for those borrowers who are not facing demonstrated financial hardship, but whose financial situation is insufficient to bear the monthly payments under other repayment plans. 重要提示:根据收入(ICR)你 将 与选择标准还款方式相比,你需要支付更多的利息. 完整信息请单击 在这里.
对收入敏感(只适用于FFEL贷款)
Income-Sensitive allows borrowers to pay a monthly amount that takes annual 收入 into consideration. The length of the repayment period is up to 10 years and the balance is not forgiven at the end. 重要提示:在收入敏感的你 将 与选择标准还款方式相比,你需要支付更多的利息. 完整信息请单击 在这里.
私人|另类贷款
大多数贷款机构不提供还款选择. 还款条件通常在贷款开始时确定 (ex: 5, 10, 15 years). 如果你不确定贷款的还款条件是什么, 立即与贷款人联系.