超越离职咨询

祝贺你! 这对你来说是个激动人心的时刻! It's also a time when it's easy to forget about loan 还款 amidst the excitement. 以下是一些成功偿还贷款的有用建议.

1. 出口咨询 -知道你欠谁/欠什么!

   After graduation, students who borrowed loans should complete 出口咨询 at Studentaid.政府. 你也可以在任何时候查看你的联邦贷款总额 Studentaid.政府. You will need your Federal Student Aid (FSA) ID in order to log into either website. 创建或检索您的FSA ID Studentaid.政府.

   出口咨询 is important to get you started on the right track - 知道 how much you owe, 你需要向谁付款, 当这些付款开始时, as well as options for deferment or forbearance if you are having trouble making payments.

   The 财政援助办公室 will continue to support you after graduation - call us any time for loan advice, 帮助 联邦贷款合并 或者讨论还款选择!

   You can also get free one-on-one loan counseling with ECMC Solutions. 注册你的免费 ECMC学习 账户.

2. 预算 -确定你能付多少钱.
   ECMC offers free budgeting calculators - it's important to be realistic about your monthly bills 和 plan for your required loan payments.
3. 贷款估计 - Underst和 your monthly requirements, 和 choose the right loan 还款 plan for you.
   想估算一下你每月的贷款还款额? 查看贷款偿还估计 Studentaid.政府 和 资助.org to see how much you may pay per month on various 还款 plan options.
4. 保持联系!
   任何时候你改变你的地址, 电话号码, 或电子邮件, 重要的是让UIW, 还有你的贷款服务商, 知道. 如果我们不能和你取得联系，我们就不能帮助你!
5. 付款困难?
   有关贷款请联系uw 或您的贷款服务机构的选项! ECMC学习 有贷款专家，而且对UIW学生免费.

Withdrawing or dropping courses can have a big impact on your current 和/or future aid.

取款

你应该经常联系 财政援助办公室 before you withdraw to find out what kind of financial impact this will have on your aid. When you withdraw from a semester (or a mini-term), the Dept. of Education requires that we calculate how much of the time you were 预定出席 (i.e. 注册)和你的时间 实际上参加了. This results in a percentage that may require us to return part of your aid. 这是必需的 even if you completed a previous mini-term in the same semester 和 即使你收到100%的学费/费用退款. 取款 also cause a reduction in your cumulative completion percentage, 因为你花了那么多时间，却没有赚到钱. This can cause you to lose eligibility for future aid (pending an appeal) due to the federal 令人满意的学业进展 (SAP)的要求.

滴

Dropping coursework affects your cumulative completion percentage; that is, the percentage of hours you have earned versus those you have attempted. 我们被要求使用累积百分比, including any coursework attempted/earned at any previous college/university. Dropping can cause you to lose eligibility for current or future aid due to renewal requirements for specific aid funds, 或者联邦政府 令人满意的学业进展 (SAP)的要求. 如果你已经在SAP试用, 你可能会失去将来所有获得援助的资格, 除非你提交新的上诉并被批准.

任何时候你退出或低于一半的注册, we are required to report the change in enrollment to your student loan servicers. This may trigger you to go into your grace period (typically 6 months) 和 subsequently into 还款 on your student loans.

退出后会发生什么?

The 财政援助办公室 can help you at any time, even if you've already left UIW! 不要求预约，但鼓励预约. 澳门博彩官网下载 寻求帮助!

1. Find out who your student loan servicer(s) is/are 和 how much you owe: Studentaid.政府
2. 完整的贷款退出咨询: Studentaid.政府
3. Contact your loan servicer(s) 和 request a 还款 plan that works for you. 不知道该选哪个计划? 澳门博彩官网下载 寻求帮助!
4. 一旦你重新注册至少一半时间(在任何学校), make sure that you contact your loan servicer(s) to notify them 和 put your loans back into an in-school deferment.

需要在正常营业时间以外的建议? ECMC学习 has loan experts available 24/7 和 it's free to UIW students!

当你转到另一所学校时, your aid does not automatically transfer over to the new school - you must take steps to transfer your FAFSA as well as notify your loan servicers of your new enrollment.

1. If you are transferring mid-year, add your new school to your FAFSA. Keep in mind that not all aid will transfer - you will need to speak to your new school about the aid you will be eligible for with them. 如果你打算在夏天开始的话, be sure to contact the school to find out which year's FAFSA covers their summer sessions.
2. Find out who your student loan servicer(s) is/are 和 how much you owe: Studentaid.政府
3. 为uw提供完整的贷款退出咨询: Studentaid.政府
4. 一旦你重新注册至少一半时间, make sure that you contact your loan servicer(s) to notify them 和 put your loans back into an in-school deferment.

The 财政援助办公室 is happy to help you at any time, even if you've already left UIW!

Exit counseling is required for all students who have student loans 和/or Federal TEACH grants (from UIW or other schools) who graduate, 退学, 或者低于中场休息时间.

教授予

TEACH补助金退出咨询可在以下网站完成 Studentaid.政府. 使用您的FSA ID登录(创建一个) Studentaid.政府 (如果你还没有). 点击“开始”，然后按照提示操作. Once completed, we will receive your exit results electronically.

完成离职咨询是很重要的, 和 also that you keep both UIW 和 your TEACH Grant servicer updated at all times on your contact information. You will also report your teaching service at least annually to your grant servicer in order to keep your grant from being converted to a Direct Unsubsidized loan. Once the conversion occurs, it is not possible to convert it back to a grant.

学生贷款

您可以查看Dept. 的退出教育辅导指引: 退出辅导指南.

要完成在线直接贷款退出咨询，请访问 Studentaid.政府，并使用您的FSA ID登录. You will need to create a new FSA ID if you have not created one previously. 创建或检索您的FSA ID Studentaid.政府.

Once you are logged in, click on “Manage Loans” 和 then choose “Complete 出口咨询".

Make sure you list 道成肉身的大学 as one of the schools who should receive your results. We will not require a copy of the confirmation unless we do not receive your electronic confirmation. You should keep a copy of the confirmation for your own records.

You will be able to receive a full summary of your Federal loans during the counseling session. 如果你有其他(私人)贷款, they will not be listed 和 you will need to contact your lender directly in order to receive a loan summary from them.

如果你知道你的私人贷款信息, you will be given the opportunity to add these amounts during the counseling session to get an estimate of the total monthly payments for all of your student loans.

如果你找不到你的贷款人, 完成你的退出咨询, 或者对管理债务有疑问, 还款, 整合, 等.，请致电(210)829-6008或 finaid@uiwtx.edu.

一旦学生毕业, 转移, 退出或降到半场状态以下, they will have a grace period of 6 months 和 1 day before they enter 还款 on their direct student loans that they borrowed at UIW. It is important you underst和 when your grace period starts 和 ends, 以及何时开始还款.

最重要的是, 知道ing what you owe 和 the different 还款 options available to you will help you make the best decision possible when setting up your 还款 plan with your lender(s). Below are some available resources, that will aid you in this process:

知道你欠什么!

1. 直接联邦学生贷款
   Students can view Federal Direct loan 和 Pell grant balances at any time, 以及检索他们的学生贷款数据文件通过 Studentaid.政府. 请注意，您需要您的FSA ID凭据才能登录. A 还款估计量 is available to students online as well 和 can be used to view 还款 options for your student loans.
2. 国家贷款(欧洲央行B-on-Time贷款和大学入学贷款)
   访问 德州高等教育协调委员会学生贷款 to view your balances 和 payment information for the B-on-Time Loan, or the College 访问 Loan. The B-on-Time Loan must be repaid if you do not qualify for loan forgiveness. These loans are owned 和 managed by the Texas Higher Education Coordinating Board (THECB). 通过他们的网站或800-242-3062联系欧洲央行.
3. 非联邦贷款
   年度CreditReport.com is a free website you can use to obtain a free copy of your credit report from each of the three credit bureaus every 12 months. You will find any private loans you’ve borrowed on your credit report, regardless of who you borrowed them from or what school you borrowed them at. You should review your credit report periodically to ensure your information is correct.
4. ECMC学习 is a nonprofit corporation that has teamed up with UIW to assist you with your federal student loans! 当你从威斯康星大学毕业时, 您可以拨打1-844-HELPFUL与ECMC联系, 和 they will assist you in reviewing 和 setting up your loan 还款 options.

如果你在支付学生贷款方面有困难, 了解你的选择很重要.

Don't be afraid to reach out - the 财政援助办公室 is here to help, 不管你毕业多久了!

不要忽视这个问题!

Failing to make payments on your loans can result in big problems for your credit rating, 甚至你找工作的能力. Don't let this happen to you - there are ways to manage 还款, as long as you reach out to your servicer or someone else who can assist you.

改变你的还款计划

You are allowed to change your 还款 plan at least once a year - simply contact your servicer to go over options 和 payment estimates. There are even 还款 plans that take into consideration the amount of money you make 和 how many people are in your household, 哪些被称为“收入驱动的还款计划”." For more details on income-driven 还款 options, see the 联邦助学贷款偿还网站.

申请延期或宽限

如果改变你的还款计划对你不起作用, 你可能有资格申请延期或宽限. Keep in mind that deferments or forbearances have a limited amount of time that you can use them, 和 they do not make loans go away - they simply postpone your payments, 而贷款通常会继续收取利息. 把推迟或容忍作为最后的手段.

看看贷款减免计划

Are you working in public education, public health, non-profit, or emergency management? 你可能有资格获得贷款减免! Research federal loan forgiveness programs at the Federal Student Aid site.

请联系uw有关贷款支付 或您的贷款服务机构的选项!

ECMC学习 is a free “Financial 健康” tool that is available to all current UIW students via 基本的应用. Browse through an extensive library of financial wellness courses, tools 和 personalized financial goals created specifically for your needs. You will be able to create a “financial” checklist 和 track your progress as you master assigned courses 和 exercises personalized for you! Be sure to log into your ECMC学习 portal every week for updated articles 和 featured topic that influences financial behaviors.

You've adjusted to life IN college, now it's time to adjust to life AFTER college! You will no longer have financial aid disbursements to assist with living expenses, 你需要习惯明智地做预算, 偿还贷款，设定/实现财务目标.

平均薪酬范围

对你选择的职业的薪水有一个现实的想法. Sources for salary information might be family or friends who work in the industry, 在类似机构工作的大学校友, 校本的 职业服务 office, ranges posted in Help Wanted ads, or salary surveys conducted by professional organizations. Once you have an estimated pay range, you can use websites such as 薪水的城市 计算你税后的实得工资, 根据你的申请状态和你所在的州.

制定支出计划

1. 记录一个月的开销.
2. 把你的开支分类，比如房租/抵押贷款, 公用事业公司, 食物, 气体, 娱乐, 外出就餐, 储蓄和信贷/贷款支付. Make notes on which expenses are fixed (such as rent), 和 which are variable (such as 食物/气体).
3. 把你每月的总收入加起来. If your pay fluctuates each month, calculate a reasonable average.
4. 比较你每月的支出和收入.
5. Make adjustments to your monthly expenses if they exceed your monthly income. Are there areas such as 娱乐 or 外出就餐 where you can reduce your spending? 如果你的月收入超过你的支出, consider putting money into savings for emergencies or paying off debt such as credit cards or student loans.
6. Monitor your budget monthly to be sure you are meeting your current financial goals 和 consistently putting money into savings for emergencies.
7. 需要预算方面的帮助? ECMC学习 has budget calculators 和 spending plans to help you get (和 stay!步入正轨.

Most financial advisors will tell you that putting money into savings is one of the most important things you can do to secure your financial future. Reducing your debt will be hard to do in the long term if you are not putting money away into savings to 账户 for life's unexpected events. Try to keep at least $1000 available in savings at all times for those little emergencies, 这样你就不会被迫增加信用卡债务. Make it part of your monthly spending plan to put a specific amount in your savings from every paycheck.