Financial Literacy & Repayment
有很多资源可以帮助你在学校负责任地借款，并在离开皇冠投注后偿还联邦学生贷款. We encourage you to review all of your options and, most importantly, 要明白合并你的联邦学生贷款或选择/改变你的付款计划是不收费的. 如果有人向你提供这些收费服务, you are not dealing with a federal loan servicer. You should never pay for these services.
To find your loan servicer information, log in to www.studentaid.gov 查看您的仪表盘或致电联邦学生援助信息中心1-800-433-3243.
If you are unsure who your federal loan servicer is, 您可以在网站上找到服务人员的姓名和联系信息 National Student Loan Data System (NSLDS).
请查看以下部分，了解学生贷款流程的每个阶段.
负责任地借钱的第一步是确保你不会借超过你需要的钱. Here are some ways you can limit the amount you borrow:
- Complete the FAFSA by March 1 each year. 3月1日是皇冠投注的优先截止日期，如果您是印第安纳州居民，将确保您获得所有礼物援助和国家援助的最大考虑.
- Apply for outside scholarships. 你可以在整个学术生涯中申请奖学金. 你可以通过以下网站搜索校外奖学金:
- 支付联邦直接无补贴贷款的利息. 当你进入偿还贷款时，任何未付的利息将资本化并添加到你的主要贷款余额中. 按时支付利息会降低你以后每月的还款额.
- Know the total amount you have borrowed. 皇冠投注建议学生每年至少完成一次财务意识咨询 studentaid.gov. 这个互动式咨询会议将允许您跟踪您的借款, 为您提供有关财务管理和预算的基本信息, as well as help you estimate your future monthly loan payment.
- Complete loan exit counseling. 在你的最后一个学期，你会收到财务援助办公室的通知，建议你完成这项必要的咨询. 这个互动咨询会议将通知你的联邦直接贷款余额, describe the available repayment plan options, and allow you to compare monthly payments for each plan.
- Keep your loan servicer in the loop. 让您的联邦贷款服务机构与您当前的联系信息保持同步是很重要的. If you move or get a new email address, 让你的服务人员知道，这样你就不会错过他们的重要通信.
- Sign up for online account access. 您可以通过联邦贷款服务机构注册在线帐户. Through their site, you can update your contact information, see when loan payments are due, and select your repayment plan.
- Start budgeting. Keep track of your monthly income and expenses. 这将使你在开始偿还联邦直接贷款时更容易将这些月供纳入你的预算. Remember that repayment begins six months after you graduate, 所以，明智地利用这段时间，为何时开始还款做准备.
For more information on preparing to repay your loans, watch this video from Federal Student Aid.
- Automate your payments. 通过联邦贷款服务机构注册自动借记，确保你不会错过付款.
- Prevent delinquency and default. 如果你在偿还贷款方面有困难，请联系你的贷款服务商. 有许多选择可以帮助你偿还贷款，其中可能包括:
- Changing your payment due date
- Changing your repayment plan. Check out these repayment calculators for different loan repayment options
- Consolidating your loans
- Requesting a deferment or forbearance
- 要查找您的联邦学生贷款余额，请登录您的帐户 www.Studentaid.gov . 对于私人贷款余额，您需要联系您的贷款服务机构或检查您的信用报告.
For more information on how to manage your student loans, watch this video from Federal Student Aid.
Student Loan Repayment Resources
暂停支付联邦学生贷款和利息的政策将于9月1日到期, 2023, and payments will be due starting in October 2023. 请参阅以下资料指引，以助你做好准备:
Student Connections: To help you take control of your student loan repayment, Butler University has partnered with Student Connections. 他们提供免费的咨询和资源，旨在帮助你浏览还款选择的迷宫.
You can contact a borrower advocate by calling (866) 311-9450. 学生连接借款人倡导者周一至周五，上午9:00至下午6:00美国东部时间.
You may also find answers to common student loan questions at Student Connections.
Student Loan Repayment Toolkit (nasfaa.org)
For more information on the new SAVE Repayment Plan, visit www.studentaid.gov.
What is consolidation?
直接贷款合并是一个选项，以简化您的贷款偿还过程. 它允许你把你在大学生涯中积累的联邦贷款合并成一笔贷款，每月还一次款. 这个选项可以通过延长还款期来降低你的月供，并提供将可变利率贷款转换为固定利率贷款的可能性. Generally, you are eligible to consolidate after you graduate, leave school or drop below half-time enrollment. 看看巩固你的联邦教育贷款的其他优势 Federal Student Aid website.
私人学生贷款不能与联邦学生贷款合并. However, 你的私人贷方可能会提供一个合并选项，或者你可以通过另一个私人贷款合并服务. 在合并私人贷款时，可能需要进行新的信用检查，有些人发现按原计划还款是更好的选择. 有关合并私人学生贷款的更多信息，请查看 FinAid.org and The Simple Dollar.
How do I consolidate my loans?
Applications for Direct Loan consolidation can be found at Studentaid.gov. You can complete and submit the application online, 或者你可以从学生贷款网站下载并打印一份纸质申请.gov for submission by U.S. mail.
为了巩固你的私人贷款，你需要联系你的贷款人. 有关以下私人贷款机构合并的更多资料，请浏览: Discover Loans, Citizens Bank.