Explore your interests and find a program that puts you on the path to a bright future. Tri-C offers both credit and non-credit courses as well as certificate programs in most career fields.
多于1,000 credit courses are offered each semester in more than 200 career and technical programs. Tri-C also grants short-term certificates, certificates of proficiency and post-degree professional certificates.
Tri-C's 劳动力培训 provides both non-credit and credit training for individuals and businesses to assist individuals with skills leading to employment. Tri-C's 企业大学 provides professional development and corporate training opportunities.
Tri-C offers a variety of affordable and convenient community programs for both adults and youth. 的se programs are designed to promote individual development.
As you progress through your academic career, repaying your student loans is something that you should always consider. Repayment begins after you graduate or if you enroll for fewer than six credits. 的 information on this website provides an overview of the different repayment options, an introduction to the repayment estimator, 贷款整合, and other resources related to student loans. We hope that the information provided on this website will help guide your decision around what type of repayment plans are available to support your personal financial well-being and budget.
参观 金融教育 webpage for more information regarding credit scores and other information.
重要的公告
既然 COVID-19 payment pause has ended, student loan payments have restarted. For most borrowers, the first payment after the payment pause ended was 2023年10月到期. Review important concepts, tips, and recommendations for repaying your student loans at 偿还学生贷款.
的se guides can assist you in preparing for loan repayment.
的 Department of Education has made modifications to the Income-Driven Repayment (IDR) plans for eligible William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Program borrowers.
Borrowers can lower their monthly loan payments, 甚至到0美元, by enrolling in the new Saving on a Valuable Education (SAVE). 了解SAVE.
的 National Student Loan Data System is a system provided by the federal government to keep track of all federal aid that has been disbursed to you. It provides a centralized view of Title IV loans and grants so that you can access and keep track of your account at all times. Make sure that you have your 联邦学生资助 ID to access your information. Please note that if you have taken out private loans, the information will not be provided in NSLDS and the total amount you have borrowed.
的 还款估计量 is a great tool to use before you contact your loan servicer. 的 repayment estimator gives you an advantage to see how much your estimated monthly payment plans are depending on the various repayment options. You will need information regarding your family’s income and household size to obtain the most accurate estimates.
一旦你毕业了, 撤销, or dropped below half-time (six credits) enrollment, you are required to complete Direct Loan 出口咨询. Once you have completed the session, you can determine which repayment plan is more beneficial for you according to your personal budget. Complete the 出口咨询 requirement. You will need your 联邦学生资助 Identification and password to access the website. If you forgot your FSA ID information, 点击这里.
If you plan to return to school or have already returned to school and are enrolled at 6 credit hours or more, you are eligible to have your loans deferred. Please see below for information regarding deferment and forbearance opportunities.
Understanding the repayment process can build a better financial foundation for your future. Federal loans must be repaid, just like home mortgages or car loans despite your financial situation.
偿还学生贷款
After you graduate or are enrolled for less than half-time (six credits), your loan servicer will be in communication with you regarding repayment of your loans. If you borrowed more than one student loan, check with each of your loan servicers to ensure that you are making timely payments and that information is not being missed. As a borrower, you are responsible for making payments, even if a bill is not present. If you are unsure of who your loan servicer is, please visit the National Student Loan Data System (NSLDS®) to view information regarding your federal student loans.
Various repayment options are available to student borrowers. Be sure to check out additional information on the 联邦学生资助 webpage for the latest information.
Consolidating Your 学生贷款
Direct Consolidation Loan allows you to combine multiple federal loans into one single loan. 的 end result would be one single monthly payment. This process can be very useful if you want to keep track of all of your payments. View the video below to find out why you should consider 贷款整合.
You should make every effort to make your loan payments and avoid default status on federal student loans. Here are some steps that you can actively take to avoid defaulting on a federal student loan:
Understand your loan and your loan agreement.
管理你的预算 and make well-informed loan borrowing decisions.
Track your loans online by utilizing NSLDS or go directly to your loan servicer’s website.
Keep good documentation of everything regarding your financial aid, 贷款信息披露, 付款时间表, and other loan counseling materials.
Don’t be afraid to notify your loan servicer of any changes to your status such as: needing help with your monthly payments, experiencing a loss of employment, change in demographic information, 退学, 或者你已经毕业了.
If you cannot make your monthly payment, contact your loan servicer about deferment or forbearance, or even switching your repayment option to one that best fits your financial needs. Click to see if you are eligible for a loan deferment. You can request for a deferment or forbearance from your loan servicer or if you are attending school for at least half-time, you may request for an in-school deferment. Contact your school and your loan servicer directly for information about how you can request an in-school deferment.
拖欠贷款情况
You can default on your loans if you fail to make proper payments according to the terms and conditions that you agreed upon in the promissory note. 联邦学生贷款, this would mean that you have been delinquent on your loan repayment for more than 270 days.
Some of the consequences for defaulting on a federal student loan can affect the following areas:
Negative impact on your credit
汽车贷款审批
扣押工资
Approval for rental properties or home owner's insurance
Loss of eligibility of future federal financial aid
Don’t get discouraged if you have 违约 on a federal student loan! 的re are several options for you if you 违约 on a federal loan: rehabilitation, loan repayment, and 贷款整合 programs. For 违约 FFEL Program or Federal Perkins loan, you will need to check with your school or guaranty agency to find out more information about how to get out of 违约 status for these specific loans.
We hope that you will find the information provided on this website useful and educational regarding repayment options, 默认的厌恶, and some basic processes that can help you build a solid financial future. If you have any questions regarding your loans, please contact the Student Financial Aid & Scholarships Office at 216-987-6000,选项2.