联邦珀金斯贷款偿还

的 Federal 帕金斯贷款 Program is a federally funded low-interest loan. newbb电子平台 is the lender using funds from the federal government and/or payments collected from previous borrowers. 珀金斯贷款的利率是百分之五, and repayment starts nine months after a student leaves school, 毕业生, 或者降到中场休息状态以下.

的 Federal 帕金斯贷款 is separate from any Federal Direct Loan you may have borrowed while at newbb电子平台. newbb电子平台 is the lender and collector of the Federal 帕金斯贷款.

Information on the repayment and collection of 工作人员ord Loans, PLUS贷款和私人贷款可以通过 联系财政援助办公室.

贷款服务机构

It is the borrower’s responsibility to update their Federal 帕金斯贷款 contact information with newbb电子平台’s loan servicer:

ECSI
切林顿公园路1200号，200室
月亮镇，宾州15108
1.888.549.3274

ECSI provides web-based access to your loan account which allows you to view payment history, 更新地址和电话信息, 核实账户余额, 获取贷款偿还金额, 注册电子账单, 然后付款. ECSI provides payment options such as recurring electronic funds transfer and credit card payments (an additional fee applies to credit card payments; no additional fee for most eCheck payments). 你可以 查看您的贷款帐户状态 在线. 有关登入的问题，请致电1与ECSI联络.888.549.3274.

ECSI will bill each loan in accordance with the terms of the signed promissory note and repayment schedule presented during the exit interview counseling. In the case of multiple Perkins loan accounts, you may receive a consolidated statement. Monthly billing starts following the expiration of the initial 9-month grace period with payment due in the tenth month.

离职面谈信息

When a student 毕业生 from newbb电子平台, the loan exit process will begin. 的 student will receive an email notification to the student's 俄亥俄州 email address to complete their 帕金斯贷款 Exit Interview Counseling. Exit interview counseling is completed electronically with the University's student loan billing servicer, 教育计算机系统公司.). Failure to complete the exit interview counseling will result in a hold being placed on university records (i.e.，成绩，文凭和未来注册).

If a student stops attending newbb电子平台 or transfers to another institution, they should contact the 财务长办公室 to make arrangements to complete the 帕金斯贷款 Exit Interview.

条款及还款

利息和宽限期

Interest will begin to accrue nine (9) months after a borrower 毕业生 or ceases to be a half time student at an annual percentage rate of five (5) percent based on the unpaid balance. 延期期间不产生利息.

还款

的 first monthly payment will be due ten (10) months from the time the borrower 毕业生 or ceases to be a half time student. 每月最低还款额为40美元.00, but may be more if the amount borrowed is sufficient to require a larger payment. 还款 occurs over a maximum of 10 years, not including any periods of deferment.

延期或取消

You may qualify for a deferment of repayment on a Federal 帕金斯贷款 under certain circumstances. 以下是 延期条件 可以在上面找到吗 ECSI借款人表格页面.

你的部分或全部珀金斯贷款可能会被取消, 在某些条件下, 只要贷款没有违约. Typical conditions for cancellation are careers in nursing, teaching, law enforcement, etc. 以下是 取消条件 可在ECSI借阅表格网页查阅.

To apply for a deferment/cancellation of payments a borrower must complete a deferment/cancellation form, 递交表格至:

ECSI
切林顿公园路1200号，200室
月亮镇，宾州15108

贷款整合

贷款合并允许借款人, 借款人无需支付任何费用, to combine different types of federal student loans to simplify repayment. 借款人可以联系 教育部的直接贷款整合 详情请拨打(800)557 -7394.

珀金斯财务清单

的 珀金斯财务核对表[PDF] was developed to help borrowers with the repayment of the 帕金斯贷款.

违约的后果

Borrower defaulted loans cause newbb电子平台 default rates to increase, 从而对大学产生负面影响.

• 必须是newbb电子平台, 根据联邦法规, to report the status of 帕金斯贷款 to at least one of the three national credit bureaus. If your loan becomes past due, your credit rating can be adversely affected.
• You may not utilize the deferment/cancellation provisions of the 帕金斯贷款 program while your loan is in default.
• You are ineligible to receive additional Federal financial aid while in default.
• 如果你的贷款严重逾期, 你的贷款可能会加速, which means the entire loan becomes due and payable immediately. Accelerated loans will be forwarded to the Ohio Attorney General’s office for further collection proceedings. All associated collection costs are your responsibility and will increase your outstanding balance due.

  俄亥俄州司法部长
  集合执行
  30 E. 广泛的圣.14楼
  哥伦布，俄亥俄州43215

征收费用

的 Ohio Attorney General and/or their collection agencies will assess collection fees and interest to the account holder. 的 Ohio Attorney General reserves the right to employ legal counsel to handle litigation necessary to collect the debt. If litigation is filed, all costs associated with the litigation may be passed to the account holder. 的 Ohio Attorney General and his designees will at all times act in compliance with the provisions of the 《newbb电子平台》 以及任何适用的俄亥俄州雕像.

贷款康复

Loan rehabilitation is a written and signed agreement between the University and a borrower in an attempt to resolve a defaulted loan.

为了恢复拖欠的贷款, the borrower must make 9 consecutive on-time payments per the rehabilitation agreement. 的 minimum payment amount accepted will need to cover the total outstanding interest, late fees and penalty fees plus any additional interest and fees that will accrue over the 9 month period.

If you are interested in a loan rehabilitation contact ECSI at 1 (888) 549-3274 or Terri Powell (powellt1@俄亥俄州.edu) at (740) 593-9930.