请求的信息
Ready to find out what 密歇根州立大学丹佛 can do for you? 皇冠博彩会帮你的.
帕金斯贷款
丹佛大都会州立大学帕金斯贷款办公室与 南澳大学公司., 确保遵守联邦法规和指导方针，并维护与联邦珀金斯贷款计划有关的本票. After a student borrower leaves or graduates from the University, 南澳大学公司., is responsible for the collection of those loans. The Perkins Loan Office maintains the guidelines, 本票, and collection of the University Perkins Loan Fund. 您可以访问您的珀金斯贷款帐户 南澳大学公司. 请联系南澳大学公司., at 1 (800) 875-8910 for assistance in setting up your account.
For additional information regarding student aid, please review the 联邦学生指南.
珀金斯贷款偿还/延期/取消
偿还贷款
毕业后, 离开学校, 或者作为学生降到一半以下, 你将有9个月的假期。 宽限期 before you must begin repayment of your Perkins Loan. You will have up to ten (10) years to repay the loan. You will be billed on a monthly basis after your grace period expires. If you do not remit your payment on a timely basis, you will be assessed a 滞纳金. 你可以在贷款到期前的任何时间提前支付部分或全部贷款本金.
你有责任让南澳大学或学生贷款办公室知道你的当前地址. Please contact 南澳大学 at 1-800-875-8910 or login to your account at www.unisainc.com 更改地址. Additional information is provided in the Perkins Loan Exit Interview.
珀金斯贷款可以通过支票或储蓄账户的自动提款来偿还.
贷款延期/忍耐
你可能有资格获得 延期 你的珀金斯贷款没有违约. 在 延期, you can delay payment with no interest accruing during the 延期 period. 通常在经济困难时期和在校时间至少达到一半的情况下批准延期.
你可能有资格 忍耐 你的珀金斯贷款. 在 忍耐, 贷款还款被推迟或减少，贷款本金余额的利息继续增加. You will be responsible for the interest payments. 宽免期最长可达12个月，共3年.
贷款取消
You may have part or all of your Perkins Loan 取消了, under certain conditions, as long as the loan is not in default. 典型的取消条件是护理、教学、执法等职业. 请联系珀金斯贷款办公室了解有关全部或部分取消珀金斯贷款的更多信息.
Request for 延期 or Partial Cancellation
帕金斯贷款 can also be 取消了 if the borrower dies or becomes 完全和永久残疾.
珀金斯贷款合并
合并是将一项或多项联邦学生贷款重新融资为一项贷款. This new loan will have a new interest rate, payment terms and monthly payments. 以下联邦学生贷款有资格合并:联邦斯塔福德贷款, 联邦直接贷款, 联邦PLUS贷款, 联邦SLS贷款, 联邦珀金斯贷款, Health Professional Student loans (HPSL) and Nursing School loans (NSL).
合并贷款的付款条款可以使你的学生贷款在财务上更容易偿还，也不那么混乱，因为你不必跟上几个不同的贷款人. 然而，原来的学生贷款中的一些好处可能会在合并后失去. Discuss your options thoroughly with your lender.
To apply for a consolidation loan, review the information on the website below.
出口咨询
对于那些即将从丹佛大都会州立大学毕业的学生来说，在线退出咨询是可用的, or whose enrollment drops below six credit hours.
选项1:
如果你毕业了或者学分降到了六分以下 2017年8月1日之前，你将通过密歇根州立大学丹佛帕金斯贷款部完成你的退出咨询. In order to participate in the online exit process, 您必须首先从皇冠博彩的办公室获取您的披露表格以及您的权利和责任表格. These items were mailed to you in our Exit Packet. 如果您没有收到副本或您的副本放错了地方，请皇冠博彩的办公室更换.
To complete your exit counseling please complete following steps:
步骤1) 完成珀金斯贷款退出咨询，并在完成后打印确认. 开始您的咨询，请访问 规划你的未来.
步骤2) Print out and complete the following documents: 出口文件
步骤3) 返回一份签过名的确认文件, 信息披露, 个人信息问卷, and your rights and responsibilities to the Perkins Loan Office, and we will lift your hold for diploma or transcript pick up.
选项2:
如果你毕业了或者学分降到了六分以下 2017年8月1日之后，您将通过皇冠博彩的珀金斯贷款服务机构南澳大学 Inc .完成退出咨询.
To complete your exit counseling, please visit our servicer’s website at www.unisainc.com 并通过点击右上角的“登录/注册”按钮创建一个帐户. 登录后，系统会提示您完成退出咨询. If you need assistance logging into your account, 请给皇冠博彩的服务人员打电话, 南澳大学, at 1-800-875-8910 and they will be able to provide assistance.
有关退出辅导程序的资料:
As part of your exit process, we must provide you with information. 请查看以下信息，如果您有问题或疑虑，请致电 303-615-0072 和珀金斯的贷款代表谈谈.
偿还珀金斯贷款
在线支付
To make a secure online payment, please register your account at: www.unisainc.com
How to access your account online via 南澳大学公司.
- 至: http://www.unisainc.com/borrower
- 点击 报名
- 按照指示操作
为了查看您的帐户信息，您必须首先在南澳大学公司 .注册. To register you must provide the following information: Account Number (found on your billing statement), 社会安全号码和出生日期. If you do not know your account number, please call 南澳大学公司. at 1 (800) 875-8910.
一旦您正确地提供了上述列出的所有信息，您的信息将被允许访问. You will never have to complete the registration process again. It is only required to initially set up your user account.
借款人帐户访问将使您能够灵活地随时监控您的帐户. 此功能没有预定停机时间，并反映您帐户上的所有最近活动.
If you have any questions or problems regarding your online account 联系南澳大学公司. at 1 (800) 875-8910. For all other inquiries contact the Perkins Loan Department at 303-615-0072.
邮寄付款
如需邮寄付款，请将付款寄至:
南澳大学
邮箱4385
恩格尔伍德，CO 80155
珀金斯贷款常见问题:
A Federal 帕金斯贷款 is a campus-based student loan program. This means that the University awards and collects on the student loan. 珀金斯贷款的利率是5%. The grace period (the period of time between leaving the University or dropping below half-time status and repayment) on this loan is 9 months. 最低还款额是40美元.00 /月. The Perkins Loan Program ended September 30, 2017
Your loan is placed in grace status for nine months; and then it’s reclassified into repayment status. 南澳大学公司.他每个月都会邮寄学生贷款发票. Payment is always due on the 1st of each month.
The payments on the Federal Perkins Loan are due on the 1st of each month. The University contracts with a student loan servicer, 南澳大学公司., who mails a monthly invoice to update you on the status of your loan. 联邦珀金斯贷款只有在你的学习时间降至半学期以下或离开大学九个月后才会处于偿还状态.
Your payment is always due on the 1st of each month. Be sure to put your Account number on your check or money order. 请将付款邮寄至以下地址:
南澳大学
邮箱4385
恩格尔伍德，CO 80155
请参阅 偿还珀金斯贷款 查看更多信息.
如果您在付款时遇到问题，请致电(303)615-0072或您的服务人员， 南澳大学公司. at 1 (800) 875-8910. 在经济困难时期，你有很多选择. 本办公室将很高兴与您合作，帮助您避免拖欠贷款的严重后果.
Default occurs when a borrower misses a payment on his or her loan(s).
保持良好的信用记录对任何借款人来说都很重要，无论是学生贷款, 信用卡付款, 抵押贷款支付, 等. 有时候，当钱不够用的时候，你可能会想要跳过或推迟珀金斯贷款的支付. It is never a good idea to miss a payment or send it in late! 您的贷款报告给益百利国家信用局每月的基础上，并被视为任何其他形式的信贷. 逾期付款会影响你的信用评分.
还记得, 一份糟糕的信用报告会在未来的许多年里对你的财务声誉产生负面影响. It could keep you from obtaining a car, a mortgage or even a credit card. Sometimes prospective employers request a copy of your credit report. Some insurance companies base your payment on your credit report. 因此，尽你所能按时偿还贷款或申请延期还款是非常重要的.
How will I know if I’m in danger of defaulting?
如果你错过了付款，密歇根州立大学丹佛分校将给你发一封信，提醒你你的付款迟到了. 如果您的帐户仍然过期，密歇根州立大学丹佛分校将尝试与您联系，以使您的帐户回到正轨. If we are unsuccessful your account will be sent to a collection agency.
如果你不能按时偿还珀金斯贷款，或者如果你拖欠贷款，后果很严重:
- You will no longer be able to make easy monthly payments.
- You will lose your 延期 or 忍耐 options.
- You will not be eligible for additional Title IV financial aid.
- Your school academic transcripts will be withheld.
- Your loan may be turned over to a collection agency.
- 您的贷款将报告给益百利信用局，这将对您的信用评分产生负面影响.
- 你的州退税可能会被扣留.
- Your total debt may be increased by late fees, 额外的利益, 诉讼费用, 收集费用, 律师费和其他费用.
- 你的工资可能会被扣.
还记得, 如果您在付款时遇到困难，请致电(303)615-0072或您的服务人员, 南澳大学公司. at 1 (800) 875-8910. 在经济困难时期，你有很多选择. 本办公室将很高兴与您合作，帮助您避免拖欠贷款的严重后果.