请求的信息
准备好看看丹佛州立大学能为你做些什么了? 皇冠官网网站会帮你的.
帕金斯贷款
The 丹佛大都会州立大学 Perkins Loan Office has contracted with 南澳大学公司., to ensure compliance with the federal regulations and guidelines and maintains the 本票 that pertain to the Federal Perkins Loan program. 在学生借款人离开或从大学毕业后，南澳大学公司.他负责收回这些贷款. 珀金斯贷款办公室维护这些指导方针, 本票, 并收取大学珀金斯贷款基金. 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.，请拨打1(800)875-8910协助您建立帐户.
有关学生资助的更多信息，请参阅 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 在你必须开始偿还珀金斯贷款之前. 你将有十(10)年的时间偿还贷款. 宽限期届满后，您将按月收取费用. 如果你没有及时汇款，你将被评估为a 滞纳金. You may prepay any or all of the loan principal at any time before it becomes due.
It is your responsibility to keep 南澳大学 or the Student Loan Office informed of your current address. 请致电1-800-875-8910与南澳大学联系，或登录您的帐户 www.unisainc.com 更改地址. 其他信息在珀金斯贷款退出面谈中提供.
Your Perkins Loan can be repaid through an automatic draft of your checking or saving account.
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，你可以延期付款，在延期期间不产生利息. 延期s are typically granted for periods of economic hardship and while attending school at least half-time.
你可能有资格 忍耐 你的珀金斯贷款. 在 忍耐, loan payments are postponed or reduced with interest continuing to accrue on the principal loan balance. 你将负责支付利息. 忍耐 can be granted in intervals of up to 12 months for a total of 3 years.
贷款取消
你可能有部分或全部珀金斯贷款 取消了在一定条件下，只要贷款没有违约. Typical conditions for cancellation are careers in nursing, teaching, law enforcement, 等. Contact the Perkins Loan Office for additional information regarding full or partial cancellation of your Perkins Loan.
珀金斯贷款也可以取消，如果借款人死亡或成为 完全和永久残疾.
珀金斯贷款合并
Consolidation is refinancing one or more of your federal student loans into one loan. 这笔新贷款将有新的利率、付款条件和月供. The following federal student loans are eligible for consolidation: Federal Stafford loans, 联邦直接贷款, 联邦PLUS贷款, 联邦SLS贷款, 联邦珀金斯贷款, 卫生专业学生贷款(HPSL)和护理学校贷款(NSL).
The payment terms of a consolidation loan can make repayment of your student loans much easier financially and much less confusing since you will not have to keep up with several different lenders. However, some of the benefits available in the original student loan may be lost after consolidation. 与你的贷款人彻底讨论你的选择.
要申请合并贷款，请查看下面网站上的信息.
出口咨询
Online exit counseling is available for those students that are graduating from 丹佛大都会州立大学, 或者入学时间少于6学时的学生.
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, you will complete your exit counseling though the 密歇根州立大学丹佛 Perkins Loan Department. 以参与在线退出流程, you must first obtain your 信息披露 form as well as your rights and responsibilities form from our office. 这些东西是在皇冠官网网站的退出包里寄给你的. If you have not received a copy or have misplaced yours, please contact our office for a replacement.
要完成退出咨询，请完成以下步骤:
步骤1) Complete the Perkins Loan exit counseling and print out the confirmation when you are finished. 开始您的咨询，请访问 规划你的未来.
步骤2) 列印及填写以下文件: 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, 以及你对珀金斯贷款办公室的权利和责任, 皇冠官网网站将为您解除证书或成绩单领取.
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, you will complete your exit counseling through our Perkins Loan servicer, 南澳大学 Inc.
要完成您的退出咨询，请访问皇冠官网网站的服务网站 www.unisainc.com and create an account by clicking on the “Log In/报名” button in the top right corner. Once you have logged in, you should be prompted to complete your exit counseling. 如果你需要帮助登录你的账户, 请给皇冠官网网站的服务人员打电话, 南澳大学, 拨打1-800-875-8910，他们会提供帮助.
有关退出辅导程序的资料:
作为你离职程序的一部分，皇冠官网网站必须向你提供信息. Please review the information below and if you have questions or concerns please call 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
如需安全网上付款，请于以下网址登记您的帐户: www.unisainc.com
如何通过南澳大学公司在线访问您的帐户.
- 至: http://www.unisainc.com/borrower
- 点击 报名
- 按照指示操作
In order to view your account information you must first register with 南澳大学公司. 注册时，您必须提供以下信息: 账户号码(在你的账单上)， 社会安全号码和出生日期. 如果您不知道您的帐号，请致电南澳大学公司. at 1 (800) 875-8910.
Once you have properly provided all of the information outlined above access to your information is allowed. 您将永远不必再次完成注册过程. 只有在初始设置用户帐户时才需要它.
Borrower Account Access will give you the flexibility to monitor your account at any time. This feature has no scheduled downtime and reflects all recent activity on your account.
如果您对您的在线帐户有任何疑问或问题 联系南澳大学公司. at 1 (800) 875-8910. 其他查询请联系珀金斯贷款部门，电话: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
注册自动提款
To sign up for automatic withdrawals through 南澳大学, please register your account at: www.unisainc.com
珀金斯贷款常见问题:
联邦珀金斯贷款是一个以校园为基础的学生贷款项目. 这意味着学校奖励并收取学生贷款. 珀金斯贷款的利率是5%. 宽限期(离开大学之间的一段时间) or 低于一半的状态和还款)，这笔贷款是9个月. 最低还款额是40美元.00 /月. 珀金斯贷款计划于2017年9月30日结束
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. 付款总是在每个月的第一天到期.
联邦珀金斯贷款的还款期限是每个月的第一天. 大学与学生贷款服务商南澳大学公司 .签订了合同.他每月给你寄一张发票，告诉你贷款的最新情况. The Federal Perkins Loan is not in repayment status until nine months after you have dropped below half-time status or have left the University.
If you have trouble making your payment call 密歇根州立大学丹佛 at (303) 615-0072 or your Servicer, 南澳大学公司. at 1 (800) 875-8910. There are a numerous options that may be available to you during times of financial hardship. This office will be glad to work with you to help you avoid the serious consequences of defaulted loans.
违约是指借款人未能按时偿还贷款。.
Maintaining a good credit history is important for any borrower whether it is a student loan payment, 信用卡付款, 抵押贷款支付, 等. Sometimes when money is short you may be tempted to skip or delay your Perkins Loan payment. 错过付款或迟交付款从来都不是一个好主意! Your loan is reported to Experian National Credit Bureau on a monthly basis and is treated like any other form of credit. 逾期付款会影响你的信用评分.
还记得, a poor credit report will negatively affect your financial reputation for many years to come. 它可能会让你无法买车，抵押贷款，甚至信用卡. 有时未来的雇主会要求你提供一份信用报告的副本. 有些保险公司是根据你的信用报告来付款的. Therefore it is very important to do all you can to make your loan payments on time or apply for a 延期.
我怎么知道我是否有违约的危险?
If you miss a payment 密歇根州立大学丹佛 will send you a letter reminding you that your payment is late. If your account remains past due 密歇根州立大学丹佛 will attempt to contact you to get your account back on track. 如果皇冠官网网站不成功，您的帐户将被送到代收公司.
If you fail to make Perkins Loan payments on time or if you default on your loans the consequences are serious:
- 你将不再能够轻松地每月付款.
- 你将失去延期或容忍的选择.
- 你将没有资格获得额外的第四章经济援助.
- 你的学校成绩单将被扣留.
- 你的贷款可能会被转交给讨债公司.
- Your loan will be reported to Experian Credit Bureau which will negatively affect your credit score.
- 你的州退税可能会被扣留.
- 你的总债务可能会因滞纳金而增加, 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, if you have trouble making your payment call 密歇根州立大学丹佛 at (303) 615-0072 or your Servicer, 南澳大学公司. at 1 (800) 875-8910. There are a numerous options that may be available to you during times of financial hardship. This office will be glad to work with you to help you avoid the serious consequences of defaulted loans.