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术语词汇表LRAP

的财政援助条款词汇表

Accrued interest:一个贷款随时间累积的利息。

四月: The Annual Percentage Rate, or 四月, is the interest rate that results from including the nominal (advertised) interest rate and other factors that affect the cost of borrowing, such as the repayment schedule, repayment options, fees, etc.

借款人:谁是偿还贷款的法律责任的人。

利息资本化:将未付利息(通常在贷款的宽限期结束)的贷款本金的过程。欠量增加,而这个数字越大,原始本金及未付利息,应计利息本身。这是可取的,如果可能的话,要支付利息,而在学校,使资本不会发生。资本也可以发生在延期或忍无可忍,在改变还款计划,在未能重新认证的基于收入的还款计划,在贷款整合,或在贷款进入默认状态。

Co-borrower/Co-signer: The person who is obligated to repay the debt if the primary borrower fails to meet the terms of repayment on the loan. Repayment activity is reported on both the borrower’s and co-borrower’s credit histories.

Consolidation 贷款: Combining several loans into one bigger loan from a single lender with the intention to simplify repayment and possibly get a lower interest rate or to reclassify a loan into a type that is eligible for Public Service 贷款 Forgiveness.

默认:未能按照借条约定的条款偿还贷款。违约贷款类型而异。当在默认情况下,学校,贷款,以及政府可能采取的所有行动,以获得欠款。此外,默认情况下会影响信用评级长达七年。默认情况下可以通过缺失付款之前将申请缓交或忍避免。

延期(经济困难):由于极端财政困难类型时,偿还贷款是不可能给予借款人的还款延期。资格的经济困难延期超过容忍更多的限制,一般要求借款人接受某种形式的政府援助。如果你没有资格获得延期,您仍然可以给予宽容。在延期贴息贷款不计息,但补贴的贷款做。

Deferment (In School):授予学生谁是在学校和至少一半时间报名参加一个类型的贷款偿还延期。如果你没有资格获得延期,你仍然可以得到宽容。在延期贴息贷款不计息,但在延期补贴的贷款做。

犯罪: Failure to make loan payments by due dates, as specified in the promissory note and in the repayment plan. 犯罪 can lead to default as well as negatively affect credit history.

Fixed 利益 Rate:被设置在贷款的整个生命周期的利率。

:一种还款延期。借款人无须在忍期支付本金,但利息将继续累积,必须付出,甚至贴息贷款。 forbearances通常是由贷款人在经济困难或其他异常情况时,借款人不符合延期的情况下,理所当然的。

Graduate PLUS 贷款: The federally sponsored student loan for graduate-level students. 贷款 funds are disbursed directly to the school in equal amounts over each term of enrollment for the academic year.

收入为基础的还款(IBR):对于这每月支付的大小是由借款人的收入来决定贷款的还款计划。 IBR仅适用于斯塔福德,毕业生加分,并合并贷款。每月付款是在自由支配的收入,其中可支配收入被定义为收入超过贫困线的150%的量的15%为上限。贷款余额的25年后有资格还款原谅。 IBR被批准了12个月的时间,你必须每年重新认证的IBR计划。

利益:就是定期交换使用的贷款人的钱收取费用。它是支付除了偿还借款的金额。利息通常计算为贷款的未偿还本金余额的百分比。利率可以是固定的贷款期限,或者也可能是可变的,取决于贷款的条件。

贷款 Summary Letter: A statement from your loan servicer that lists your total loan balance along with your monthly payment amount and due date.

贷款:一类是必须偿还,利息的财政援助。 

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  • 民事法和人权法
  • 刑法
  • 劳工法
  • 住房法
  • 移民法

In addition, LRAP guidelines mandate that at least 50% of the work of the firm and the applicant involves providing legal services on a pro-bono, reduced-fee, or court-awarded fee basis to underrepresented persons or organizations.

The program is only available to graduates of the classes of 2010 and beyond. 

LRAP合同: The LRAP agreement stating the terms and length of your LRAP award. Typically, LRAP contracts last 12 months. However, we occasionally offer contracts that are less than a year.

Negative Amortization: The accrued interest that is not paid by your monthly loan payment. Typically this occurs when you are enrolled in IBR or PAYE repayment plans.

现收现付你赚(PAYE):对于这每月支付的大小是由借款人的收入来决定贷款的还款计划。有资格获得工资税,你必须是一个新的借款人的华侨城。 1,2007年,且必须已经收到一个直接贷款的发放上月或之后。 1,2011年工资税只针对斯塔福德,毕业生加,并且合并贷款是可用的。每月付款是在自由支配的收入,其中可支配收入被定义为收入超过贫困线的150%的量的10%为上限。贷款余额的20年后有资格还款原谅。 PAYE被批准了12个月的时间,你必须每年重新验证你的工资税计划。

帕金斯贷款: Federal loan with a 5% interest rate during repayment. 学生们 must demonstrate financial need. Perkins loans are not eligible for IBR or PSLF unless consolidated with Direct 贷款. Acs-education.com is the Perkins loan servicer for 365体育投注网址.

主要: The principal or loan balance is the amount of money borrowed or remaining unpaid on a loan. 利益 is charged as a percentage of the principal. It represents an agreement by the borrower to repay the debt according to the specified terms and conditions.

民间借贷: Education loans from private lenders to supplement the student and parent education loans offered by the federal government.

期票: A binding legal document that must be signed by the borrower before the loan funds are disbursed by the lender.

公共服务贷款免除计划(pslf):下pslf,专职*公共服务的员工可以120后将有资格成为他们的贷款余额的宽恕在时间按月支付(10岁)。 pslf仅适用于通过直接贷款计划(补贴和补贴的斯塔福德贷款,加上贷款,合并贷款)由联邦贷款。

*If you have 2 or more part-time jobs, you must be employed for at least 30 hours total per week to meet the criteria.

补贴直接斯塔福德贷款:联邦学生贷款,政府支付的贷款利息而学生在学校和在6个月的宽限期。这笔贷款是颁发给基于经济需要的学生。截至2012年7月,贴息贷款不再毕业水平(包括法律)的学生。

补贴的直接斯塔福德贷款:联邦学生贷款,其政府不支付利息。借款人负责从贷款发放之日起的补贴的贷款利息,甚至在学生还在上学。学生可避免支付利息,而他们在学校被资本化6个月的宽限期,这增加了贷款金额后的利息。补贴的贷款不基于经济需要和可用于资助家庭贡献。

浮动利率: 利益 rate that fluctuates with marketing conditions and resets periodically, such as monthly, quarterly, or annually.