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Direct Loan Exit Counseling can also be completed online: http://www.dlssonline.com/exitcounseling/ecec-main.asp The Direct Loan Exit Guide can be found online at: http://www.ed.gov/offices/OSFAP/DirectLoan/pubs/exitcounselguide.pdfj83E83E,65DPerkins Loan Exit CounselingPerkins Loan Exit Counseling: Students must complete Perkins Loan exit counseling to become aware of their rights and responsibilities as a borrower. Students must complete the online exit counseling session or a hold will be placed on their record. Exit Counseling can be completed online. The U of MN TC campus will send you an e-mail regarding your exit counseling. If you have any questions, contact them at 612.625.8007."%#Alternative Loans Exit counseling is not required by the University of Minnesota Morris for the alternative loan programs. Students should check with their specific lender(s) to understand their alternative loan repayment obligations. http://www.morris.umn.edu/financialaid/altrepay.html&56G- 0Ford Federal Direct Loans,The Department of Education is your lender and will remain your lender throughout the life of your Direct Loan. The Department of Education's Direct Loan Servicing Center oversees your loan account until each loan is paid in full. However, you are the real loan manager because you are responsible for repaying your loans. As a Direct Loans borrower who is graduating or who is no longer attending school at least half-time, you will have many decisions to make in the near future, including decisions about managing the repayment of your student loans.  -+ 05Determine your Federal Direct Loan borrowing history:66& http://www.nslds.ed.gov/SAStatic/PrivAct.asp To view your loan history you will be asked for the following information: Social Security Number First 2 digits of your last name Your Date of Birth Federal PIN Number,aa 0; Grace Period  After you graduate, leave school, or drop below half-time enrollment, you have six months before you must begin repaying your loans. This six-month period is called the "grace period". Your grace period is six months. No interest is charged during the grace period on subsidized loans. Interest is charged during the grace period on unsubsidized loans. Unpaid interest is capitalized (added to the principal balance of your loan) at the end of the grace period. Repayment begins within 45 days of your grace period ending. LZRZZR Repayment PlansStandard Repayment Plan Under this plan you will pay a fixed amount of at least $50 each month for up to 10 years. For most borrowers, this plan results in the lowest total interest paid because the repayment period is shorter than it would be under the other plans. (If you have not selected a repayment plan by the time repayment begins, your loan(s) will be placed in the Standard Repayment Plan.)8zZ2  Repayment Plans@Extended Repayment Plan Under this plan you will pay a fixed amount of at least $50 each month for 12-30 years, depending on the total amount you owe. Selection of this plan will result in a lower monthly payment; however, total interest paid will be higher than the total interest paid with the Standard Repayment Plan.,))  Repayment PlansGraduated Repayment Plan With the Graduated Repayment Plan, your payments start out low, then increase every two years. The repayment period for your loan will be 12-30 years, depending on the total amount you owe. Generally, the amount you'll repay over the term of your loan will be higher under the Graduated Repayment Plan than under the Standard and Extended Repayment Plans. However, if your income is low when you leave school but is likely to steadily increase, this might be the best plan for you.2ZZ   Repayment PlansIncome Contingent Repayment Plan The Income Contingent Repayment Plan (ICR) is designed to give borrowers the flexibility to meet their student loan obligations without causing undue financial hardship. The maximum repayment period is 25 years under this plan. Each year your monthly payment will be based on your family size, annual Adjusted Gross Income (A.G.I.) as reported on your federal tax return, and the total amount of your Direct Loan(s). To participate in the ICR Plan you must authorize the U.S. Internal Revenue Service (IRS) to inform the U.S. Department of Education (ED) of the amount of your income. This information will be used to calculate your repayment amount, which will be adjusted annually to reflect changes in your A.G.I. 4!PP!0  Repayment 7Remember: If you select the Income Contingent Repayment (ICR) Plan, you will be placed on Interest Only billing until we receive your completed ICR forms. These repayment estimates assume that all payments will be made on time. Changes in your loan balance or in variable interest rates may change your monthly payment amount and loan term. You may switch repayment plans at any time. If you decide to switch repayment plans in the future, you can make the switch by calling the Direct Loan Servicing Center or by visiting their website and make the change yourself. 4 Z.Z . Billing Methods8Billing Methods and Making Payments There are currently three billing methods for your loan(s). Receive your monthly paper bill through the U.S.Postal Service. You can either mail your check or money order or pay directly online from this Web site. Receive your monthly bill electronically online as soon as it is available each month. You can pay your bill online as well  Direct Loan Servicing Center. Have your monthly payment automatically withdrawn from your checking or savings account through Electronic Debit Account (EDA). The Direct Loan Program offers a quarter point (.25%) interest rate discount to all borrowers who repay their loan(s) on the EDA plan. 4`P=P$y>W/  Bill Due Date0Monthly Due Date You may choose to have your monthly payment due on the 7th, 14th, 21st, or 28th of each month. If you prefer a different monthly payment due date you may change your selection by submitting a change request. If you do not make a selection your payment due date will be chosen for you. 0   Prepayment Prepayment You may prepay all or part of the unpaid balance on any Direct Loan at any time, without an early repayment penalty. If you have more than one Direct Loan, be sure to specify which loan you are prepaying. Like all other Direct Loan payments, your prepayment will first be applied to any outstanding fees and charges, next to outstanding interest then to the principal balance of your loan(s). 8 ZZ *s 0Defaulting on your loanConsequences of Default Default occurs when a Direct Loan borrower becomes 270 days delinquent in making a payment on their loan(s). If you miss a payment, the Direct Loan Servicing Center will send you a letter reminding you that your payment is late. If your account remains delinquent, the Direct Loan Servicing Center is required to send you late payment notices and to call you at home and work to remind you about your obligation to repay your loans and the consequences of default.0|iDefault&R You will not be eligible for any further federal student financial aid. Your employer, at the request of the federal government, can withhold (garnish) part of your wages and forward them to the federal government. Your account will be reported delinquent to credit bureaus, which can damage your credit rating. You will lose your deferment option. The entire unpaid balance and accrued interest on your loan could become immediately due and payable. Your account will be turned over to a collection agency. Court costs, collection fees, attorney's fees, and other costs may increase your total debt. The federal government can impose a federal offset, which includes tax refunds, social security payments (up to a specified percentage), veteran's benefits, and federal government pensions. The federal government can take legal action against you. 2PRPRDeferment & ForbearanceDeferments A deferment is a temporary suspension of your monthly loan payment. There are many different types of deferments available. Forbearance A forbearance is a temporary postponement or reduction of loan payments for a limited and specified period of time. A forbearance can help you during times when making your monthly payment is difficult and you are not eligible for a deferment. Interest Unpaid interest will be added to the principal balance (capitalized) of your loan(s). This will increase the amount you owe.  Z}Z ZZ ZZZ }  -Loan Discharge#Your loan(s) may be eligible for discharge (cancellation) due to: Bankruptcy (when a judge directs for discharge of the loan(s) through an adversary proceeding), Teacher Loan Forgiveness Permanent and total disability Death Your school closed and you cannot complete your course of study. 6B$,mDirect Loan Servicing CenterThe Direct Loan Servicing Center receives all correspondence, deferments, and/or forbearances. All correspondence, deferments, forbearances, and borrower inquiries should be mailed to: Direct Loan Servicing Center Borrower Services P.O. Box 5609 Greenville, TX 75403-5609 Telephone: 1-800-848-0979 All payments for your Direct Loan should be mailed to: Direct Loans Payment Center P.O. Box 530260 Atlanta, GA 30353-0260 NaP[PsP8PEP! Ombudsman gIf you have a dispute or problem with your student loan and you have made a reasonable effort to resolve your problem through normal processes, and it still is not resolved, you can contact the Ombudsman's Office: The Ombudsman's Office U.S. Department of Education 400 Maryland Avenue, SW Washington, D.C. 20202 1-877-557-2575 Web: http://ombudsman.ed.gov/ZZsZZsV#!6Direct Loan Servicing Center http://www.dlssonline.com,7& $get real-time account information, view your payment history and make payments online, send e-mail to the Servicing Center, prequalify for a deferment or forbearance, download deferment and forbearance forms, and get real-time payoff quotes. | m$" UMM Contact  Jill Beauregard Financial Aid/Loan Officer University of Minnesota Morris 1-800-992-8863 1-320-589-6035 Fax 1-320-589-1673 E-mail: beaureja@morris.umn.edu &   0` 33` Sf3f` 33g` f` www3PP` ZXdbmo` \ғ3y`Ӣ` 3f3ff` 3f3FKf` hk]wwwfܹ` ff>>\`Y{ff` R>&- {p_/̴>?" dd@$~?" dd@  " @ ` n?" dd@   @@``PP   @ ` ` p>>  @ (  @ @ 6En #" `&} n T Click to edit Master title style! !* @ 0Hn #" `& n RClick to edit Master text styles Second level Third level Fourth level Fifth level!     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