Perkins Loan Billing & Collections

As a Federal Loan recipient, 借款人必须在秋季和冬季学期保持至少一半的注册时间. 珀金斯贷款的借款人有九个月的宽限期，在他们停止上学至少一半的时间后，要么开始还款，要么获得贷款的延期或宽限期. A borrower’s grace period will begin the day after they cease to be enrolled at least half-time. Repayment will begin the day after the grace period ends.

对于借款人来说，了解他们9个月宽限期的开始日期将追溯到他们注册的最后一天至少一半，这一点非常重要. Therefore, 如果他们不符合秋季入学要求，并且他们在前一个夏天没有参加至少一半的时间, 那么宽限期的开始日期将回溯到冬季学期的最后一天. 这将导致借款人失去几个月的宽限期，他们将比预期更早开始还款.

如果在秋季和冬季学期没有参加至少一半的时间，请尽快通知我们，因为您可能会失去一些宽限期. Reporting your last day of attendance earlier allows you more time to prepare for repayment.

For more detailed information regarding Perkins Loans, please visit Federal Student Aid (FSA).

As you enter your grace period, you are required by federal regulation to complete an exit counseling session. The session will show you how to manage your student loans after college. A hold will be placed on your OU account until exit counseling has been completed. You can complete Perkins Loan Exit Counseling online through University Accounting Service.

*Satisfying exit counseling for Perkins Loans does not satisfy exit counseling for Direct Loans, and vice versa.

借款人拖欠贷款的原因之一是他们没有更新自己的联系信息，也从来没有收到账单通知. Borrowers are required to update contact information with UAS and Oakland University.

韦德体育app官网的学生可以通过韦德体育app官网的安全系统在线登录到一个安全的区域，提交他们的地址和电话号码更改 MySAIL system and using the Personal Information Link. 您也可以向我们提供您的电子邮件地址和手机号码，以便我们向您提供有关您的帐户的更新和更改. If you are unable to update your contact information online thru MySAIL, please contact the Perkins Loan Administrator at (248) 370-2298.

这是非常重要的，你也改变你的联系信息与UAS通过他们的安全 online system.

*在usas更新联邦珀金斯贷款的个人信息不会更新借款人的联邦直接贷款的个人信息，反之亦然. For Direct Loans, a borrower must contact their Direct Loan Servicer.

It is your responsibility to make loan payments even if you do not receive a statement.

You may review your statement and make a payment online at uasconnect.com. You will need a password to access your UAS account online. If you do not already have a password, you will need to enroll in this program. You may also call the UAS Interactive Voice Response system at (844) 870-8701. The system operates 24-hours a day, seven days a week.

If not making payments using UAS’s electronic payment portal, 支票或汇票必须支付给韦德体育app官网，并直接邮寄给大学会计服务, LLC at PO Box 5879, Carol Stream, IL 60197-5879. Remember to include your account number on all payments and correspondence.

大多数联邦帕金斯贷款的借款人也有联邦直接贷款，他们没有意识到所有的联邦贷款都可以合并. Through consolidation, 你所有的学生贷款都合并为一笔贷款，这意味着你所有的学生贷款只有一笔合并的贷款支付. 你的贷款总还款额通常少于每笔贷款的单独还款额，还款期限可延长至30年. Please be aware that you will no longer be eligible for grace, deferment, or cancellation benefits once you consolidate your loans. However, income-based and income-driven repayment plans will be available. Also, a longer repayment period means more interest is paid. For more information or to apply for loan consolidation, please visit studentaid.gov.

如果你需要推迟你的贷款支付，有宽容和延期的选择.

Please be aware that we cannot approve any forbearance, cancellation, or deferment benefits once your account has been placed with a collection agency. The only benefit available once in collections is rehabilitation.

康复是违约借款人和韦德体育app官网之间共同商定的还款协议. Rehabilitation requires the borrower to make nine consecutive monthly payments, as determined by the agreement, 从违约状态中移除，并清除之前向国家征信局报告的负面信用.

您可以在UAS网站上获得有关各种延期和豁免的资格信息以及申请这些福利的表格. If eligible for a deferment, 在延期结束后，借款人被授予额外的6个月的宽限期，在整个延期和宽限期内暂停利息的累积. 这些额外的好处是不允许在一个宽限期和利息累积将到期在宽限期结束，并添加到您的第一个帐单.

如果你在另一个机构注册了至少一半的时间，并希望推迟你的付款, 你需要向你目前就读的学校的注册办公室提交一份校内延期表. You will need to submit a deferment request annually. 请注意，在9个月的宽限期届满之前重新注册的借款人可以重新进入注册状态，不需要延期表格. If the borrower begins enrollment after the grace period expires, they need to complete a deferment form.

To apply for a forbearance or deferment, please complete and return the appropriate deferment or forbearance form. This form may be downloaded by logging in to your UAS account at uasconnect.com. 请将表格和必要的文件寄回韦德体育app官网学生商务服务中心, Attn: Perkins Loan Administrator, North Foundation Hall Rm 114, 318 Meadow Brook Rd, Rochester, MI 48309-4454. You will be notified by mail if your request has been approved. 请注意，另一项联邦学生贷款的延期自动使您有资格获得珀金斯贷款延期. You only need to submit a copy of the deferment approval to UAS.

如果你不符合延期或宽免的资格，并且你无法使你的账户保持流通, please contact us at (248) 370-2298 to discuss other payment arrangements.

You can also obtain eligibility information on cancellations online. To apply for a cancellation, please complete and return the appropriate form with all required documentation. This form may be downloaded by logging in to your UAS account at uasconnect.com. Please return the form and the necessary documentation to University Accounting Service, 4099 McEwen Rd, Suite 700B, Farmers Branch, TX 75244. You will be notified by mail if your request has been approved.

Federal Perkins loans are reported to credit bureaus. If you make payments or file for deferment or forbearance on time, your credit report will reflect a positive history. Likewise, late payments will result in negative credit reporting. If you are over 30 days past due on your Perkins Loan, you can have your negative credit reporting reversed through rehabilitation.

What are the consequences for defaulting on a student loan?*

• Collection costs
• Credit report damage (7-year minimum)
• Wage garnishment
• Seizure of federal and state tax refunds
• Legal action in federal district court
• Ineligible for federal financial aid
• Increased auto insurance premiums (based on credit score)
• Rejection on mortgage loans
• May lose state occupational license
• May have difficulty obtaining car loans
• May be unable to rent an apartment
• May be turned down for jobs

*资料来源:摘自2010年11月教育部关于联邦学生援助的会议记录.

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