Ashely Napoles 's blog ::Rethinking How Student Loans Get Repaid

Ashely Napoles 's blog ::Rethinking How Student Loans Get Repaid

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Ｃｏｕｒｓｅｓ               ｔｈａｔ               Ｂｅｇａｎ               Ｂｅｆｏｒｅ               1998                Ｓｔｕｄｅｎｔｓ               ｗｈｏ               ｓｔａｒｔｅｄ               ｕｎｉｖｅｒｓｉｔｙ               ａｆｔｅｒ               Ｓｅｐｔｅｍｂｅｒ               1998               ｗｉｌｌ               ｂｅ               ｒｅｑｕｉｒｅｄ               ｔｏ               ｒｅｐａｙ               ｔｈｅｉｒ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ               ｂａｓｅｄ               ｏｎ               ｗｈａｔ               ｔｈｅｙ               ｃｕｒｒｅｎｔｌｙ               ｅａｒｎ,               ａｃｃｏｒｄｉｎｇ               ｔｏ               "Ｒｅｐａｙｉｎｇ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ",               ｂｙ               Ｄｉｒｅｃｔｇｏｖ. Ｏｎｃｅ               ｙｏｕｒ               ｉｎｃｏｍｅ               ｒｅａｃｈｅｓ,               ｏｒ               ｅｘｃｅｅｄｓ,               £15,000               ａ               ｙｅａｒ               ｙｏｕ               ｗｉｌｌ               ｎｅｅｄ               ｔｏ               ｓｔａｒｔ               ｍａｋｉｎｇ               ｐａｙｍｅｎｔｓ               ｔｏｗａｒｄ               ｙｏｕｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ,               ｗｈｉｃｈ               ｗｉｌｌ               ｂｅ               ｃｏｌｌｅｃｔｅｄ               ｓｔｒａｉｇｈｔ               ｆｒｏｍ               ｙｏｕｒ               ｓａｌａｒｙ. Ｉｆ               ｙｏｕ               ａｒｅ               ｓｅｌｆ-ｅｍｐｌｏｙｅｄ               ｏｒ               ｗｏｒｋ               ａｂｒｏａｄ,               ｙｏｕ               ｗｉｌｌ               ｎｅｅｄ               ｔｏ               ｍａｋｅ               ｙｏｕｒ               ｏｗｎ               ａｒｒａｎｇｅｍｅｎｔｓ               ｔｏ               ｒｅｐａｙ               ｔｈｅ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ.                Ｈｏｗｅｖｅｒ,               ｉｆ               ｙｏｕ               ｈａｖｅ               ｎｏｔ               ｒｅａｃｈｅｄ               ｔｈｉｓ               ｔｈｒｅｓｈｏｌｄ,               ｒｅｐａｙｍｅｎｔｓ               ｗｉｌｌ               ｎｏｔ               ｃｏｍｍｅｎｃｅ               ｕｎｔｉｌ               ｙｏｕ               ｍａｋｅ               ａｔ               ｌｅａｓｔ               £15,000               ａ               ｙｅａｒ. Ｉｆ               ｙｏｕｒ               ｅａｒｎｉｎｇｓ               ｄｉｐ               ｂｅｌｏｗ               £15,000               ａ               ｙｅａｒ,               ｅｉｔｈｅｒ               ｔｈｒｏｕｇｈ               ｒｅｄｕｎｄａｎｃｙ               ｏｒ               ａ               ｃｕｔ               ｉｎ               ｐａｙ               ａｔ               ｗｏｒｋ,               ｔｈｅｎ               ｒｅｐａｙｍｅｎｔｓ               ｗｉｌｌ               ｓｔｏｐ               ｕｎｔｉｌ               ｙｏｕ               ｈａｖｅ               ｒｅａｃｈｅｄ               ｔｈａｔ               ｔｈｒｅｓｈｏｌｄ               ａｇａｉｎ.                Ｃｏｕｒｓｅｓ               ｔｈａｔ               Ｂｅｇａｎ               Ａｆｔｅｒ               1998                Ｉｆ               ｙｏｕｒ               ｃｏｕｒｓｅ               ｃｏｍｍｅｎｃｅｄ               ａｆｔｅｒ               Ｓｅｐｔｅｍｂｅｒ               1998,               ｙｏｕ               ｗｉｌｌ               ｎｅｅｄ               ｔｏ               ｓｅｔ               ｕｐ               ａ               ｄｉｒｅｃｔ               ｄｅｂｉｔ               ｆｒｏｍ               ｙｏｕｒ               ｂａｎｋ               ａｃｃｏｕｎｔ               ｔｏ               ｐａｙ               ｏｆｆ               ｙｏｕｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｂｙ               ｍａｋｉｎｇ               ｅｑｕａｌ               ｍｏｎｔｈｌｙ               ｉｎｓｔａｌｍｅｎｔｓ               ｕｎｔｉｌ               ｔｈｅ               ｂａｌａｎｃｅ               ｈａｓ               ｂｅｅｎ               ｐａｉｄ               ｏｆｆ,               ｏｖｅｒ               ａ               ｐｅｒｉｏｄ               ｏｆ               ｆｉｖｅ               ｔｏ               ｓｅｖｅｎ               ｙｅａｒｓ. Ｔｈｅ               ａｍｏｕｎｔ               ｏｆ               ｉｎｓｔａｌｍｅｎｔｓ               ｙｏｕ               ｈａｖｅ               ｗｉｌｌ               ｔｏ               ｐａｙ               ｂａｃｋ               ｗｉｌｌ               ｄｅｐｅｎｄ               ｏｎ               ｈｏｗ               ｍａｎｙ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ               ｙｏｕ               ｈａｖｅ               ｔａｋｅｎ               ｏｕｔ               ｄｕｒｉｎｇ               ｙｏｕｒ               ｃｏｕｒｓｅ.                Ｓｏｍｅ               ｇｒａｄｕａｔｅｓ               ａｐｐｌｙ               ｅｘｔｒａ               ｅａｃｈ               ｍｏｎｔｈ               ｔｏ               ｈｅｌｐ               ｐａｙ               ｏｆｆ               ｔｈｅ               ｂａｌａｎｃｅ               ｏｆ               ｔｈｅｉｒ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ               ｅｖｅｎ               ｑｕｉｃｋｅｒ. Ｉｆ               ｙｏｕ               ａｒｅ               ｅｘｐｅｒｉｅｎｃｉｎｇ               ｆｉｎａｎｃｉａｌ               ｄｉｆｆｉｃｕｌｔｙ,               ｓｐｅａｋ               ｔｏ               ｔｈｅ               ｃｏｍｐａｎｙ               ｔｈａｔ               ａｄｍｉｎｉｓｔｅｒｓ               ｙｏｕｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｔｏ               ｓｅｅ               ｉｆ               ｙｏｕ               ａｒｅ               ｅｌｉｇｉｂｌｅ               ｔｏ               ａｐｐｌｙ               ｆｏｒ               ａ               ｐｏｓｔｐｏｎｅｍｅｎｔ               ｕｎｔｉｌ               ｙｏｕ               ａｒｅ               ｉｎ               ａ               ｂｅｔｔｅｒ               ｐｏｓｉｔｉｏｎ               ｔｏ               ｓｔａｒｔ               ｒｅｐａｙｉｎｇ               ｙｏｕｒ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ.                Ｗｈｅｎ               Ｄｏ               Ｒｅｐａｙｍｅｎｔｓ               Ｂｅｇｉｎ?                Ｓｔｕｄｅｎｔ               ｌｏａｎ               ｒｅｐａｙｍｅｎｔｓ               ｂｅｇｉｎ               ｏｎ               6               Ａｐｒｉｌ               ａｆｔｅｒ               ｙｏｕ               ｈａｖｅ               ｇｒａｄｕａｔｅｄ               ｆｒｏｍ               ｕｎｉｖｅｒｓｉｔｙ,               ｏｒ               ｆｒｏｍ               ｔｈｅ               ｔｉｍｅ               ｙｏｕ               ｗｉｔｈｄｒａｗ               ｆｒｏｍ               ｔｈｅ               ｃｏｕｒｓｅ               ｗｉｔｈｏｕｔ               ｇｒａｄｕａｔｉｎｇ,               ｆｏｒ               ｓｔｕｄｅｎｔｓ               ｗｈｏ               ｓｔａｒｔｅｄ               ｔｈｅｉｒ               ｃｏｕｒｓｅ               ａｆｔｅｒ               1998. Ｆｏｒ               ｅｘａｍｐｌｅ,               ｉｆ               ｙｏｕ               ｇｒａｄｕａｔｅｄ               ｉｎ               Ｏｃｔｏｂｅｒ               2010,               ｙｏｕｒ               ｒｅｐａｙｍｅｎｔｓ               ｗｉｌｌ               ｈａｖｅ               ｓｔａｒｔｅｄ               ｏｎ               6               Ａｐｒｉｌ               2011               ａｎｄ               ｗｉｌｌ               ｃｏｎｔｉｎｕｅ               ｕｎｔｉｌ               ｔｈｅｙ               ｈａｖｅ               ｂｅｅｎ               ｐａｉｄ               ｏｆｆ.                Ｓｔｕｄｅｎｔ               ｌｏａｎｓ               ｃａｎ               ｈｅｌｐ               ｙｏｕ               ｔｏ               ｍａｋｅ               ｉｔ               ｔｈｒｏｕｇｈ               ｙｏｕｒ               ｕｎｉｖｅｒｓｉｔｙ               ｃｏｕｒｓｅ               ｗｉｔｈｏｕｔ               ｈａｖｉｎｇ               ｔｏ               ｗｏｒｒｙ               ａｂｏｕｔ               ｔｈｅ               ｎｅｃｅｓｓｉｔｉｅｓ               ｏｆ               ｌｉｆｅ               ｓｏ               ｍｕｃｈ,               ｂｕｔ               ｉｔ               ｉｓ               ｉｍｐｏｒｔａｎｔ               ｔｏ               ｔｈｉｎｋ               ｌｏｎｇ               ｔｅｒｍ               ａｎｄ               ｃｏｎｓｉｄｅｒ               ｙｏｕｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｒｅｐａｙｍｅｎｔ               ｏｂｌｉｇａｔｉｏｎｓ               ｏｎｃｅ               ｙｏｕ               ｈａｖｅ               ｇｒａｄｕａｔｅｄ               ｏｒ               ｗｉｔｈｄｒａｗｎ               ｆｒｏｍ               ｙｏｕｒ               ｃｏｕｒｓｅ.                Ｓｏｕｒｃｅ:                Ｄｉｒｅｃｔｇｏｖ,               Ｒｅｐａｙｉｎｇ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ.

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