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如果你的教学补助金成为贷款怎么办

作者:易秋      发布时间:2021-07-20      浏览量:88123
相关内容 了解联邦学生贷款类型 大学最好的钱是"免费钱",也许最好用你不必还的钱来形容。这就是为什么利用奖学金和助学金通常是资助你的教育和节省大学费用的好方法。这些资源可用于减少您使用储蓄或学生贷款支付的金额。 但是,您应该仔细阅读并了解您接受的任何奖励的条款和条件,以支付大学学费,而教助学金就是其中很重要的

相关内容

大学最好的钱是"免费钱",也许最好用你不必还的钱来形容。这就是为什么利用奖学金助学金通常是资助你的教育和节省大学费用的好方法。这些资源可用于减少您使用储蓄或学生贷款支付的金额。

但是,您应该仔细阅读并了解您接受的任何奖励的条款和条件,以支付大学学费,而教助学金就是其中很重要的一个很好的例子。这里是关于教助学金的信息和建议,你可以做什么,如果你有一个成为贷款。

什么是教学补助金计划?

国会于2007年批准了TEACH助学金计划,正在学习开始教学生涯的个人有资格获得助学金,以换取在校内和课后达到某些资格。提交联邦学生援助的免费申请,称为FAFSA,是申请教学补助金的第一步。

联邦政府授予TEACH助学金,以换取一项服务协议,该协议要求受助人作为高素质的教师在小学或中学或低收入地区的合格教育服务机构担任高素质的教师。

工作承诺是在完成或离开获得补助金的学习课程后八年内至少四个完整学年。美国教育部定义的高需求领域包括英语学习、数学、科学和特殊教育。

如果接受者未能满足所有工作和认证要求以及教助基金的其他条件,它将被转换为联邦直接无补贴学生贷款,必须全额偿还利息

该补助金每年必须申请,每年最多提供4,000美元的学士学位或硕士学位。如果国会通过拜登政府的"美国家庭计划",大三、高年级和研究生的最高金额可以翻一番,达到8000美元。

但是,由于2011年联邦预算控制法(也称为封存法),学生不应期望获得最高金额。2021年10月1日或之后以及2022年10月1日前发放的教学助学金,必须比学生本来获得的奖励金额减少5.7%。例如,4,000 美元的奖励减少了 5.7%,即 228 美元,实际奖励为 3,772 美元。

助学金获得者必须就读于参加教学助学金计划的学校,并必须满足某些学业成绩要求的合格本科生、研究生或研究生课程。他们还必须签署一份服务或偿还的教学补助金协议,其中概述了所有条款和条件。

在某些情况下,服务义务可以暂时中止,例如,如果您的州要求您获得该州小学或中学的教学许可证或认证:如果您有根据《联邦家庭和医疗休假法(俗称 FMLA)有资格休假的条件;或被命令担任现役军人的合格案例。根据教育部7月1日宣布的教学补助计划的变化,受助人可以因其他原因暂停其服务义务。

TEACH grant recipients have been required to submit documentation showing they have completed a year of qualifying teaching service – or their intent to satisfy the requirement – to the Department of Education each year. There also has been an initial certification required within 120 days of graduating or leaving school, and failure to complete a certification resulted in the grant being converted to a loan.

But under the new regulations, recipients will no longer have their TEACH grants automatically converted to loans for failing to certify within 120 days of graduating from or leaving school; in fact, now, there is no longer a requirement for recipients to certify that they have begun teaching or intend to within 120 days. Plus, now if they fail to certify at the end of each year of teaching, conversion to loans will not happen until they have run out of time to complete the four required years of service within the eight-year window.

As a result of these program changes, TEACH grant recipients now only have to submit four completed teaching certifications within the eight-year service obligation period.

Also, in addition to receiving counseling each year a grant is received, students now are required to take exit counseling. That will include information about how the grant's servicer will annually send detailed notifications about service obligation timelines and requirements; estimates of accrued interest; documentation reminders; and explanations about the reconversion process, meaning when loans are converted back to grants. The goal is to ensure that grant recipients are informed and prepared to comply with program requirements.

Other program changes announced by the Department of Education are an expansion of the reasons why a TEACH grant recipient may receive a full year's credit for teaching less than a full academic year; grouping of undergraduate and graduate service obligations together, when possible; updates to the agreement form and original counseling features; addition of a new online counseling feature that provides information about the conversion of a grant to a loan; and new and improved online forms and resources.

How a TEACH Grant Can Become a Loan

 

A TEACH grant can be converted into a direct unsubsidized loan when a recipient fails to meet the work requirements or doesn't certify his or her qualifying employment and has run out of time to complete the required years of service.

When a TEACH grant becomes a loan, the recipient owes the full amount disbursed, as well as any interest that would have accrued from the date the grant was paid out.

In the past, TEACH grants have been commonly converted into loans due to small paperwork issues, such as failing to certify employment within a certain number of days after leaving a program or submitting annual certification of teaching status one day late. In fact, per the Office of Management and Budget, the majority of TEACH grants – 66% – were turned into loans under the prior rules.

The new program changes are aimed at addressing administrative hurdles, adding flexibility for grant recipients and hopefully reducing the frequency with which the grants are converted to loans.

What to Do if Your TEACH Grant Is Converted

If the Education Department contacts you and says you are eligible to request reconsideration, you could get the loan converted back to grants if you can demonstrate that either you completed the required four years of qualified service during the eight-year service obligation period or you intend to and will be able to do so.

You can still request a reconsideration even if the Education Department doesn't contact you – for example, if you were on track but missed the annual certification requirement or made an error. Also, as a result of the new regulations, the possibility of reconsideration is now open to all recipients whose grants were converted to loans for any reason.

But remember that whatever the reason, you must show that either you met or will be able to meet the service requirement within the required time frame.

To request a reconsideration, contact FedLoan Servicing, the TEACH grant servicer, by phone at 855-499-9543 or by email at TEACHgrantconversions@myfedloan.org. Be ready to answer questions and provide information as needed for the company to determine your eligibility status.

If you fail to win reconsideration and therefore can't get the loan reconverted back to a TEACH grant, be sure to read and understand all the terms and conditions of your new loan. Fortunately, it is eligible for all the benefits and borrower protections of the federal student loan program, including the ability to lower your monthly payment if needed and to place your loans in deferment if you cannot make a payment.

 

At the same time, however, there are consequences if you miss loan payments and fall into delinquency or default.

If your TEACH grant hasn't been converted into a loan but you have questions about the annual certification date, contact FedLoan Servicing at 800-699-2908.

11 Steps to Minimize Student Loan Debt

Close up of a young woman using calculator, laptop and analyzing documents
 
 

关于学生贷款游侠

学生贷款游侠帮助潜在和当前的学生和应届毕业生理解借款选择,学生债务和贷款偿还。该博客目前由教育金融委员会,一个代表非营利和州立高等教育金融组织的全国性行业协会撰写:GreenPath金融健康,一个全国性的非营利组织,提供财务咨询和教育,使人们能够过上经济健康的生活:和大学入学与成功研究所,一个独立的非营利组织,负责研究,分析和宣传,使高等教育更可用,负担得起和公平。

 
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