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North
Country University & College
Resource Center
Repaying your student
loans
What you
need to know about repaying student loans...
After you graduate, leave school,
or drop below half-time enrollment, you have a period of time before you have
to begin repayment. This “grace period” will be six months for a Federal (FFEL)
or Direct Stafford Loan. nine months for Federal Perkins Loans (If you’re a parent
reading this and you have a FFEL or Direct PLUS Loan, you don’t have a grace period—repayment
generally must begin within 60 days after the loan is fully disbursed.)
If
you’ve attended college or received other education beyond high school, and you
received federal student loans from the US Department of Education (ED) along
the way - You’re now about to deal with paying them back. You’ll need to know
how to manage your student loan debt to avoid repayment problems.
There are
several available repayment options so you can successfully repay your debt. Federal
student loans are real loans, just like car loans or mortgage loans. You can’t
just get out of repaying a student loan if your financial circumstances become
difficult, unless you qualify for bankruptcy. But, it’s very difficult to have
federal student loans discharged in bankruptcy; this happens only rarely. Also,
you can’t cancel your student loans if you didn’t get the education you expected,
didn’t get the job you expected, or didn’t complete your education, unless you
leave school for a reason that qualifies you for a discharge of your loan - Remember,
your student loans belong to you; you have to pay them back.
Loan
Consolidation
A
Consolidation Loan allows you to combine all the federal student loans you received
to finance your college education into a single loan.
New Provisions Permitting
Borrowers to Enter Repayment Early Under the Higher Education Act of 1965, as
amended and the Department's regulations, a borrower can request a repayment schedule
that provides for repayment to commence at a date that is earlier than six months
after the date the borrower ceases to carry at least one-half the normal full
time academic workload.
If the lender grants the request, the loan enters
the repayment period and the borrower waives any applicable grace period. This
is the case even if the borrower is currently enrolled in school. Such a borrower
will be eligible to obtain a consolidation loan to repay the loan on which early
conversion to repayment was granted, assuming all other eligibility criteria are
met. As stated above, the borrower waives any applicable grace period, now and
in the future.
To apply for a Direct Loan Consolidation or an FFEL Consolidation the borrower
must contact the lender and complete an application. Most lenders provide borrowers
with the ability to apply on-line or request an application over the telephone.
Once an application is completed and submitted, the lender will request information
from the borrower’s other lenders or from its own system to determine the amounts
outstanding on the borrowers loans. The borrower will then receive notification
about the consolidation loan, normal consumer disclosures, the amount owed, and
if appropriate, where to make payments.
Consolidation
loans have fixed interest rates that are based on the weighted average of the
interest rates on the loans being consolidated. A lender can provide a new consolidation
loan borrower with the lowest statutory weighted average interest rate for loans
by using the lower of the weighted average of the interest rates on the loans
being consolidated as of July 1 or the date the lender received the borrower's
consolidation loan application. The lender should apply a consistent method of
determining when an application is received.
Lenders'
Options for Determining Federal Consolidation Loan Interest Rates and Permitting
Borrowers to Enter Repayment Early
If the lender determines
that the borrower is still enrolled, the lender can put the loan that will now
be in repayment, into an in-school deferment status at the borrower's request.
The interest rate on the loan would be the deferment rate. If the borrower consolidates
the Stafford Loan, the deferment interest rate should be used in calculating the
weighted average interest rate on the consolidation loan.
Repayment Plans
When
repaying your student loan, you have some choices in repayment plans (for FFEL
and Direct Loans) that can make repaying easier and help you avoid delinquency
or default. If you’re delinquent, it means you’re late making a scheduled loan
payment (most often, you’re 30 days or more late). Default, explained in more
detail (see default page), generally means you’re 270 days or more late in making
a loan payment. (Note that for Federal Perkins Loans, however, default is defined
as the failure to make an installment payment when due or the failure to comply
with other terms of your promissory note or written repayment agreement.)
Although default is more serious than delinquency, even delinquency can be reported
to credit bureaus. A delinquency notation remains part of your financial history
and could affect your credit rating. Repaying your loan on time will help you
establish and maintain a good credit rating, which is crucial when you want to
buy a car or a house, or even if you want to rent an apartment. Sometimes, your
credit rating can even affect whether you’ll be selected for a particular job.
It’s important to keep paying on your student loans!
Defaulting on your
Student Loans
If
you default, it means you failed to make payments on your student loan according
to the terms of your promissory note, the binding legal document you signed at
the time you took out your loan. In other words, you failed to make your loan
payments as scheduled. Your school, the financial institution that made or owns
your loan, your loan guarantor, and the federal government all can take action
to recover the money you owe. Here are some consequences of default:
National
credit bureaus can be notified of your default, which will harm your credit rating,
making it hard to buy a car or a house.
You would be ineligible for additional
federal student aid if you decided to return to school.
Loan payments can
be deducted from your paycheck.
State and federal income tax refunds can
be withheld and applied toward the amount you owe.
You will have to pay late
fees and collection costs on top of what you already owe.
You can be sued.
How to Apply for a Student Loan
U.S. Department of Education
- FAFSA
Gather
the documents you need
Start with your Social Security Number, driver's license,
income tax return, bank statements and investment records.
Print a FAFSA
on the Web Worksheet
Write in your answers and gather your parent's information
then transfer the data to FAFSA on the Web.
Plan how to sign your FAFSA
Sign electronically with a U.S. Department of Education Personal Identification
Number (PIN) or by mailing in a signature page.
Apply for a PIN now!
Speed up the process by signing your FAFSA electronically with your PIN.
Your parent can sign electronically too.
Check your eligibility for federal
student aid.
Note important deadlines
To
meet the Federal Student Financial Aid deadline: Apply
as early as possible beginning January 1st of each year.
Schools and states
have their own deadlines. Contact them for exact deadline dates.
 Clarkson
University
8 Clarkson Ave., Potsdam, New York 13699
315-268-6400. 800-527-6577
Clarkson ranks among the finest universities
in the nation, according to such diverse measures as U.S. News and World Report,
the Association for Independent Technological Universities, and corporate recruiters.
Clarkson focuses on providing a rigorous professional experience, real-world experiences
for a real-world education, and developing a collaborative community for students,
faculty, and staff. website: http://www.clarkson.edu/
St. Lawrence
University
23 Romoda Drive · Canton, NY · 13617 · 800-285-1856
In an ideal location, St. Lawrence is a diverse liberal arts learning community
of inspiring faculty, serious students, accomplished graduates guided by tradition
and focused on the future.It is our expectation that students at St. Lawrence
University engage in the process of academic planning over their academic career
in order to best achieve their academic goals and reach their full potential.
website: http://www.stlawu.edu/
North
Country College of Essex and Franklin
23 Santanoni Ave., P.O.Box 89, Saranac Lake, NY 12983-0089 Phone: 518-891-2915
Toll Free: 1-888-879-6222
North Country Community College is committed to
providing, within Essex and Franklin counties, an innovative, challenging, supportive
environment where the intellectual, career, personal and creative aspirations
of all interested individuals can be realized. website: http://www.nccc.edu/
 SUNY
Canton
34
Cornell Drive · Canton, NY 13617 315.386.7011 1.800.388.7123
The State University
of New York at Canton is a public, coeducational, residential college located
on a spacious campus along the banks of the Grasse River. Its northern location
places SUNY Canton close to the Adirondack Mountains, the St. Lawrence River,
and major Canadian cities such as Ottawa and Montreal. website:http://www.canton.edu/
 The
State University of New York at Potsdam
44 Pierrepont Avenue, Potsdam NY 13676, (315) 267-2000
SUNY Potsdam, located
in beautiful northern New York, is a small liberal arts college providing an education
that is driven by quality delivered in a way that is uniquely personal. We are
one of 64 units of the State University of New York and one of 13 SUNY Arts and
Science Colleges. SUNY Potsdam offers bachelor's and master's degrees in several
areas of liberal studies, music and teacher education. website:http://www.potsdam.edu/
 Jefferson
Community College
1220 Coffeen Street, Watertown, NY 13601 (315) 786-2200
Jefferson Community
College (JCC) is a participating eArmyU college. JCC is one of the 30 community
colleges in the 64-campus system of the State University of New York (SUNY). A
two-year public institution supervised by SUNY and sponsored by Jefferson County,
the College offers both transfer and career programs leading to the associate
degree or certificate. website:http://www.sunyjefferson.edu/
 SUNY
Plattsburgh
101 Broad Street Plattsburgh, New York 12901.
Phone: (518) 564-2000Plattsburgh
State's remarkable campus culture and environment combine with an exceptionally
high quality of teaching to produce success for students.
The Plattsburgh experience
challenges students to discover their potential, to seek new intellectual horizons,
and to learn skills that can turn dreams into realities. It's an experience that
calls students to explore new ground and reach still greater heights of achievement.website:http://www.plattsburgh.edu/
Clinton
Community College
136
Clinton Point Drive Plattsburgh, NY 12901
Clinton
Community College, a member unit of the State University of New York, is situated
at Bluff Point, approximately 4 miles south of Plattsburgh, on forested heights
overlooking Lake Champlain. While the college features the modern equipment and
facilities necessary for contemporary educational needs, its distinctive architecture
and spectacular natural setting hint at significant times of the past. In fact,
the Bluff Point locale has been the scene of some of the most important events
in the founding of the American Republic and its tradition. It is fitting that
an area so magnificently beautiful and so much a part of the early development
of the United States is maintained for public use and enjoyment.website:
http://www.clinton.edu/
Paul
Smith's College
Route
86 & 30 P.O. Box 265 Paul Smiths, NY 12970-0265 Tel: 518-327-6227 1-800-421-2605
Paul Smith's College is set in the Adirondacks of Northern New York amid awe-inspiring
mountains, sparkling lakes and lush forests. The main campus of the 14,200 acre
property is on the shores of Lower St. Regis Lake, providing a safe, comfortable
and invigorating environment to obtain baccalaureate or associate degrees. Bachelor’s
programs include Biology, Business, Culinary Arts and Service Management, Fisheries
and Wildlife Sciences, Forestry, Hotel, Resort and Tourism Management, Natural
Resources, and Recreation, Adventure Travel and Ecotourism (RATE). Alternatively,
careers also start with Associate degrees in programs such as Business, Culinary
Arts, Forest Recreation or Forest Technician, Liberal Arts, Hotel and Restaurant
Management, Outdoor Recreation, Surveying, or Urban Tree Management.
website:http://www.paulsmiths.edu/
|
College loans bear biggest
part
of budget-cutting plan
Tuesday, December 20,
2005; Posted: 10:58 a.m. EST (15:58 GMT)
| |
WASHINGTON
(AP) -- As Congress moves to slash $40 billion in spending, no program will take
a bigger hit than college loans, where almost $13 billion would be cut over five
years.
For
students, the upshot is mixed. Excessive government payments to banks would be
halted, freeing up some dollars for new grants, larger loan limits and reduced
loan fees. But
overall, the student loan program would endure the largest cut in its history,
and most of the money would not be pumped back into education. Instead, under
a plan the House approved Monday, the money would be counted only toward reducing
the federal deficit. "At
a time when the entire country believes we need to make higher education more
affordable, Congress is trying to balance the budget on the backs of students,"
said Jasmine Harris, legislative director for the United States Student Association.
School
Loan Consolidation.com
Reduce
your monthly payments by up to 58%.
There's no credit check or fees.
click
here Parents
who take out loans on behalf of their students would pay higher interest rates.
And other parts of the college package could indirectly drive up costs for students,
if banks pass on new expenses or offer less attractive loans as their profit margin
shrinks. "You
don't want to say the news is all bad. It's a decidedly mixed bag," said Terry
Hartle, senior vice president of the American Council on Education, the largest
coalition of colleges and higher education groups in the nation. "But
on balance, one comes to the conclusion that this is a sad step in the history
of the student loan program," Hartle said. The
$12.7 billion in college cuts are part of an effort, led by conservative Republican
lawmakers, to show discipline with the public's money. But Democrats say GOP leaders
only want to pay for tax cuts, all the while eroding the ability of parents to
pay for college. The
timing of Senate action was unclear. Colleges and university associations scrambled
Monday, urging the Senate to reject the bill as the Congress tried to end its
2005 work. Within
higher education, the single biggest cut appears to be in the profits of lenders. Under
current law, banks get to keep the excess money when the amounts that students
pay in interest exceed the rate of return that the government has guaranteed.
That would end. Lenders would have to refund the difference to the government,
meaning billions of dollars. "We
were able to reduce spending through changes in the way lenders operate," said
Mike Enzi, R-Wyo., the chairman of the Senate education committee. "But at the
same time, we shielded the direct impact to students, and actually increased student
opportunities."
School
Loan Consolidation.com
Reduce
your monthly payments by up to 58%.
There's no credit check or fees.
click
here The
interest rate for parent loans would increase to a fixed rate of 8.5 percent in
July. It is now a variable rate and had been set to move to a fixed rate of 7.9
percent. Meanwhile,
the interest on students loans would also move to a fixed rate of 6.8 percent
in July, up from its current variable rate of 4.7 percent. But that change was
already set to happen under law, and the deficit-reduction bill does not alter
that plan. Student groups tend to support a fixed rate as a protection against
unstable, rising interest rates. Loan
limits would increase from $2,625 to $3,500 for first-year students, and from
$3,500 to $4,500 for second-year students. The total borrowing limit allowed for
undergraduates would remain at $23,000. Lawmakers aimed for a compromise of letting
students borrow more at the start of college, reflecting current needs, without
sanctioning a bigger overall debt. The
bill would offer grants to poorer, high-achieving students in the first two years
of college and older undergraduates studying math, science or high-demand foreign
languages. John
Boehner, R-Ohio, the chairman of the House education committee, said the bill
"offers significant new benefits to students pursuing a college education." But
critics said the size of those benefits doesn't come close to offsetting the cuts. Said
Bob Shireman, director of The Institute for College Access and Success: "Overall,
there will be less money out there for helping students pay for higher education.
And it's not being returned to the system, except in some small ways."
|
| NEW YORK SUMMER CAMPS
& SUMMER SCHOOLS
Adirondack Camp is a rustic traditional,
co-ed children's camp located on the Northern end of beautiful Lake George. Lake
George is one of the most beautiful lakes in the country. It's also one of the
cleanest. So our waterfront activities are excellent ! Wilderness activities include
scaling tall rock faces, historical native American activities, nature trips,
biking and rafting.Trips head out by land and water and range from overnights
in the Adirondack, White, and Green Mountains to week long canoe trips. Visit
our website for a
complete list of activities.
P.O. Box 97 Putnam Station, NY 12861-0097 USA
Main Office (518) 547-8261 Facsimile (518) 547-8973
email: adigood@capital.net
Child
Summer Camps
Non-competitive
camps with individual focus. Horseback riding, canoeing, kayaking, sailing, mountain
biking, rock climbing and more. Find a fun and enriching program for your child
featuring top instructors.
Girl Summer Camps
Find
exciting and enriching overnight girls summer camps. Experience for ages 7 to
16. Lots of activities including swimming, boating, water skiing, sailing, bicycling
and horseback riding
Summer
Music Camps
Search leading performing arts camps offering a blend
of serious music instruction and traditional summer camp activities for all levels.
Band, choir, jazz, chamber, musical theatre and composition.
High
School Summer Program
High School Summer Program at NYFA Learn
writing, directing, digital editing, acting, and animation at the new York film
academy. Summer programs available for high school students. U.S. and overseas
locations.
Summer
Youth Hockey Camps
Find your perfect hockey
camp experience -summer camps and clinics for all ages and skill levels. Shooting,
scoring, stickhandling, checking, power skating and goaltending clincs and camps
offered in 3 day and week long programs. Camps featuring basic fundamentals, advanced
game situations, and high intensity elite programs at locations in the U.S. and
Canada.
Summer
School Programs
Odssey Teen Scuba & Sailing Summer Camp Teenagers
explore the Caribbean this summer aboard a sailing catamaran. Learn sailing, scuba
diving, & marine biology. Earn certifications. British Virgin Islands. No Experience
Necessary
Northwood
School Lake Placid, NY - 518-523-3357
College Preparatory students
will find Northwood a place to learn and grow, both academically and personally.
The school encourages students to make their own intelligent and independent decisions.
Please inquire obout our summer training camp programs. Students will also find
that today's challenges and obligations can be met using the skills they acquire
at Northwood.
 National
Sports AcademyLake Placid, NY - 518-523-3460
Nine month independent
boarding and day school for winter sports athletes with a comprehensive college
preparatory curriculum. Campus is located within the heart of the Lake Placid
Olympic village, within walking distance of the famous Olympic Skating and Hockey
Arena. Please inquire obout our summer training camp programs.
 North
Country SchoolLake Placid, NY - 518-523-9329
In addition to an enriched
academic curriculum, the school program provides computer skills, supervised study,
and organizational skills training. We stress the arts - extensive facilities
are available for work in visual and performing arts, and music. We have a barn
with fifteen horses and three acres of organic gardens.
USA KidsAdventures
email:info@usakidsadventures.com
USA Kids Adventures is a fun and exciting day program for kids ages 8-18. Based
at the Ironman USA Lake Placid race venue and surrounded by the Adirondack Mountains
and lakes, this program is perfect for the Ironman athlete looking for a high-quality
kids experience each day from 9 A.M. to 4 P.M. during the three days leading up
to the Ironman USA Lake Placid Event
 Regis-Apple
Jack - Paul Smiths, NY
On Upper St. Regis Lake in the Adirondack
Mountains of Upstate NY Paul Smiths NY 12970
phone: Winter: (609) 688-0368
| Summer: (518) 327-3117
This coed camp is for children ages 6 to 16. Celebrating
53 years of Adirondack camping at its best! We offer a unique multi-cultural community
for boys and girls, 6-16 years of age, in a warm, supportive and relaxed environment.
Activities include watersking, sailing, horseback riding, tennis, team sports,
mountain biking, visual and performing arts, nature, wilderness adventure and
much much more! ACA Accredited.
 Can/Am
Hockey Camps and Tournaments
PO Box 160 Williams Bay WI 53191
Summer
Youth Hockey Camps:Adult Hockey Camps: The Ultimate Sports Vacation: Be part of
the Best Youth Tournament in North America!
For more information
on youth hockey camps click
here
Summer
Basketball Camp
Bring
your game to a whole new level with great coaching and competition. Several Summer
basketball programs to choose from. All star coaches and staff. Summer Basketball
participation will assist boys and girls in furthering their basketball skills
through camps, clinics and personal instruction.
Fieldhockey
Summer Camp
Search
top rated field hockey summer camps.
Find the best Field hockey instruction
for athletes and coaches. Further your field hockey skills this summer and get
more field time.
Camp Treetops P.O. Box 187 Lake Placid,
NY 12946
We believe that these middle years between primary and secondary
school are the years when character is given the shape of personality and confidence
is turned into competence. We believe that a child's discovery of herself is the
purpose of education. Independence and the capacity to need and care for others
are the outcome of that discovery. We believe that there aren't enough small and
simple things in a child's life today. Not enough things that can be taken apart
and understood. We believe that children learn people first and things second.
North Country Treetops is, in one sense, a retreat, a Walden Pond for children,
a place where life is simple enough to make sense and to give a child the confidence
that he can find sense. In many ways our environment is our curriculum. The seasons
provide a natural change of pace. In September and October we harvest our crops
and our poultry. In November we bring all of our parents here for a Thanksgiving
feast. In December we split wood for our hearths and for the maple-sugaring that
will come later on. In January and February we open our ski hill and clear the
pond for skating. In March we plant seeds in our greenhouse. In April we harvest
maple syrup and in May we turn over the earth for a new planting. Our summer children
put out the seedlings the winter children have started and tend them through July
and August. Then we begin again.
My Student Loans
Quick, Easy Student Loans Great rates and a no-hassle application.
Up to $250,000 right now.
Apply online or call toll-free! |
|
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|
GET AHEAD IN LIFE!
CONTINUE YOUR
EDUCATION! |
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Relocating
to New York State?
To
request a free relocation kit for any Region in New York
State including the Adirondacks, Capitol-Saratoga Region, Catskills, Central New
York- Leatherstocking Region, Chautagu-Allegheny, Finger Lakes, Hudson Valley,
Long Island, New York City, Niagara Frontier and the Thousand Islands as
well as the major cities listed below just fill out our simple relocation form!
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