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page-item-341 subnav__item--sub"><a href=https://www.pnw.edu/financial-aid/resources/consumer-information/sara-standing-for-online-masters-in-nursing-program/ class=subnav__link--sub title="SARA Standing for Online Master’s in Nursing Program">SARA Standing for Online Master’s in Nursing Program</a></li> <li class="page_item page-item-343 subnav__item--sub"><a href=https://www.pnw.edu/financial-aid/resources/consumer-information/textbook-information/ class=subnav__link--sub title="Textbook Information">Textbook Information</a></li> <li class="page_item page-item-436 subnav__item--sub"><a href=https://www.pnw.edu/financial-aid/resources/consumer-information/university-contacts/ class=subnav__link--sub title="University Contacts">University Contacts</a></li> <li class="page_item page-item-345 subnav__item--sub"><a href=https://www.pnw.edu/financial-aid/resources/consumer-information/vaccination-policy/ class=subnav__link--sub title="Vaccination Policy">Vaccination Policy</a></li></ul> </li> <li class="subnav__item page-item-222 subnav__item--current"><a href=https://www.pnw.edu/financial-aid/resources/financial-literacy/ class=subnav__link title="Financial Literacy">Financial Literacy</a></li> <li class="subnav__item page-item-62"><a href=https://www.pnw.edu/financial-aid/resources/faqs/ class=subnav__link title="Financial Aid FAQs">Financial Aid FAQs</a></li></ul></nav></div><div class=main__content><h1>Financial Literacy</h1><p class=p-large>Financial Literacy is understanding how money works and how to make informed and effective choices with your money.</p><p>Most of us have questions about money and student loan repayment. The information below can assist you with repayment and help you make sound decisions with money.</p><div class=feature><div class=feature__img> <img width=900 height=600 src=https://www.pnw.edu/financial-aid/wp-content/uploads/sites/3/2020/03/Pnwh_38_of_68_900x600_v2-900x600.jpg class="attachment-900x600 size-900x600" alt="A student smiles on campus" decoding=async fetchpriority=high srcset="https://www.pnw.edu/financial-aid/wp-content/uploads/sites/3/2020/03/Pnwh_38_of_68_900x600_v2.jpg 900w, https://www.pnw.edu/financial-aid/wp-content/uploads/sites/3/2020/03/Pnwh_38_of_68_900x600_v2-300x200.jpg 300w, https://www.pnw.edu/financial-aid/wp-content/uploads/sites/3/2020/03/Pnwh_38_of_68_900x600_v2-768x512.jpg 768w, https://www.pnw.edu/financial-aid/wp-content/uploads/sites/3/2020/03/Pnwh_38_of_68_900x600_v2-800x533.jpg 800w, https://www.pnw.edu/financial-aid/wp-content/uploads/sites/3/2020/03/Pnwh_38_of_68_900x600_v2-501x334.jpg 501w" sizes="(max-width: 900px) 100vw, 900px"></div><div class=feature__content><p class=h4><span>Financial Aid Video Playlist</span></p><p>Have financial aid questions? Visit PNW’s video portal to find answers, from understanding your financial aid offer to the difference between grants and loans.</p><p><a class=button__link href=https://pnw.financialaidtv.com/ >Explore the Playlist</a></p></div></div><div class="feature feature--swap"><div class=feature__img> <img width=900 height=600 src=https://www.pnw.edu/financial-aid/wp-content/uploads/sites/3/2020/02/Feature_TuitionCosts_900x600-900x600.jpg class="attachment-900x600 size-900x600" alt="A PNW student works at a computer." decoding=async srcset="https://www.pnw.edu/financial-aid/wp-content/uploads/sites/3/2020/02/Feature_TuitionCosts_900x600.jpg 900w, https://www.pnw.edu/financial-aid/wp-content/uploads/sites/3/2020/02/Feature_TuitionCosts_900x600-300x200.jpg 300w, https://www.pnw.edu/financial-aid/wp-content/uploads/sites/3/2020/02/Feature_TuitionCosts_900x600-768x512.jpg 768w, https://www.pnw.edu/financial-aid/wp-content/uploads/sites/3/2020/02/Feature_TuitionCosts_900x600-800x533.jpg 800w, https://www.pnw.edu/financial-aid/wp-content/uploads/sites/3/2020/02/Feature_TuitionCosts_900x600-501x334.jpg 501w" sizes="(max-width: 900px) 100vw, 900px"></div><div class=feature__content><p class=h4><span>Understanding Student Loan Repayment</span></p><p>Learn about federal student loan repayment based on where you are in the process.</p><p><a class=button__link href=https://studentaid.gov/h/manage-loans>Manage Loans | Federal Student Aid</a></p></div></div> <script src="https://embed.ocelotbot.com/cms/embed/script/13556?current_entity=92921&dim=responsive"></script> <div class="elementor-element elementor-element-89e3f77 elementor-widget elementor-widget-text-editor" data-id=89e3f77 data-element_type=widget data-widget_type=text-editor.default><div class=elementor-widget-container><div class="elementor-text-editor elementor-clearfix"><h2 class="headline" style="text-transform: none;">Student Loans and Repayment</h2></div></div></div><div class="tabs tabs--white"><div class=tabs__nav> <button class=tabs__button>What Borrowers Would Do Differently</button> <button class=tabs__button>Making Informed Decisions</button></div><div class=tabs__content> <button class="accordion__toggle tabs__toggle">What Borrowers Would Do Differently</button><div class=tabs__content__item><div class=tabs__content__interior><p>A Federal Student Aid survey asked students about entering repayment and what they would do differently when borrowing student loans. Some of their responses are shown below:</p><p>“If I could do it all over again…</p><ul> <li>I would begin paying my loans during my studies</li> <li>I would have taken all subsidized loans and no unsubsidized ones</li> <li>I would have taken out just enough and not the maximum amount</li> <li>I would pay interest as I went</li> <li>Rethink how to spend my loan</li> <li>Take more classes per semester to cut down on cost</li> <li>I would borrow less, have a better understanding of loan repayment options, and not accept refund checks to make my loan smaller</li> <li>Find out exactly how much I am borrowing”</li></ul><p>These responses show that students would approach loan borrowing differently.</p></div></div> <button class="accordion__toggle tabs__toggle">Making Informed Decisions</button><div class=tabs__content__item><div class=tabs__content__interior><p>Use this information to make informed decisions about your student loans. Federal student loans used to pay for your college education can be an investment in your future. Follow the advice of other students to get the best return on investment possible:</p><ul> <li>Start making interest payments if you are able</li> <li>Take out only subsidized loans if offered to you</li> <li>Borrow only what you need</li> <li>Take advantage of banded tuition and take a higher credit hour load each term</li> <li>Know the amount you are borrowing and know your federal loan servicer<ul> <li><a href=https://studentaid.gov/h/manage-loans>Manage your Federal Student Loans</a></li></ul> </li></ul><p><strong>Be wary of third-party companies promising to consolidate or eliminate your student loan debt through loan forgiveness programs</strong>. Work directly with your federal loan servicer.</p></div></div></div></div><h2 class="headline" style="text-transform: none;">Financial Literacy Resources</h2><div class=media__embed> <iframe width=560 height=315 src=https://www.youtube.com/embed/mTHtn0FRMWw title="YouTube video player" frameborder=0 allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe></div><h3 class="h4" style="text-transform: none;">Understanding Your Federal Loan Status</h3><p>Navigating loan repayment can seem overwhelming. Understanding the status and stages of your federal student loans makes understanding repayment easier.</p><div class=accordion__group><div class=accordion> <button class=accordion__toggle>1. Loan Status While In School</button><div class=accordion__content><div class=accordion__interior><p>Once you accept your federal student loan, it is important to understand your loan status and what action steps you can take.</p><h3>In School</h3><p>While you are enrolled at least half-time (six credit hours for undergraduate students and four credit hours for most graduate students) you are not required to make any payments on your Federal Direct loans. You may make early payments on your loans as well as interest payments on your unsubsidized loans.</p><h4>Action Steps</h4><ul> <li>Determine your <a href=https://studentaid.gov/manage-loans/repayment/servicers>federal loan servicer</a></li> <li>Open an account with your loan servicer and keep contact information current</li> <li>Make interest payments if possible and/or begin making payments early</li> <li>If you are unable to make monthly interest payments consider making one payment to understand how the process works.</li></ul></div></div></div><div class=accordion> <button class=accordion__toggle>2. Loan Grace Period</button><div class=accordion__content><div class=accordion__interior><h3>Grace Period</h3><p>Most Federal Direct loans have a six month grace period after you are no longer enrolled at least half-time in school. Repayment of your loans begins after the grace period expires.</p><ul> <li>You receive one grace period for each loan, once you use the grace period it is gone</li> <li>This may mean you could go into repayment immediately on some loans and still have a grace period on other loans</li></ul><p><strong>Example</strong></p><p>Jessica decides to work for one semester and does not enroll in the spring after being continuously enrolled at least half-time each fall and spring.</p><ul> <li>Enrolled year one; fall and spring semesters</li> <li>Enrolled year two; fall semester only</li> <li>Not enrolled year two; spring semester</li> <li>Enrolled again year three; fall and spring semesters</li></ul><p>Since Jessica was not enrolled at least half-time for over six months during her year two spring semester, <em>she has lost her grace period on any loans up to this point</em>. Jessica enrolls full-time in her third year beginning in the fall and stays enrolled each fall and spring semester until graduation. Jessica will have a grace period for any loans received after returning to school, but will have lost grace on the loans taken before year three.</p><h4>Action Steps</h4><ul> <li>Contact your <a href=https://studentaid.gov/manage-loans/repayment/servicers>federal loan servicer</a> to let them know you are out of school</li> <li>Give your loan servicer your current contact information (address, phone number and email)</li> <li>Research the different repayment plans (see below)</li></ul></div></div></div><div class=accordion> <button class=accordion__toggle>3. Loan Repayment</button><div class=accordion__content><div class=accordion__interior><h3>Repayment</h3><p>Repayment begins once your grace period has expired and continues until the loan is paid in full. You will make payments to your loan servicer; each loan servicer may have a different process so check with your servicer if you aren’t sure how or when to make a payment.</p><h4>Action Steps</h4><ul> <li>Select your repayment plan</li> <li>Sign up for automatic debit (you may qualify for an interest rate reduction)</li> <li>If you have difficulty with your payments, contact your loan servicer immediately to discuss your options and avoid delinquency or default</li> <li>If you haven’t finished your degree, consider enrolling half-time (at least 6 credit hours) to qualify for an in-school deferment</li></ul><p>Federal Student Aid has an overview of the different types of available <a href=https://studentaid.gov/manage-loans/repayment/plans>Repayment Plans</a> available. Work with your federal loan servicer to choose your payment plan. Keep in mind that longer repayment plans may result in you paying more than under the 10-year Standard Repayment Plan.</p></div></div></div><div class=accordion> <button class=accordion__toggle>4. Loan Deferment and Forbearance</button><div class=accordion__content><div class=accordion__interior><h3>Deferment and Forbearance</h3><p>If you are unable to make full payments on your loan you may qualify for a deferment or forbearance for your federal student loans if you meet certain criteria. Deferments and/or forbearance are tools that may be available to you in order to avoid delinquency and default.</p><ul> <li>Deferment temporarily postpones payments on a loan.</li> <li>Forbearance temporarily suspends or reduces payments on a loan</li></ul><p><a class=button__link href=https://studentaid.gov/manage-loans/lower-payments/get-temporary-relief>Learn More About Deferment and Forbearance</a></p></div></div></div><div class=accordion> <button class=accordion__toggle>5. Loan Delinquency and Default</button><div class=accordion__content><div class=accordion__interior><h3>Delinquency and Default</h3><p>Missing payments or not making payments on your student loans will result in delinquency and possibly default. Avoid default and delinquency by contacting your loan servicer immediately. Default has severe consequences including:</p><ul> <li>Demand of immediate payment for the entire unpaid balance of your loans</li> <li>Loss of eligibility for deferment, forbearance and repayment plans</li> <li>Loss of eligibility for additional federal student aid</li> <li>Your loan(s) account is sent to collections</li> <li>Your loan(s) will be reported to the credit bureaus</li> <li>Your federal and state tax refunds may be confiscated</li> <li>Your employer may withhold money from your paycheck (wage garnishment)</li></ul><p><a class=button__link href=https://studentaid.gov/manage-loans/default>Learn More About Delinquency and Default</a></p></div></div></div></div><p> </p><h2 class="h4" style="text-transform: none;">Financial Aid Resources</h2><p>These resources can answer common questions and make navigating the financial aid process easier.</p><div class=accordion__group><div class=accordion> <button class=accordion__toggle>College Planning and Student Loans</button><div class=accordion__content><div class=accordion__interior><p>Use the resources listed below to assist you with college planning and student loans.</p><ul> <li>U.S. Department of Labor’s <a href=http://www.bls.gov/ooh/ >Occupational Outlook Handbook</a></li> <li><a href=https://learnmoreindiana.org/college>Learn More Indiana – College Planning</a></li> <li><a href=https://www.consumerfinance.gov/paying-for-college/ rel=noopener>Paying for College</a> – Consumer Financial Protection Bureau (CFPB) information on financial offers, loans and more</li></ul></div></div></div><div class=accordion> <button class=accordion__toggle>Finance and Money</button><div class=accordion__content><div class=accordion__interior><ul> <li><a href=http://www.mymoney.gov/Pages/default.aspx>MyMoney.gov</a> is the U.S. government’s website dedicated to teaching all Americans the basics of finance and money</li> <li>The <a href=http://www.themintgrad.org/ >mintGRAD</a> guides you to be money smart and financially fit</li></ul></div></div></div><div class=accordion> <button class=accordion__toggle>Department of Education Repayment Videos</button><div class=accordion__content><div class=accordion__interior><ul> <li><a href="https://www.youtube.com/watch?v=mTHtn0FRMWw&feature=c4-overview-vl&list=PL5164CE4355C66FCB">Responsible Borrowing</a></li> <li><a href="https://www.youtube.com/watch?v=oJHySMdXjxE">Repayment: What to Expect</a></li> <li><a href="https://www.youtube.com/watch?v=flG4gFIiZzU&feature=c4-overview-vl&list=PL5C43A3FD801FDF45">How to Manage Your Student Loans</a></li> <li><a href="https://www.youtube.com/watch?v=Nqs0CvY-PmI&list=PL5C43A3FD801FDF45&index=1">Student Loan Repayment Options</a></li></ul></div></div></div></div></div></div></main><footer class=footer id=footer><div class=footer__top> <a href=/ class=footer__logo>Purdue University Northwest</a><div class=footer__grid><div class=footer__grid__item><div class=footer__address__group><div class=footer__address><p><strong>Hammond Campus</strong><br> 2200 169th Street<br> Hammond, IN 46323<br> (219) 989-2400<br> (855) 608-4600</p> <a href=https://www.pnw.edu/getting-to-pnw/visiting/driving-directions-hammond-campus/ class=footer__address__link> Hammond </a></div><div class=footer__address><p><strong>Westville Campus</strong><br> 1401 S. 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