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Wolemba Ngongole Wachinsinsi Wophunzira Wothandizira Imfa kapena Kusokonekera, Kuchotsedwa kwa Lumala, ndi Thandizo pa Sukulu Yotsekedwa

Kutsegula kalata yochokera kwa wobwereketsa ngongole ya ophunzira omwe akufuna kubweza ngongole ya $45,000 nthawi yomweyo, patangopita milungu ingapo kholo lanu kapena agogo omwe adasaina atamwalira kapena kusungitsa Chaputala 7, kapena kuvulazidwa mwadzidzidzi, matenda a khansa, kapena kugwa mwadzidzidzi ndikutseka kwa ngongole ya ophunzira anu ku koleji mkati mwa semesita imodzi. kugwedezeka kwachuma. Kwa zaka zambiri, zolemba zobwereketsa zachinsinsi za ophunzira zachinsinsi zinali zobisika ** "zosintha zokha" (ipso facto) ziganizo zowonjezera** zomwe zinkalola obwereketsa kulengeza kuti wobwereketsayo atalephera kubweza ngongoleyo panthawi yomwe munthu amene amasaina nawo ngongole atamwalira kapena kulengeza kuti walephera kubweza ngongole, ngakhale pamene wophunzirayo anali atalipira mwezi uliwonse pa nthawi yake ndipo anali atalembetsabe makalasi. Nthawi yomweyo, obwereketsa masauzande ambiri omwe akudwala matenda opunduka kapena omwe koleji yawo imatseka popanda chenjezo molakwika amaloleza kulolera kwanthawi yayitali kapena kutenga ngongole zobweza chiwongola dzanja chachikulu, mosazindikira akutaya ufulu wawo wokhazikitsidwa ndi ** 100% yochotsa ngongole ku federal ** pansi pa Higher Education Act (20 U.S.C. Section 1087).

Lamulo la Federal tsopano likupereka zishango zamphamvu zovomerezeka pazovuta zonse zinayi zangongole za ophunzira. Pansi Ndime 601 ya Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174, kukonza Choonadi pa Kubwereketsa Act ku 15 U.S.C. Section 1650(g)), Congress kwanthawizonse inaletsa ngongole ya ophunzira achinsinsi atamwalira kapena bankirapuse kwa yemwe wasayina nawo pa ngongole zomwe zidayamba Novembala 2018 ndikuwongolera Consumer Financial Protection Bureau (CFPB) kwa apolisi ochitira nkhanza pa zolemba zakale. Pansi Internal Revenue Code Gawo 108(f)(5), Congress idachotsanso "bomba la msonkho" lomwe boma limalandira pa ngongole za ophunzira zomwe zatulutsidwa chifukwa cha imfa kapena Chilemala Chonse ndi Chokhazikika (TPD), kutanthauza kuti wobwereka wolumala kapena makolo omwe akumva chisoni a wophunzira wamwalirayo sadzalandira bilu yamisonkho ya IRS Fomu 1099-C pamabanki okhululukidwa. Kaya mukukumana ndi imfa ya munthu amene wasaina nawo kapena wobwereketsa, kulumala kwambiri, kapena kutsekedwa kwadzidzidzi ku koleji, tsatirani ndondomekoyi kuti muyimitse zosonkhanitsidwa ndikukupemphani kuti muchotse ufulu wanu.

Chitani izi tsopano

  1. ** Dziwani ngati ngongole iliyonse ndi Ngongole ya Federal Title IV (Direct Subsidized/Unsubsidized, Parent PLUS, Grad PLUS) kapena Ngongole Yophunzira Payekha (Sallie Mae, SoFi, College Ave, Discover, Citizens, Earnest).** Lowani ku StudentAid.gov yokhala ndi FSA ID ya wobwereka pakali pano: ngongole iliyonse yomwe yalembedwa pa StudentAid.gov dashboard ndi ngongole ya Ophunzira a Federal yoyendetsedwa ndi lamulo loletsa maphunziro apamwamba. Ngongole iliyonse ya ophunzira yomwe imapezeka pa Equifax, Experian, kapena TransUnion credit report (AnnualCreditReport.com) koma kodi OSATI amawonekera StudentAid.gov ndi Ngongole ya Ophunzira Payekha yoyendetsedwa ndi Chowonadi mu Lending Act (TILA) ndi lonjezo lanu.
  2. Ngati Wolembetsa Wobwereketsa Wophunzira Payekha atamwalira kapena kusungitsa ndalama: MUSAMAvomereze kubwezanso ndalama kapena kulipira ndalama zofulumizitsa, ndikuyitanitsa. 15 U.S.C. Section 1650(g) polemba. Ngati wogwira ntchito wamba atumiza chidziwitso chonena kuti ngongole yanu ndi "chosakhazikika" kapena akufuna kuti wina asayinire chifukwa yemwe wasainani chifukwa wamwalira kapena wapereka chigamulo cha Kubweza Chaputala 7/13, tumizani kalata yotsimikizika yotsutsana yotchula Ndime 601 ya Kukula kwa Economic, Regulatory Relief, and Consumer Protection Act (15 U.S.C. Section 1650(g)(1)), zomwe zimapangitsa kuti zikhale zoletsedwa kwa wobwereketsa wapayekha kulengeza kuti walephera kapena kufulumizitsa ngongole chifukwa cha imfa kapena kulephera kwa munthu amene wasayina nawo, ndikukadandaula nthawi yomweyo ndi CFPB (consumerfinance.gov/complaint).
  3. Ngati Wobwereketsa Wophunzira amwalira (kapena ngati wobwereketsa Kholo amwalira pa Ngongole ya Federal Parent PLUS): perekani chikalata chotsimikizika cha Satifiketi ya Imfa kuti muyambitse 100% Statutory Death Discharge (34 CFR 685.212(a)).
  4. ** Ngongole Zaboma (kuphatikiza Ngongole za Makolo PLUS)**: Pansi 20 U.S.C. Section 1087(a)(1) ndi 34 CFR 685.212(a), 100% ya ngongole ya ophunzira ku federal imaperekedwa kwamuyaya pakamwalira wobwereka wophunzira. Chofunika koposa, ngongole ya **Federal Parent PLUS Ngongole imachotsedwa 100% ngati KENAKO wobwereketsa wamwalira KAPENA wophunzira yemwe kholo lake adabwereka ngongoleyo akamwalira **, popanda msonkho wa federal.
  5. Ngongole Zaumwini: Pansi pa 15 U.S.C. Section 1650(g)(2), obwereketsa ophunzira azinsinsi ayenera nthawi yomweyo ** kumasula wosainira ku ngongole zonse** ngati wobwereketsa wasukulu yoyamba amwalira (ndiponso obwereketsa achinsinsi amaperekanso chiwongolero cha imfa ngati wophunzirayo amwalira pa ngongole za cholowa).
  6. Ngati wobwerekayo ali ndi vuto lalikulu lakuthupi kapena m'maganizo: lembani nthawi yomweyo Federal Total and Permanent Disability (TPD) Kutulutsa pa DisabilityDischarge.gov (Nelnet / StudentAid.gov). Pansi pa malamulo osinthidwa a U.S. Department of Education (34 CFR 685.213), mukuyenerera kuchotsedwa kwa 100% kwa ngongole zonse za ophunzira ku federal ndi TEACH Grants (popanda msampha wakale wazaka 3 wowunika ndalama pambuyo pa kuchotsedwa) ngati mutakumana iliyonse mwa njira zitatu:
  7. ** VA Njira **: Kutsimikiza kuchokera ku U.S. Department of Veterans Affairs wa 100% wolumala wokhudzana ndi ntchito kapena Kusagwira Ntchito Payekha;
  8. Njira ya SSA: Kulandila Inshuwaransi Yolemala ya Social Security (SSDI) kapena Zowonjezera Zachitetezo (SSI) pansi pamagulu owunikiridwa azachipatala, malipiro achifundo, kapena zaka 5+ zaubwino wolumala;
  9. Njira Yotsimikizira Ufulu Wachidziwitso: Wovomerezeka Dokotala (MD / DO), Namwino Wothandizira (NP), Wothandizira Dokotala (PA), kapena Certified Psychologist amasaina chiphaso chachipatala cha TPD cha masamba a 2 chotsimikizira kufooka kwanu kwakuthupi kapena m'maganizo kumalepheretsa kuchitapo kanthu kopindulitsa ndipo kwatenga nthawi (kapena kukuyembekezeka kukhala) osachepera miyezi 60 yopitilira (zaka 5) kapena kufa.
  10. Ngati sukulu yanu yaku koleji kapena yamalonda idatsekedwa mwadzidzidzi pomwe mudalembetsa (kapena pasanathe masiku 180 mutachoka): MUSAMUTSIRE makhadi anu mpaka mutayang'ana 100% "Kuchotsedwa Kusukulu Yotsekedwa" (34 CFR 685.214). Ngati sukulu yanu yatseka ndipo simumaliza maphunzirowo kudzera mukuphunzitsa kapena kusamutsa ngongole, muli ndi ufulu wo**kuletsa 100% ngongole iliyonse ya federal Direct ndi PLUS yomwe munabwereketsa pasukuluyi, komanso kubweza ndalama zonse pa dola iliyonse yomwe mudalipira kale **, ndikubwezeretsanso moyo wanu wonse Kuyenerera kwa Pell Grant (LEU).
  11. Imitsani debit yokha (ACH) zolipira pa akaunti yobwereketsa yomwe yakhudzidwa nthawi yomweyo pomwe pempho lanu lakubweza likudikirira. Mukangopereka Satifiketi Yaimfa, TPD Disability Discharge application, kapena Closed School Discharge kwa wogwira ntchito m'boma lanu (MOHELA, Aidvantage, EdFinancial, Nelnet, kapena CRI), malamulo aboma amafuna kuti wogwira ntchitoyo ayike ngongolezo mu nthawi yomweyo yamasiku 60 mpaka 120 ya Administrative Forbearance, kuyimitsa mafoni onse olipira ndi otolera.

Zolakwa Zitatu Zosasinthika Zomwe Zimawononga Obwereketsa ndi Mabanja Makumi a Madola

  1. Osaperekanso Ngongole ya Federal Student Loan kapena Federal Parent PLUS Ngongole kukhala Ngongole ya Ophunzira Payekha (SoFi / Earnest / Laurel Road) pamene wobwereka kapena wosayinira mnzake akudwala, kukalamba, kapena wolumala. Mukangobwezanso ngongole ku federal ndi banki yachinsinsi, mumawonongeratu ufulu wanu walamulo ku Parent PLUS Death Discharge (ngati kholo kapena wophunzira amwalira), **Federal Total and Permanent Disability (TPD) Kutulutsa **, ** Kuchotsa Sukulu Yotsekedwa **, ** Chitetezo Chobwereka Kuti Abwezedwe , ndi ** Kubweza Moyendetsedwa ndi Ndalama (IDR / PSLF).
  2. *Musalole wokhometsa ngongole kunyengerera kholo lomwe lili ndi chisoni kuti alipire 'Good-Faith $50 Payment' pa ngongole ya mwana wakufa yomwe sanasayinidwe. Osonkhetsa osakhulupirika nthawi zina amatcha makolo achisoni akufunsa "malipiro achikumbutso" ang'onoang'ono kapena lonjezo lolembedwa kuti alipire kuti anene kuti kholo lidatenga ngongoleyo mwaufulu.
  3. Osavomereza kukoleji kotsekeka kwa 'Credit Transfer Deal' osayang'ana ngati kusamutsa 1 kapena 2 kusukulu yamaphunziro wamba kumasokoneza $50,000 Kusukulu Yotsekedwa. Pansi 34 CFR 685.214, ngati koleji yanu itatseka ndikuvomera kuphunzitsidwa kapena kusamutsa maphunzirowo kuti mumalize pulogalamu yofananira pasukulu ina, mutha **kutayitsa ufulu wanu wa 100% Yotseka Ngongole ya Sukulu **. Nthawi zonse werengerani ngati kuyamba mwatsopano ndi **$0 m'ngongole ya ophunzira komanso kubwezeredwa kwa Pell Grant ** ndikwabwino kwambiri pazachuma posamutsa mangongole ochepa pomwe mukusunga ngongole yonse.

Mtengo wachigamulo: Kubwereza kwazovuta za ngongole za ophunzira (Imfa, Kusokonekera, Kulumala, kapena Kutsekedwa kwa Sukulu)

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    CheckType --> CrisisBranch{"Ndi ziti mwazovuta zinayi zomwe zidachitika?"}

    CrisisBranch -->|"1. Co-Signer Anamwalira Kapena Kusungidwa Chaputala 7/13 (Wophunzira Akadali Moyo)"| CosignerPath["Chitetezo cha Ngongole Yachinsinsi: Pemphani TILA 15 U.S.C. 1650(g)(1) Kuletsa Kusakhazikika Mwadzidzidzi & Kuthamangitsa, Fayilo Yamadandaulo a CFPB Ngati Ikuwopsezedwa, ndi Pitirizani Kulipira Mwezi uliwonse"]

    CrisisBranch -->|"2. Wobwereka Wophunzira Anamwalira (Kapena Kholo Lamwalira Pa Ngongole Ya Makolo PLUS)"| DeathPath["Kutulutsidwa kwa Imfa Mwalamulo: Federal Direct & Parent PLUS (34 CFR 685.212) 100% Kuletsa Kwaulere; Ngongole Zachinsinsi (15 U.S.C. 1650(g)(2)) Tulutsani Co-Siigner"]

    CrisisBranch -->|"3. Wobwereka Anavutika Kwambiri Kwanthawi Yaitali Opunduka Mwathupi Kapena Mwamaganizo"| DisabilityPath["Total and Permanent Disability (TPD) Discharge: Ikani pa StudentAid.gov kudzera VA (100%), SSA (SSDI/SSI), kapena MD/DO/NP/PA/Psychologist 60-Month Certification"]

    CrisisBranch -->|"4. Koleji kapena Sukulu Yamalonda Yatsekedwa Mwadzidzidzi Kapena Yobera Wophunzira"| ClosedSchoolPath["Sukulu Yotsekedwa & Chitetezo Chobwereka: Lemberani 100% Kutsekedwa kwa Sukulu (34 CFR 685.214), File Borrower Defense (34 CFR 685.401), ndi Claim State STRF Refund"]

Gawo 1: Co-signer Imfa kapena bankirapuse pa ngongole ya ophunzira payekha: kuyimitsa "Auto-Default" yosaloledwa

Pafupifupi **90 peresenti ya ngongole za ophunzira omwe ali ndi digiri yoyamba ** zimafuna munthu wamkulu yemwe amasaina nawo ngongole (nthawi zambiri kholo, agogo, kapena mchimwene wake wamkulu). Chaka cha 2018 chisanafike, makontrakitala obwereketsa obwereketsa omwe anali ndi ** kubweza ndi kuthamangitsa imfa **: ngati wosayinayo amwalira kapena kusungitsa ndalama zake, makina apakompyuta aku banki amangowonetsa ngongoleyo monga ** nthawi yomweyo **, ngakhale wobwereketsa wazaka 21 anali asanaphonyepo kulipira. Wobwereketsayo angafune ndalama zonse zokwana $30,000 mpaka $100,000 zonse mkati mwa masiku 30, kuwononga ngongole ya wophunzirayo, ndikuwopseza milandu yotolera.

Momwe Federal Law (15 U.S.C. Section 1650(g)) Zimakutetezani Masiku Ano

Mu Meyi 2018, Congress idakhazikitsa ** Gawo 601 la Economic Growth, Regulatory Relief, and Consumer Protection Act (Public Law 115-174)**, yomwe idasintha Chowonadi mu Lending Act (TILA, 15 U.S.C. Gawo 1650(g)) kuyambira pa Novembara 20, 2018:

  1. Kuletsa Mtheradi pa Imfa ya Co-signer kapena Bankruptcy Auto-Default (15 U.S.C. 1650(g)(1)):
  2. "Wobwereketsa wabizinesi sanganene kuti walephera kubweza ngongole kapena kufulumizitsa ngongole ya ngongole yapayekha chifukwa cholephera kapena kumwalira kwa wosayinayo."
  3. Ngati kholo lanu kapena agogo amene munasaina nawo wamwalira kapena mafailo a Chaputala 7 kapena Chaputala 13, wobwereketsa sangathe kukufuna kuti akubwezereni zonse, sangathe kunena kuti ngongole yanu sinalipire ku Equifax/Experian/TransUnion, sangathe kukweza chiwongoladzanja chanu, ndipo sanga kukukakamizeni kuti mupeze munthu wosayina nawo watsopano. Ngongole yanu imapitilira pa nthawi yake yolipira pamwezi ndi inu nokha ngati wobwereketsa wotsala.
  4. Ngongole Zacholowa Zasaina ASANASIRI Novembala 20, 2018:
  5. Ngakhale ngongole za pre-2018, Consumer Financial Protection Bureau (CFPB) ndi a State Attorneys General apereka malangizo ochenjeza othandizira (Navient / MOHELA, Sallie Mae, Firstmark, AES, Launch Servicing) zomwe kuyitanitsa ziganizo zobisika zodziwikiratu kwa omwe akubwereketsa panopa zimapanga Mchitidwe Wopanda chilungamo, Wonyenga, kapena Wozunza (UDAAP)pansi12 U.S.C. Section 5531, ndipo pafupifupi onse obwereketsa azinsinsi asiya kugwiritsa ntchito njira zokhazikika pazotengera zomwe adatengera.
  6. Kutulutsidwa Kovomerezeka kwa Co-signer Ngati Wobwereketsa Wophunzira Woyamba Amwalira (15 U.S.C. 1650(g)(2)):
  7. Ngati tsoka ndi imfa ya wophunzira wobwereka , malamulo a federal (15 U.S.C. Section 1650(g)(2)) ilamula kuti "womwe ali ndi ngongole yamaphunziro azinsinsi azimasula pakanthawi koyenera kuti asayinire wina aliyense pa zomwe sayinidwa yemwe ali ndi ngongoleyo." Makolo kapena agogo omwe adasaina nawo ngongole ya ophunzira achinsinsi amamasulidwa mwalamulo kuti asamalipire khobiri limodzi ngati wophunzira wamwalira.

Kufananiza Tabu: Zomwe Zimachitika kwa Mtundu Wobwereketsa Wophunzira Aliyense Akamwalira, Bankruptcy, kapena Kulemala

Gulu la Ngongole Wobwereka Wophunzira Woyamba Amwalira Wobwereketsa Wamakolo Kapena Wosaina Amwalira Co-Signer Files Bankruptcy Wobwereketsa Wophunzira Amakhala Wopunduka Konse & Wolumala Konse (TPD)
** Ngongole za Federal Direct Subsidized & Unsubsidized (StudentAid.gov)** 100% Yachotsedwa (34 CFR 685.212(a)), $0 msonkho pansi IRC § 108(f) (Palibe co-signer alipo). N/A (ngongole za ophunzira za Federal Direct zilibe osayina nawo). N/A 100% Yachotsedwa (34 CFR 685.213), $0 msonkho wa federal; satifiketi kudzera pa VA, SSA, kapena MD/DO/NP/PA/Psychologist.
** Ngongole za Federal Parent PLUS (Zobwerekedwa ndi Kholo kwa Undergraduate)** 100% Yachotsedwa (20 U.S.C. 1087(a) & 34 CFR 685.212(a)(2)) wophunzira akamwalira; makolo ali ndi ngongole $0 ndi $0 msonkho wa federal. ** 100% Kutulutsidwa ** pa imfa ya kholo lobwereka; mwamuna kapena mkazi wake ndi wophunzira ngongole $0 ndi $0 msonkho wa federal. Makolo Chaputala 7/13 chimayambitsa kukhazikika; kutulutsidwa mu bankirapuse kudzera DOJ/ED Attestation Form pamavuto osayenerera (11 U.S.C. 523(a)(8)). Kutulutsidwa ngati Wobwereketsa Kholo Akhala Wolumala Kotheratu (Zindikirani: kulumala kwa wophunzira yekha sikumapereka ngongole ya Parent PLUS, ngakhale kholo lingathe kuphatikiza kukhala ICR/IDR).
** Ngongole za Ophunzira Payekha (Sallie Mae, SoFi, College Ave, Discover, Citizens, Earnest)** Co-Signer 100% Yotulutsidwa ndi Federal Law (15 U.S.C. 1650(g)(2); Ngongole yoyamba idachotsedwa ndi pafupifupi onse obwereketsa akuluakulu atalandira Satifiketi ya Imfa. Kusakhazikika Kwadzidzidzi Kuletsedwa ndi Federal Law (15 U.S.C. 1650(g)(1); Ngongole ipitilira pa ndandanda ya mwezi uliwonse m'dzina la wophunzira lokha. Kusakhazikika Kwadzidzidzi Kuletsedwa ndi Federal Law (15 U.S.C. 1650(g)(1); wosayina nawo wotetezedwa ndi bankirapuse kukhalabe pomwe wophunzira akupitiliza kulipira wamba. Ambiri obwereketsa achinsinsi (Sallie Mae, SoFi, College Ave, Discover, Citizens) perekani mgwirizano Compassionate TPD Loan Waiver kumasula ophunzira ndi osayina nawo pazatifiketi ya dokotala.
Ngongole za State-Agency & Institutional Campus (monga NJCLASS, MEFA, TX B-On-Time, University Perkins/Institutional) Yang'anani malamulo a boma: pambuyo pa kusintha kwa federal ndi mabilu okonzanso boma (mwachitsanzo, New Jersey S-769 kusintha kwa NJCLASS), ambiri tsopano akupereka ** Imfa & TPD Kutulutsa ** pa Imfa Satifiketi. Co-signer estate yatulutsidwa; wophunzira amapitiliza ndandanda yobwezera yanthawi zonse popanda kuthamangitsa. Zosasintha zokha ndizoletsedwa; wophunzira akupitiriza ndandanda wamba. Oyenera ku boma/mabungwe Kuchotsera Kwachilema Kwathunthu ndi Kwamuyaya pa chiphaso cha dokotala.

Gawo 2: Kufunsira kwa Federal Total and Permanent Disability (TPD) Kutulutsa

Ngati inu (kapena kholo lomwe muli ndi ngongole ya Parent PLUS) mukudwala kwambiri, kuvulala koopsa, matenda amisala, kapena kulepheretsa matenda amisala omwe amalepheretsa kugwira ntchito nthawi zonse, lembani Kulemala Kwathunthu ndi Kwamuyaya (TPD) Kutuluka (34 CFR 685.213), zomwe zimachotsa 100 peresenti ya Ngongole zanu za Federal Direct, Ngongole za FFEL, Ngongole za Perkins, ndi TEACH Grant zantchito yanu.

Kusintha 4 kwa Pro-Borrower Kukugwira Ntchito (34 CFR 685.213)

Mu 2023-2026, dipatimenti ya zamaphunziro ku US idasintha malamulo oyendetsera TPD kuti achotse misampha yomwe idasokoneza kale obwereketsa olumala:

  1. Kukulitsa Amene Angasaine Fomu Yanu Yotsimikizira Zachipatala:
  2. Fomu yanu ya TPD Discharge tsopano ikhoza kusainidwa ndi *Dokotala yemwe ali ndi chilolezo (MD kapena DO), ndi Namwino Wothandizira (NP), ndi Dokotala Wothandizira (PA), KAPENA ** Katswiri Wotsimikizika wa Zamaganizo pa digiri ya masters kapena udokotala.
  3. Kuchotsa Msampha wa Paperwork wa Zaka 3 Pambuyo Pochotsa "Kuwunika Ndalama":
  4. Zofunikira zakale zazaka zitatu zowunikira ndalama ndi kuthetsedwa kwathunthu. Ngongole zanu zibwezeredwa pokhapokha mutatenga dala ngongole ya ophunzira yatsopano kapena TEACH Grant pasanathe zaka 3 kuchokera kusukulu.
  5. 4 Automatic Social Security (SSA) Magulu Oyenerera:
  6. Kuphatikiza pa kufananiza kwa data kwa obwereketsa omwe Social Security Disability (SSDI kapena SSI) zizindikiro a Medical Improvement Not Expected (MINE) kubwereza zaka 5 mpaka 7, mumayenerera kudzera muzolemba za SSA ngati: (a) kubwereza kwanu kotsatira kuli zaka 3 ndipo mwalandira SSDI/SSI kwa osachepera zaka 5, (b) mudayeneretsedwa pansi pa Social Security Compassionate Allowance, kapena © tsiku lanu lolumala linali osachepera zaka 5 zapitazo.
  7. Zero Federal Income Tax (IRC Section 108(f)(5)):
  8. Pansi 26 U.S.C. Section 108(f)(5), ngongole za ophunzira (zonse ** federal NDI zachinsinsi**) zotulutsidwa chifukwa cha imfa kapena Total and Permanent Disability* sizikuphatikizidwa ku ndalama zonse zoyendetsera msonkho wa boma**.

Malangizo Pang'onopang'ono Kuti Mupereke Kutulutsa Kwanu kwa TPD Masiku Ano

  1. ** Tsitsani Paketi Yovomerezeka ya TPD pa StudentAid.gov/tpd (kapena DisabilityDischarge.gov)**:
  2. Imbani mzere wa U.S. Department of Education TPD Servicer ku 1-888-303-7818 kapena yambani kugwiritsa ntchito pa intaneti pa StudentAid.gov. Kuwadziwitsa kumayika 120-day Administrative Forbearance pa ngongole zanu zonse zaboma nthawi yomweyo.
  3. ** Zomwe Inu MD / DO / NP / PA / Psychologist Iyenera Kumaliza mu Gawo 4**:
  4. Dokotala wanu ayenera: (a) kuonetsetsa kuti kuwonongeka kwa thupi kapena maganizo kumalepheretsa ** "ntchito zopindulitsa kwambiri" **, (b) kufufuza kuti kuwonongeka ** kwakhalapo (kapena kuyenera kukhala) osachepera miyezi 60 yopitilira (zaka 5) kapena kuchititsa imfa **, ndi © lembani ziganizo 2 mpaka 3 pofotokoza zolephera zanu, kuima kwanu, kukhazikika, kukhazikika, malingaliro anu, malingaliro anu, malingaliro anu, malingaliro anu, malingaliro anu, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro, malingaliro. kugwira ntchito.
  5. Nthawi yomweyo Tumizani "Kufunsira kwa Ngongole Yachinsinsi ya Ophunzira Payekha ya TPD":
  6. Ngati muli ndi ngongole zachinsinsi ndi Sallie Mae, SoFi, Discover, College Ave, Citizens Bank, kapena Earnest, funsani Fomu Yawo Yobwereketsa Payekha Yobwereketsa Payekha ndi Fomu Yolemala Yosatha ** ndikuphatikiza chiphaso chanu chosainidwa ndi dokotala kapena kalata ya mphotho ya SSA.

Gawo 3: Kutsekedwa kwadzidzidzi kwa koleji: kudandaula 100% "Kutsekedwa kwa Sukulu Yotsekedwa" (34 CFR 685.214)

Koleji yapayekha yomwe ili ndi mavuto azachuma, sukulu yaukadaulo, pulogalamu ya unamwino, kapena sukulu yamalonda italengeza mwadzidzidzi kuti ikutaya kuvomerezeka ndikutseka zitseko zake kwamuyaya, makoleji oyandikana nawo nthawi zambiri amakhazikitsa "transfer fairs" m'mawa wotsatira akulimbikitsa ophunzira kuti asamuke nthawi yomweyo. Imani ndikuyendetsa manambala azandalama musanasaine pangano lililonse losamutsa.

Momwe Federal Adatsekera Kusukulu (34 CFR 685.214) Ntchito

Pansi 20 U.S.C. Section 1087(c) ndi 34 CFR 685.214, muli ndi ufulu wolandira 100 peresenti kubweza ngongole zonse za Federal Direct Subsidized, Ngongole Zachindunji Zopanda Ngongole, Direct PLUS Ngongole (Grad PLUS ndi Parent PLUS), ndi Perkins Loans zobwerekedwa kuti mukaphunzire kusukuluyi, kuphatikiza ** kubwezeredwa kwathunthu kwa ngongole zonse zomwe mudapanga kale ** ndi kubwezeredwa kwa moyo wanu wonse.LEU)**, ngati mwakwaniritsa mfundo zitatu:

  1. **Munalembetsa Sukulu Ikatsekedwa, KAPENA Munachoka Pakatha Masiku 180 Isanatseke **:
  2. Ngakhale mutaona zikwangwani zochenjeza ndikusiya **mpaka masiku 180 a kalendala tsiku lotsekera lisanafike ** (kapena kutalikirapo ngati atawonjezera ndi dipatimenti ya Maphunziro), ndiye kuti mukuyenerera.
  3. **Simunamalize Pulogalamuyi ku Sukulu Yotsekedwa **:
  4. Ngati munatsala pang'ono kumaliza maphunziro anu semesita imodzi pamene zitseko zatsekedwa, ndiye kuti mukuyenerera kubweza ngongole 100% nthawi yonse yomwe mudapitako.
  5. Lamulo Lofunika Kwambiri la "Teach-Out / Credit Transfer" Lili Pansi 34 CFR 685.214:
  6. Mukukhalabe oyenerera kupatsidwa **100% Yotsekeredwa Kusukulu Yotsekedwa ** pokhapokha mutamaliza pulogalamuyi kudzera **mgwirizano wamaphunziro okonzedwa ndi sukulu ** kapena kumaliza pulogalamu yofananira ku bungwe lina **mwa kusamutsa ndalama zomwe mwapeza kusukulu yotsekedwa **.
  7. Strategic Calculation: Ngati mudabwereka $40,000 m'ngongole zaboma ku koleji yomwe yangotseka kumene ndipo yunivesite yapafupi ikufuna kuvomera 9 mwa makhredithi 45 anu, kusamutsa ma credit 9 amenewo kukhala pulogalamu yofananira kukutayani ufulu wanu kuletsa ngongole ya \(40,000**. Kukana kusamutsa makirediti, kufuna kuti **100% Yotsekeredwa Kusukulu Yotsekedwa (\)40,000 yachotsedwa mpaka $0), ndipo kulembetsa mwatsopano kumapulumutsa $40,000 kuphatikiza chiwongola dzanja.
  8. Kubweza Ndalama Zakunja Kwa Pocket kudzera pa "Student Tuition Recovery Fund" ya State Yanu (STRF)":
  9. Mayiko opitilira 30 aku US (kuphatikiza thumba la California BPPE Student Tuition Recovery Fund / STRF, Akaunti Yobwezera Maphunziro aku New York , Texas, Florida, Illinois, ndi Ontario's TCAF) sungani ndalama za boma kapena ma surety bond omwe amabweza ophunzira ndalama zolipirira maphunziro otuluka m'thumba komanso ngongole za ophunzira payekha sukulu yovomerezeka ikatseka. Lembani chiganizo ndi ** State Higher Education Licensing Agency (SHEEO) nthawi yomweyo.

Sungani Makopi Otsimikizika a Zolemba Zanu Zasukulu Yotsekedwa ndi Mgwirizano Wolembetsa

Koleji yotseka isanatseke ma seva ake olembetsa, tsitsani nthawi yomweyo ndikusindikiza zolemba zanu zosavomerezeka, Bursar Account Ledger, Kalata Yopereka Mphotho ya Financial Aid, ndi kabukhu la Course Syllabus. Kukhala ndi ma PDF kumatsimikizira masiku anu enieni olembetsa (within the 180-day window) ndi malipiro akunja kwa State Tuition Recovery Fund (STRF) zobweza ndalama.

Gawo 4: Kalata yotsutsana yoletsa kubwereketsa kwachinsinsi

** Tumizani kudzera pa Imelo Yotsimikizika (Kubweza Chiphaso Kwafunsidwa) & Kwezani ku Servicer Portal
Ku:** [Private Student Loan Servicer Name], Attn: Specialty Servicing / Credit Dispute & Executive Escalation
**Re: ** Nambala ya Akaunti [Loan #]: Kuletsa Kwachilamulo pa Co-Signer Death/Bankruptcy Default & Acceleration Motsatira 15 U.S.C. Gawo 1650(g)

"Wokondedwa Wothandizira Ngongole: Ndine wophunzira wobwereketsa pa Private Education Loan Account #[Number]. Ndikulemba za [imfa / Mutu 7 kapena 13 bankruptcy fileling] yaposachedwa ya munthu amene ndasaina nawo, [Co-Signer Full Name], pa [Date]. Chonde dziwani kuti motsatira Section 601 of the Ecogulatory Consugulatory, Reefnogulatory Reefno (Public Law 115-174), yolembedwa mu Truth in Lending Act pa 15 U.S.C Section 1650(g)(1), ndi Consumer Financial Protection Bureau (CFPB) upangiri wokhudza kasamalidwe kopanda chilungamo ndi kozunza (12 U.S.C. Gawo 1) ndi woletsedwa kusukulu Ndime 553 yoletsedwa kusaina, kufulumizitsa ngongole, kusintha chiwongoladzanja, kapena kupereka lipoti lonyozeka langongole pamaziko okha a imfa kapena kulephera kwa munthu amene wasayina nawo ngongoleyo Akaunti yanga ndi yaposachedwa komanso ili bwino, ndipo ndipitiliza kubweza ndalama zomwe ndakonza pamwezi pa nthawi yake. kufulumizitsa, ndi kuti palibe malipoti olakwika omwe angatumizidwe ku Equifax, Experian, kapena TransUnion."

Nambala zangozi zachigawo ndi ndondomeko za bungwe

Dziko / Chigawo Federal Student Loan Discharge Agency Banking / Private Lender Consumer Ombudsman Malamulo Ovomerezeka a Imfa ndi Olemala
United States U.S. Dipatimenti ya Maphunziro a Federal Student Aid (StudentAid.gov):
** TPD Servicer**: 1-888-303-7818
FSA Ombudsman: 1-800-433-3243		 Consumer Financial Protection Bureau (CFPB):*1-855-411-2372**(consumerfinance.gov/complaint) Imfa (34 CFR 685.212), TPD (34 CFR 685.213), Sukulu Yatsekedwa (34 CFR 685.214), Chitetezo cha Private Co-signer (15 U.S.C. 1650(g)), Kwaulere (IRC Section 108(f)(5))
Canada National Student Loans Service Center (NSLSC):*1-888-815-4514**(csnpe-nslsc.canada.ca) Financial Consumer Agency ku Canada (FCAC):1-866-461-3222* & Banki Ombudsman (OBSI) Lamulo la Thandizo la Ndalama za Ophunzira ku Canada (CSFA Phindu Lachilemala Chosatha & Kuletsa Imfa Yobwereka): 100% kuthetsedwa kwa ngongole za federal ndi zigawo
United Kingdom ** Kampani Yobwereketsa Ophunzira (SLC)**:0300 100 0601* (England), 0300 100 0609 (Scotland SAAS), 0300 200 4050 (Wales) Financial Ombudsman Service (FOS):0800 023 4567* Maphunziro (Ngongole Za Ophunzira) (Kubweza) (Kubweza): Zodziwikiratu **100% kuletsa ngongole pakamwalira wobwereka ** kapena ngati wobwereketsa akhala wosayenera kugwira ntchito
European Union National Student Finance Ministries (BAföG ku Germany; DUO ku Netherlands; CROUS ku France) ** European Consumer Centers Network (ECC-Net)** & National Banking Ombudsmen ** German BAföG Section 18b / Dutch DUO**: Kuchotsedwa mwalamulo kwa ngongole ya ophunzira aboma atamwalira wobwereka kapena kulumala kwakanthawi
Australia & New Zealand Australia ATO (HECS-HELP):*13 28 61
NZ StudyLink / Inland Revenue**: 0800 778 008		 ** Australian Financial Complaints Authority (AFCA)**:1800 931 678* Australia HECS-HELP: Ngongole yotsalayo ndi 100% inazimitsidwa pa imfa ** pambuyo pakuyesa komaliza kwa msonkho; ** Ntchito Yoteteza Maphunziro (TPS Australia) imakhudza makoleji otsekedwa (1300 980 434)
India & Asia-Pacific **Unduna wa Maphunziro PM-Vidyalaxmi / Indian Banks' Association (IBA) Ndondomeko ** Reserve Bank of IndiaRBI) Integrated Ombudsman (cms.rbi.org.in):14448* Chitsimikizo cha Ngongole ya Ngongole ya Maphunziro a IBA Model (CGFSEL) + Group Credit Life Insurance yophimba imfa kapena kulumala kosatha

Mafunso omwe amafunsidwa pafupipafupi

Mwana wanga akamwalira ndipo ndidatenga Ngongole ya Federal Parent PLUS m'dzina langa kuti ndilipire koleji yawo, kodi ndiyenera kubweza Ngongole ya Parent PLUS?

No. Pansi pa Ndime 437(a) ya Lamulo la Maphunziro Apamwamba (20 U.S.C. Gawo 1087(a)(1)) ndi 34 CFR 685.212(a)(2), Federal Parent PLUS Ngongole imachotsedwa 100 peresenti ngati KAYA wobwereka kholo amwalira KAPENA kholo lake linamubwereketsa. Zomwe muyenera kuchita ndikutumiza kopi yotsimikizika kapena kusanthula molondola kwa Satifiketi ya Imfa kwa wothandizira ngongole ku federal. Kuphatikiza apo, pansi pa Internal Revenue Code Gawo 108(f)(5), ndalama zolipirira Parent PLUS ndizopanda 100 peresenti ku msonkho wa boma, kotero simudzalandila msonkho wa IRS pangongole yomwe yathetsedwa.

Nanga bwanji ngati kholo langa lidasainanso ngongole yanga yachinsinsi ya ophunzira ndipo ndikufuna kuwachotsa ali wathanzi: Kodi "Co-Signer Release" imagwira ntchito bwanji?

Zolemba zambiri zolonjezedwa za ngongole za ophunzira achinsinsi zimaphatikizapo njira ya Co-Signer Release yomwe wabwereketsa akamaliza maphunziro awo ndipo amapanga 12 mpaka 48 motsatizana, kulipira nthawi yake pamwezi ndi chiwongola dzanja ndikupereka cheke chodziyimira pawokha komanso cheke cholembera ngongole. Komabe, obwereketsa ngongole zachinsinsi nthawi zambiri amasokoneza kuyenera kwa kutulutsidwa kwa omwe asayina nawo popereka ndalama zowonjezera monga "zolipiridwatu" m'malo mowerengera motsatizana kauntala pamwezi, kapena kukana kumasulidwa ngati munagwiritsa ntchito mwezi umodzi woleza mtima. Nthawi zonse perekani pempho lolembedwa lolangiza wogwira ntchito momwe angawerengere malipiro a Co-Signer Release.

Ngati ndilandira Chiwongola dzanja cha Total and Permanent Disability (TPD) pa ngongole za ophunzira anga, kodi ndikuletsedwa kugwiranso ntchito yaganyu?

Ayi. Dipatimenti ya zamaphunziro ku U.S. itasintha 34 CFR 685.213 mu Julayi 2023, idathetsa lamulo lakale loyang'anira ndalama zomwe zachitika pambuyo pa kuchotsedwa kwazaka zitatu zomwe zinkaletsa kuchotsedwa kwa TPD ngati wobwereka wolumala adapeza ndalama zambiri kuposa umphawi kapena akalephera kutumiza fomu yolandila pachaka. Lero, kuchotsedwa kwanu kwa TPD kuvomerezedwa, ngongole zanu zithetsedwa kwamuyaya ndipo ZIDZAbwezeretsedwa POKHALA ngati mutapempha modzifunira ndi kulandira ngongole yatsopano ya federal Direct Student Loan kapena TEACH Grant mkati mwa zaka 3 kuchokera tsiku lotulutsidwa.

Kodi ngongole za ophunzira zitha kuchotsedwa mu Chaputala 7 kapena Chaputala 13 ngati NDINALI wolumala?

Inde, ndipo zakhala zophweka kuyambira Novembara 2022. Ngakhale Gawo 523(a)(8) la U.S. Bankruptcy Code likufuna kutsimikizira "zovuta zosafunikira" mdani yemwe akufuna kubweza ngongole za ophunzira kapena oyenerera, U.S. Department of Justice (DOJ) ndi U.S. Department of Education ndalama zapano motsutsana ndi IRS National Standards, kulola maloya a DOJ kunena za kubweza kwathunthu kapena pang'ono pamilandu yoyenerera popanda milandu yodula. Kuphatikiza apo, ngongole zachinsinsi zomwe zidaposa Mtengo Wotsimikizika Wopezeka pasukuluyo kapena zomwe zidagwiritsidwa ntchito pamakampu oyambira omwe si a Title-IV kapena maphunziro a bala sizitetezedwa ndi 11 U.S.C. 523 (a) (8) ndipo atha kutulutsidwa mumutu 7 wamba.

Koleji yanga sinatsekeretu, koma idandinamiza za kuchuluka kwa ntchito, ziphaso zamalayisensi, kapena kuvomerezeka. Kodi ndingachotsedwe ngongole zanga?

Inde. Ngati koleji, yunivesite, kapena sukulu yamalonda ikuchita zabodza, kuphwanya mgwirizano, kapena kulembera anthu mwachinyengo ponena za mitengo yake yomaliza maphunziro, ziwerengero za malo ogwira ntchito, zotsatira za malipiro, kusamutsidwa kwa ngongole, kapena kuyenerera kwa chilolezo cha akatswiri, mukhoza kulembetsa fomu yofunsira Borrower Defense kuti Abwezedwe (34 CFR 685. Kulemba fomu yofunsira Borrower Defense kumapangitsa kuti ngongole zanu zisamayende bwino pakanthawi pomwe dipatimenti yamaphunziro imafufuza ndikuweruza kuti 100 peresenti yaletsa ngongole.

Maupangiri ogwirizana

Magwero ndi malangizo ovomerezeka

  • U.S. Congress & Consumer Financial Protection Bureau (CFPB): Economic Growth, Regulatory Relief, and Consumer Protection Act, Gawo 601 (Public Law 115-174, Amend the Truth in Lending Act at 15 U.S.C. Gawo 1650(g): Prohibition Default of Private Education or Private Education or Private Acceleration Cosigner ndi Kutulutsidwa Kovomerezeka kwa Cosigner Pa Imfa ya Wobwereka Wophunzira).
  • **U.S. Dipatimenti ya Maphunziro, Ofesi ya Federal Student Aid (StudentAid.gov) **: * William D. Ford Federal Direct Loan Program Discharge Regulations: 34 CFR Gawo 685.212 (Imfa Imfa, Kuphatikizapo Parent PLUS Ngongole), 34 CFR Gawo 685.213 (Total and Permanent Disability Discharge Regulations), 34 CFR Gawo 21 CFR 485 Sukulu 685, Discharge School. Gawo 685.401 (Kuteteza Wobwereka Kubweza)*.
  • Internal Revenue Service (IRS) & U.S. Treasury Department: Internal Revenue Code 26 U.S.C. Gawo 108(f)(5) (Kuchotsedwa pa Ndalama Zonse Zomwe Zachotsedwa M'ngongole ya Federal ndi Private Student Mongole pa Akaunti ya Imfa kapena Total ndi Chilemala Chosatha).
  • U.S. Department of Justice (DOJ) & U.S. Department of Education: Malangizo kwa Oimira M’madipatimenti Okhudza Mlandu Wolephera Kubwereketsa Ngongole ya Ophunzira (11 U.S.C. Gawo 523(a)(8) Njira Yokhazikika Yotsimikizira Kuvuta Kwambiri).
  • Kampani Yobwereketsa Za Ophunzira ku UK (SLC), Employment and Social Development Canada (CSFA Program), & Department of Education ku Australia (Tuition Protection Service/TPS): Kuletsa Ngongole ya Ophunzira Pamalamulo Ikamwalira kapena Kulumala Kosatha ndi Malamulo Oteteza Maphunziro Otsekedwa kwa Opereka Maphunziro.