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Akazvimiririra Chikwereti Chemudzidzi Co-Sigina Rufu kana Kubhuroka, Kuremara, uye Yakavharwa-Chikoro Rubatsiro

Kuvhura tsamba kubva kune akazvimirira mudzidzi anokwereta achikumbira kubhadharwa nekukasira, yakazara-yemwero yechikwereti che $45,000 mavhiki mashoma mushure mekunge mubereki wako kana sekuru naambuya vako vakasaina vashaya kana kumhan'arira kubhuroka kweChitsauko 7, kana kutarisana nekukuvara kwakangoerekana kwaitika, kuongororwa kenza, kana kudonha nekuvharwa kwekoreji yako ichiri pakati pemakore gumi echikwereti. kuvhunduka kwemari. Kwemakore, akavanzika echikwereti chemudzidzi manotsi evimbiso aive akavanzika ** "auto-default" (ipso facto) mashoko ekuwedzera ** aibvumira vanokweretesa kuti vazivise mudzidzi akakwereta nokukurumidza apo mumwe wavakasaina naye akafirwa kana kuti kunzi haana kubhuroka, kunyange apo mudzidzi akanga abhadhara mwedzi woga woga nenguva uye akanga achiri kunyoresa mumakirasi. Panguva imwe cheteyo, zviuru zvevakwereta vanotambura nechirwere chinoremadza zvachose kana kuti koreji inovhara pasina kunyeverwa zvisizvo vanopinda kwenguva refu kushivirira kana kutora zvikwereti zvekubhadhara mubereko mukuru, vachirasa kodzero yavo yepamutemo ku 100 muzana kubvisirwa chikwereti chemubatanidzwa pasi pe Dzidzo Yepamusoro Act (20 U.S.C. Section 1087).

Federal mutemo zvino unopa zvine simba pamutemo nhovo kune ese mana echikwereti chemudzidzi emergency. Pasi pe ** Chikamu 601 cheKukura Kwehupfumi, Regulatory Relief, uye Consumer Protection Act (Public Law 115-174, kugadzirisa Chokwadi muKukweretesa Act pa 15 U.S.C. Section 1650(g)), Congress zvachose ** yakarambidza chikwereti chemudzidzi chakazvimiririra parufu kana kubhuroka kweanosaina ** yezvikwereti zvakatanga muna Mbudzi 2018 uye yakaraira ** Consumer Financial Protection Bureau (CFPB) kumapurisa anoshandisa zvisizvo pamanotsi ekare enhaka. Pasi pe Internal Revenue Code Section 108(f)(5), Congress yakabvisawo mari yemubatanidzwa "mutero bhomba" pazvikwereti zvemudzidzi zvakabviswa nekuda kwe rufu kana Total uye Permanent Disability (TPD), zvichireva kuti mukwereti akaremara kana kuti vabereki vari kuchema vemudzidzi akafa havagamuchire IRS Form 1099-C yemutero bhiri pamasara akaregererwa. Kunyangwe iwe uri kutarisana nerufu rweanosaina kana mukwereti, kuremara kwakanyanya, kana kuvharwa kwekoreji kamwe kamwe, tevera iyi nhanho-ne-nhanho protocol kumisa kuunganidzwa uye kukumbira kodzero yako yemutemo yekuburitsa.

Ita izvi ikozvino

  1. ** Ziva kana chikwereti chega chega chiri cheFederal Title IV Chikwereti (Direct Subsidized/Unsubsidized, Parent PLUS, Grad PLUS) kana Chikwereti Chemudzidzi Chakavanzika (Sallie Mae, SoFi, College Ave, Discover, Citizens, Earnest).** Pinda ku StudentAid.gov neFSA ID yemukwereti izvozvi: chikwereti chese chakanyorwa pa StudentAid.gov dashboard i Federal Student Loan inodzorwa nemutemo wePamusoro Dzidzo Act kuburitswa. Chero chikwereti chemudzidzi chinoonekwa pane yako ** Equifax, Experian, kana TransUnion chikwereti repoti ** (AnnualCreditReport.com) asi NOT inoonekwa pairi StudentAid.gov i ** Chikwereti cheMudzidzi Wepachivande ** inotongwa neChokwadi muKukweretesa Act (TILA) uye tsamba yako yevimbiso.
  2. ** Kana Mudzidzi Wekukwereta Co-Signer akafa kana kumhan'arirwa kubhuroka: USAFUMA kubvuma kudzorera kana kubhadhara mari inokwidziridzwa, uye kukumbira. 15 U.S.C. Section 1650(g) mukunyora.** Kana mushandirwi akazvimiririra akatumira chiziviso chekuti chikwereti chako chiri mu "technical default" kana kuti anoda anotsiva co-signer nekuti wako-saina akafa kana kumhan'arira kubhuroka kweChitsauko 7/13, tumira tsamba yakasimbiswa yekupokana inotaura ** Chikamu 601 cheEconomic Growth, Regulatory Relief, uye Consumer Protection Act (15 U.S.C. Section 1650(g)(1))**, izvo zvinoita kuti zvive zvisiri pamutemo kuti mukweretesi akazvimirira ega ataure kuti akatadza kana kumhanyisa chikwereti chete nekuda kwekufa kana kubhuroka kweanosaina, uye kumhan'ara nekukasira ku CFPB (consumerfinance.gov/complaint).
  3. ** Kana Mukwereti weMudzidzi akafa (kana kana Mubereki akakwereta akafa paFederal Parent PLUS Chikwereti): tumira kopi yakasimbiswa yeChitupa cheRufu kuti utange 100% Statutory Death Discharge (34 CFR 685.212(a)).**
  4. ** Federal Zvikwereti (kusanganisira Mubereki PLUS Zvikwereti)**: Pasi 20 U.S.C. Section 1087(a)(1) uye 34 CFR 685.212(a), 100% yemubatanidzwa chikwereti chemudzidzi chinobviswa zvachose pakafa mudzidzi akakwereta. Zvakatonyanya kukosha ndezvokuti **Federal Parent PLUS Chikwereti chinobviswa zana kana ZVIMWE mubereki akakwereta akafa KANA mudzidzi akafa achimiririra mubereki **, aine zero federal income yemutero.
  5. Zvikwereti Zvakavanzika: Pasi 15 U.S.C. Section 1650(g)(2), vakweretesi vevadzidzi vakazvimirira vanofanirwa nekukasira ** kusunungura iye anosaina kubva pachikwereti chese ** kana mudzidzi wekutanga akakwereta akafa (uye vazhinji vanokweretesa vakazvimiririra vanopawo ruregerero rwerufu rwetsitsi kana mudzidzi akafa pazvikwereti zvenhaka).
  6. ** Kana mukwereti akaremara zvakanyanya mumuviri kana mupfungwa: nyorera nekukurumidza kune Federal Total uye Permanent Disability (TPD) Discharge at DisabilityDischarge.gov (Nelnet / StudentAid.gov).** Pasi pemitemo yakagadziridzwa yeU.S. Department of Education (34 CFR 685.213), unokodzera 100% kubviswa kwezvikwereti zvese zvemudzidzi zvemubatanidzwa uye DZIDZISA Grants (pasina makore matatu ekare epashure-kubvisa mari-yekutarisa musungo) kana ukasangana **chero IMWE ** yenzira nhatu:
  7. ** VA Pathway **: Kutsunga kubva kuU.S. Dhipatimendi reVeterans Affairs ye100% yebasa-yakabatana hurema kana Individual Kusashanda;
  8. SSA Pathway: Receipt yeSocial Security Disability Inishuwarenzi (SSDI) kana Supplemental Security Income (SSI) pasi pezvikamu zvakawedzerwa zveongororo yezvokurapa, mvumo yetsitsi, kana makore mashanu+ ekuremara;
  9. Healthcare Professional Certification Pathway: Ane rezinesi **Chiremba (MD / DO), Nurse Practitioner (NP), Chiremba Mubatsiri (PA), kana Certified Psychologist ** inosaina 2-peji TPD chitupa chekurapa chinosimbisa kukanganiswa kwako kwemuviri kana kwepfungwa kunodzivirira kuita kwakakura kunobatsira uye kwakagara (kana kunotarisirwa kugara) kanenge ** mwedzi makumi matanhatu inoenderera (makore mashanu) ** kana kuguma nerufu.
  10. ** Kana chikoro chako chekoreji kana chekutengesa chikangoerekana chavharwa iwe uchinyoresa (kana mukati memazuva zana nemakumi masere mushure mekunge wasiya): USAendesa kiredhiti yako kudzamara waongorora 100% "Yakavharwa Chikoro Kuburitswa" (34 CFR 685.214).** Kana chikoro chako chikadzima uye ukasapedza chirongwa ichocho kuburikidza nekudzidziswa-kunze kana kuendesa chikwereti, une kodzero ye **100% kudzima chikwereti chese cheFederal Direct uye PLUS chakakweretwa pachikoro ichocho, pamwe nekudzoserwa kwakazara kwedhora rega rawakatobhadhara , uye kudzoreredzwa kwehupenyu hwako ** Pell Grant Kukodzera (LEU).
  11. Misa otomatiki-debit (ACH) kubhadhara paakaundi yechikwereti yakakanganiswa pakarepo apo chikumbiro chako chekubvisirwa chiri kumirira. Paunongotumira Chitupa cheRufu, chikumbiro cheTPD Disability Discharge, kana chikumbiro cheKubvisa Chikoro Chakavharwa kumubatiri wako wehurumende (MOHELA, Aidvantage, EdFinancial, Nelnet, kana CRI), mitemo yemubatanidzwa inoda kuti mushandi aise zvikwereti mu**-pakarepo kubva pa60-kusvika-120-mazuva eku Administrative Forbearance**, kumisa kufona kwese kubhadharisa nekuunganidza.

Zvikanganiso Zvitatu Zvisingadzoreki Zvinodhura Vanokwereta uye Mhuri Makumi eZviuru zveMadhora

  1. ** Usambofa wakatsinhanisa Federal Mudzidzi Chikwereti kana Federal Parent PLUS Chikwereti muChikwereti Chemudzidzi Chakavanzika (SoFi / Earnest / Laurel Road) kana munhu anokwereta kana anosaina pamwe achirwara, kuchembera, kana kuremara.** Paunodzosera chikwereti chemubatanidzwa nebhangi rakazvimirira, unoparadza zvachose kodzero dzako dzemubatanidzwa dzeMubereki PLUS Rufu Rwabviswa (kana mubereki kana mudzidzi akafa), **Federal Total uye Permanent Disability (TPD) Discharge **, ** Yakavharwa Chikoro Kuburitswa **, ** Kudzivirirwa Kwemukwereti Kudzorera , uye ** Kubhadhara-Kunofambiswa Nemari (IDR / PSLF).
  2. Usambofa wakarega muteresi wechikwereti achinyengerera mubereki ari kuchema kuti abhadhare 'Good-Faith $50 Payment' pachikwereti chemwana chemushakabvu chisina kusainwa. Kana mudzidzi akatora chikwereti chemubatanidzwa kana chakazvimirira muzita rake oga pasina mubereki anosaina, vabereki havana** hapana mhosva yemutemo** yechikwereti ichocho mushure mekufa kwemudzidzi. Vateresi vasina kutendeseka dzimwe nguva vanodana vabereki vanochema vachikumbira "mubhadharo wechirangaridzo" chiduku kana vimbiso yakanyorwa yekubhadhara kuitira kuti mubereki atore chikwereti achizvidira.
  3. Usafe wakagamuchira yakavharwa yekoreji's high-pressure 'Credit Transfer Deal' usingatarise kana kuendesa 1 kana 2 kiredhiti-yedzidzo yeruzhinji inoshaya $50,000 yako Yakavharwa Chikoro Kuburitswa. Under 34 CFR 685.214, kana koreji yako ikavhara uye ukabvuma kudzidziswa-kunze kana kutamisa iwo makiredhiti kuti upedze chirongwa chakafanana pane chimwe chikoro, unogona **kurasikirwa nekodzero yako ye100% Yakavharwa Chikwereti Chekubvisa Chikoro **. Gara uchiverenga kana kutanga kutsva ne $0 muchikwereti chemudzidzi uye kudzoreredza kukodzera kwePell Grant kune mari yepamusoro kuendesa makiredhiti mashoma uchichengeta chikwereti chose.

Muti wesarudzo: Mudzidzi wechikwereti dambudziko triage (Rufu, Kubhuroka, Kuremara, kana Kuvharwa kweChikoro)

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    CheckType --> CrisisBranch{"Ndechipi chenjodzi ina chakaitika?"}

    CrisisBranch -->|"1. Co-Signer Akafa kana Kuiswa Chitsauko 7/13 Kubhuroka (Mudzidzi Achiri Mupenyu)"| CosignerPath["Dziviriro Yechikwereti Chakavanzika: Koka TILA 15 U.S.C. 1650(g)(1) Kurambidza Kuzvigadzika Kwega & Kukwirisa, Faira CFPB Chichemo Kana Zvichityisidzirwa, uye Ramba Kubhadhara Kwemwedzi"]

    CrisisBranch -->|"2. Mukwereti Wemudzidzi Akafa (Kana Mubereki Akafira Parent PLUS Chikwereti)"| DeathPath["Kuburitswa Kwerufu Kwemitemo: Federal Direct & Parent PLUS (34 CFR 685.212) 100% Kubviswa Kwemutero; Zvikwereti Zvakazvimiririra (15 U.S.C. 1650(g)(2)) Bvisa Co-signer"]

    CrisisBranch -->|"3. Mukwereti Akatambura Kuremara Kwenguva Yakareba Kwemuviri Kana Mupfungwa"| DisabilityPath["Total uye Permanent Disability (TPD) Discharge: Nyorera pa StudentAid.gov via VA (100%), SSA (SSDI/SSI), kana MD/DO/NP/PA/Psychologist 60-Mwedzi Certification"]

    CrisisBranch -->|"4. Koreji kana Chikoro Chekutengesa Chinobva Chavharwa Kana Kubiridzirwa Mudzidzi"| ClosedSchoolPath["Chikoro Chakavharwa & Kudzivirirwa Kwemukwereti: Nyorera 100% Yakavharwa Chikoro Kuburitswa (34 CFR 685.214), File Borrower Defense (34 CFR 685.401), uye Claim State STRF Refund"]

Chikamu chekutanga: Co-signer kufa kana kubhuroka pachikwereti chemudzidzi akazvimirira: kumisa zvisiri pamutemo "Auto-Default"

Anenge ** 90 muzana yezvikwereti zvevadzidzi vepasi pevadzidzi vakazvimiririra ** inoda munhu mukuru anosaina co-saina (kazhinji mubereki, sekuru, kana mukoma mukuru). Gore ra2018 risati rasvika, zvibvumirano zvechikwereti zvemudzidzi zvakazvimiririra zvaive ne ** insolvency uye kukurumidza kufa kwe clause : kana co-signer akafa kana kumhan'arira kubhuroka kwake, komputa yebhangi yakaratidza chikwereti ichi se pakarepo default **, kunyangwe mukwereti wemakore makumi maviri nerimwe asina kumbotadza kubhadhara. Mukweretesi aizoda mari yese ye$30 000 kusvika $100,000 yakazara mukati memazuva makumi matatu, kukanganisa chikwereti chemudzidzi, uye kutyisidzira mhosva dzekuunganidza.

Sei Federal Law (15 U.S.C. Section 1650(g)) Inokudzivirira Nhasi

Muna Chivabvu 2018, Congress yakamisa ** Chikamu 601 cheEconomic Growth, Regulatory Relief, uye Consumer Protection Act (Public Law 115-174)**, iyo yakagadziridza Truth in Lending Act (TILA, 15 U.S.C. Chikamu 1650(g)) kutanga musi wa20 Mbudzi 2018:

  1. ** Kurambidzwa zvachose pakufa kweCo-Sigina kana Bankruptcy Auto-Default (15 U.S.C. 1650(g)(1))**:
  2. "Mukweretesi wedzidzo akazvimirira haagone kuzivisa kutadza kana kumhanyisa chikwereti chechikwereti chedzidzo yakazvimirira nekuda kwekubhuroka kana kufa kweanosaina."
  3. Kana mubereki wako kana sekuru nasekuru vako vakasaina vakashaya kana mafaera eChitsauko 7 kana kuti Chitsauko 13 kubhuroka, mukweretesi haakwanise kuda kuti mubhadharwe zvizere, haakwanise kuzivisa chikwereti chako sechisina kubhadharwa kuEquifax/Experian/TransUnion, hachikwanisi kukwidza mubereko wako, uye haikona kukumanikidza kutsvaga mumwe mutsva anosaina. Chikwereti chako chinoenderera mberi pachirongwa chayo chekubhadhara pamwedzi newe sewe wega asara anokwereta.
  4. Zvikwereti Zvenhaka Zvakasainwa 20 Mbudzi asati asvika, 2018:
  5. Kunyangwe kune pre-2018 zvikwereti zvenhaka, iyo ** Consumer Financial Protection Bureau (CFPB)** uye State Attorneys General vakapa mirairo yambiro masevhisi (Navient / MOHELA, Sallie Mae, Firstmark, AES, Launch Servicing) iyo inodaidza yakavanzika auto-default clauses kune vari kukwereta ikozvino inoumba ** Yakashata, Inonyengedza, kana Abusive Act kana Maitiro (UDAAP)pasi12 U.S.C. Section 5531**, uye vangangove vese vakakweretesa vakazvimiririra vakaregedza auto-default yekumisikidza pane yavo legacy portfolio.
  6. ** Inosungirwa Co-Sigina Kuburitswa Kana Mudzidzi Wekutanga Mukwereti Afa (15 U.S.C. 1650(g)(2))**:
  7. Kana dambudziko iri ** rufu rwemudzidzi anokwereta , mutemo wemubatanidzwa (15 U.S.C. Section 1650(g)(2)) inorayira kuti "iye ane chikwereti chedzidzo yakazvimirira asunungure mukati menguva yakafanira chero anosaina kubva pazvisungo zveanosaina pasi pechikwereti." Vabereki kana vanasekuru vakasaina chikwereti chemudzidzi wega wega ** vanoburitswa zviri pamutemo kubva pakubhadhara sendi rimwe kana mudzidzi akafa.

Kuenzanisa Tafura: Chii Chinoitika kune Wese Mudzidzi Chikwereti Rudzi Parufu, Kubhuroka, kana Kuremara

Chikwereti Category Mukwereti Wechikoro Chepuraimari Anofa Mubereki Anokwereta kana Co-Siginer Anofa Co-Sigina Mafaira Kubhuroka Mukwereti Wemudzidzi Anove Akaremara Zvisingaperi (TPD)
** Federal Direct Subsidized & Unsubsidized Zvikwereti (StudentAid.gov)** 100% Yakabviswa (34 CFR 685.212(a)), $0 mutero bhiri pasi IRC § 108(f) (Hapana co-signer aripo). N/A (Federal Direct mudzidzi zvikwereti hazvina maco-signers). N/A 100% Yakabviswa (34 CFR 685.213), $0 federal tax bill; simbisa kuburikidza neVA, SSA, kana MD/DO/NP/PA/Psychologist.
Federal Parent PLUS Zvikwereti (Zvakakweretwa neMubereki kune Undergraduate) 100% Yakabviswa (20 U.S.C. 1087(a) & 34 CFR 685.212(a)(2)) pakafa mudzidzi; mubereki ane chikwereti $0 uye $0 federal tax. **100% Yakabviswa ** parufu rwemubereki anokwereta; Mudzimai asara uye chikwereti chemudzidzi $0 uye $0 federal tax. Chitsauko chevabereki 7/13 chinokonzeresa kugara; inogona kubviswa mukubhuroka kuburikidza neDOJ/ED Attestation Form yekuomerwa zvisina kufanira (11 U.S.C. 523(a)(8)) Kuregedzwa kana ** Mubereki Anokwereta ** akaremara zvachose uye zvachose (Cherechedza: kuremara kwe mudzidzi ega hakubvisi chikwereti cheParent PLUS, kunyangwe mubereki achigona kubatana kuita ICR/IDR).
Zvikwereti zveVadzidzi Vakazvimirira (Sallie Mae, SoFi, College Ave, Discover, Citizens, Earnest) ** Co-Signer 100% Yakaburitswa neFederal Law (15 U.S.C. 1650(g)(2))**; Chikwereti chekutanga chakabviswa nevakweretesi vese vakuru pavakawana Chitupa cheRufu. Auto-Default Yakarambidzwa neFederal Law (15 U.S.C. 1650(g)(1)); chikwereti chinoenderera pane yakajairwa pamwedzi purogiramu muzita remudzidzi chete. Auto-Default Yakarambidzwa neFederal Law (15 U.S.C. 1650(g)(1)); co-signer akachengetedzwa nekubhuroka kugara apo mudzidzi achienderera mberi nekubhadhara kwakajairika. Vazhinji vanokweretesa vakazvimirira vega (Sallie Mae, SoFi, College Ave, Discover, Citizens) kupa chibvumirano ** Tsitsi TPD Chikwereti Waiver ** ichisunungura vese mudzidzi uye co-signer pane chiremba chitupa.
State-Agency & Institutional Campus Zvikwereti (e.g., NJCLASS, MEFA, TX B-On-Nguva, University Perkins/Institutional) Tarisa zvakatemwa mamiriro ehurumende: mushure mekuvandudzwa kwemubatanidzwa uye mabhiri ekuvandudza nyika (semuenzaniso, New Jersey S-769 gadziriso yeNJCLASS), mazhinji zvino anopa ** Rufu & TPD Discharge ** pane Rufu Chitupa. Co-signer estate yakaburitswa; mudzidzi anoenderera neyakajairwa mubhadharo chirongwa pasina kukurumidza. Auto-default inorambidzwa; mudzidzi anoenderera neyakajairwa hurongwa. Inokodzera kuhurumende / sangano ** Total uye Permanent Disability Discharge ** pane chiremba chiziviso.

Chikamu chechipiri: Kunyorera Federal Total uye Permanent Disability (TPD) Discharge

Kana iwe (kana mubereki akabata chikwereti cheParent PLUS) ukaita chirwere chakanyanya chemuviri, kukuvara kwakanyanya, mamiriro etsinga, kana kuremadza chirwere chepfungwa chinotadzisa basa renguva yakazara, nyorera ku ** Kuremara Kwese uye Kusingaperi.TPD) Kubuda (34 CFR 685.213)**, inodzima 100 muzana yeFederal Direct Loans yako, FFEL Zvikwereti, Perkins Zvikwereti, uye DZIDZISA Grant sevhisi zvisungo.

Iwo mana Pro-Borrower Reforms in Effect (34 CFR 685.213)

Muna 2023-2026, Dhipatimendi reDzidzo reUS rakagadziridza mitemo yemubatanidzwa yeTPD yekubvisa misungo yehutongi iyo yakambokwirisa vakakwereta vakaremara:

  1. **Kuwedzera Kwekuti Ndiani Anogona Kusaina Fomu Rako Retifiketi Yekurapa **:
  2. Yako TPD Discharge fomu ikozvino inogona kusainwa neane rezinesi ** Chiremba (MD kana DO),Nurse Practitioner (NP),Chiremba Mubatsiri (PA), KANA ** Certified Psychologist pakiriniki master's kana doctoral level.
  3. Kubviswa kweMakore matatu Mushure-Kuburitswa "Income Monitoring" Paperwork Trap:
  4. Iyo yemakore matatu-yemakore-yekutarisa mari yekutarisa inodiwa ** yakabviswa zvachose **. Zvikwereti zvako zvinodzoserwa chete kana iwe ukazvipira kutora nyowani nyowani yemubatanidzwa chikwereti chemudzidzi kana DZIDZISA Grant mukati memakore matatu ekuburitswa.
  5. 4 Automatic Social Security (SSA) Zvikamu Zvikamu:
  6. Kuwedzera kune otomatiki data-kufananidza kune vanokwereta vane Social Security Disability (SSDI kana SSI) zviziviso zvinoisa a Medical Improvement Not Expected (MINE) ongororo yemakore mashanu kusvika manomwe, unokwanisa kuburikidza nemagwaro eSSA kana: (a) ongororo yako inotevera iri3 makore uye wagamuchira SSDI/SSI kwemakore mashanu, (b) wakakodzera pasi pe Social Security Compassionate Allowance, kana © zuva rako rekutanga hurema raive ** angangoita makore mashanu apfuura**.
  7. Zero Federal Income Tax (IRC Section 108(f)(5)):
  8. Under 26 U.S.C. Section 108(f)(5), zvikwereti zvevadzidzi (zvese ** federal NE zvakazvimiririra**) zvakabviswa nekuda kwe rufu kana Total uye Permanent Disabilityhazvibatanidzi kubva pamari yakawandisa yezvikonzero zvemutero wemubatanidzwa.

Nhanho-ne-Nhanho Mirayiridzo Kuisa Yako TPD Discharge Nhasi

  1. ** Dhawunirodha Yepamutemo TPD Chikumbiro Packet pa StudentAid.gov/tpd (kana DisabilityDischarge.gov)**:
  2. Fonera iyo U.S. Dhipatimendi reDzidzo TPD Servicer mutsara pa 1-888-303-7818 kana tanga application online pa StudentAid.gov. Kuvazivisa kunoisa 120-mazuva eku Administrative Forbearance pazvikwereti zvako zvese zvemubatanidzwa nekukurumidza.
  3. Chii Chako MD / DO / NP / PA / Psychologist Inofanira Kupedzwa muChikamu 4:
  4. Chiremba wako anofanira: (a) kutarisa kuti kukanganisa kwako mumuviri kana mupfungwa kunodzivirira ** "basa guru rinobatsira" **, (b) chengetedza kuti kukanganisa ** kwakagara (kana kuti kunotarisirwa kugara) kwemwedzi inoramba iine 60 (makore mashanu) kana kuguma nerufu **, uye © nyora 2 kusvika ku3 mitsara inotsanangura zvaunokwanisa kuita, kumira, kugarisana, chirevo chekugara, chirevo chemagariro kushanda.
  5. ** Panguva imwe chete Tumira "Chakavanzika Chemudzidzi Chikwereti Chine Tsitsi TPD Chikumbiro"**:
  6. Kana iwe uchibata zvikwereti zvepachivande ne **Sallie Mae, SoFi, Discover, College Ave, Citizens Bank, kana Earnest **, kumbira yavo ** Yakavanzika Chikwereti Chese uye Yechigarire Disability Discharge Form ** uye batanidza chiremba-chakasaina chitupa kana SSA mubairo tsamba.

Chikamu chechitatu: Kuvharwa kwekoroji kamwe kamwe: ichiti 100% "Kuvharwa KweChikoro Chekuvharwa" (34 CFR 685.214)

Kana koreji yakazvimiririra ine nhamo yemari, chikoro chehunyanzvi, chirongwa chehukoti, kana chikoro chekutengesa chikangoerekana chazivisa kuti chave kurasikirwa nemvumo uye kuvhara mikova zvachose, makoreji akavakidzana anowanzo gadzira "transfer fairs" mangwanani anotevera achikurudzira vadzidzi kuti vapinde mukati nekukasika. **Mira womhanya nhamba dzemari usati wasaina chero chibvumirano chekuchinja.

Iyo Federal Yakavhara Chikoro Kuburitswa (34 CFR 685.214) Mabasa

Pasi 20 U.S.C. Section 1087(c) uye 34 CFR 685.214, unekodzero ye ** zana muzana rekuburitswa kwezvose Federal Direct Subsidized Zvikwereti, Direct Unssubsidized Zvikwereti, Direct PLUS Zvikwereti (Grad PLUS uye Mubereki PLUS), uye Perkins Zvikwereti ** zvakakweretwa kuti uende kuchikoro ichocho, pamwe ne ** kudzoserwa kwakazara kwese kubhadharwa kwechikwereti kwawakatoita ** uye kudzoreredzwa kwehupenyu hwako ** Pedzero yeupenyuLEU)**, kana ukasangana nematanho matatu:

  1. **Wakanyoreswa Pakavharwa Chikoro, KANA Wakarega Mukati Mamazuva 180 Chisati Chavharwa **:
  2. Kunyangwe iwe ukaona zviratidzo zveyambiro uye ukabuda **kusvika 180 mazuva ekarenda zuva risati rasvika rekuvharwa kwepamutemo ** (kana kureba kana rakawedzerwa neDhipatimendi reDzidzo), unokodzera.
  3. **Hauna Kupedza Chirongwa paChikoro Chakavharwa **:
  4. Kana wanga wasara semester imwe chete yekupedza kudzidza pakakiiwa magonhi, unokodzera kubviswa chikwereti che100% panguva yese yawakapinda ikoko.
  5. ** Iyo Yakakosha "Dzidzisa-Kubuda / Chikwereti Kutamisa" Mutemo Pasi 34 CFR 685.214**:
  6. Iwe unoramba uchikodzera ku 100% Yakavharwa Chikoro Kuburitswa* kunze kwekunge wapedza chirongwa ichi kuburikidza ** yechikoro-yakarongerwa Teach-Out Agreement ** kana kupedza chirongwa chakafanana pane chimwe chikoro ** nekuendesa zvikwereti zvakawanwa pachikoro chakavharwa **.
  7. Strategic Calculation: Kana wakakwereta \(40,000 muzvikwereti zvemubatanidzwa** kukoreji ichangobva kuvharwa uye yunivhesiti iri pedyo ichikupa kugamuchira **9 pamakumi mana neshanu emakiredhiti**, kuendesa iwo makiredhiti mapfumbamwe muchirongwa chakafanana kunogona **kurasikirwa nekodzero yako yekukanzura chikwereti chemadhora makumi mana**. Kuramba kuendesa makiredhiti, tichida **100% Yako Yakavharwa Chikoro Chekubuditswa (\)40,000 yapukutwa kusvika ku $0), uye kunyoresa patsva kunochengetedza $40,000 pamwe nemubereko.
  8. ** Kudzora kunze-kwe-Pocket Cash Tuition kuburikidza neNyika Yako "Student Tuition Recovery Fund (STRF)":**
  9. Zvinopfuura makumi matatu eUS nyika (kusanganisira California's BPPE Student Tuition Recovery Fund / STRF, New York's **Tuition Reimbursement Account **, Texas, Florida, Illinois, uye Ontario's TCAF) chengetedza mari yeruvimbo yehurumende kana mabhondi ekuvimbisa anodzosera vadzidzi mari yechikoro chekunze-yehomwe uye zvikwereti zvevadzidzi zvakazvimirira kana chikoro chine rezenisi chavharwa. Isa chikumbiro ne State Higher Education Licensing Agency (SHEEO) pakarepo.

Chengetedza Makopi Akasimbiswa eChikoro Chako Chakavharwa Chinyorwa uye Kondirakiti Yekunyoresa

Isati yavhara koreji yavhara maseva ayo ekunyoresa, pakarepo dhawunirodha uye prinda yako isina pamutemo chinyorwa chedzidzo, Bursar Account Ledger, Financial Aid Award Letter, uye Course Syllabus catalog. Kuve nemakopi ePDF kunoratidza mazuva ako chaiwo ekunyoresa (within the 180-day window) uye kubhadhara-kunze kwehomwe yeHurumende Tuition Recovery Fund (STRF) mari yekukumbira.

Chikamu chechina: Verbatim gakava tsamba yekumisa yakavanzika chikwereti auto-default

** Tumira kuburikidza Netsamba Yakavimbiswa (Dzora Receipt Yakakumbirwa) & Rodha kuService Portal
Ku:** [Private Student Loan Servicer Name], Attn: Specialty Servicing / Credit Dispute & Executive Escalations
**Re: ** Nhamba yeakaundi [Loan #]: Kurambidzwa Kwemutemo paCo-Siigner Rufu/Kubhuroka Kugara & Kukwidziridza Zvichienderana ne15 U.S.C. Chikamu 1650(g)

"Wadiwa Mushandi weChikwereti: Ndini mudzidzi wekutanga anokwereta paPrivate Education Loan Account #[Nhamba]. Ndiri kunyora maererano ne[rufu/Chitsauko 7 kana 13 kubhuroka kufaira] kwemumwe wangu wandakasaina, [Co-Signer Full Name], pa[Date]. Ndokumbira utore chiziviso chiri pamutemo maererano ne Section 601 of the Econogulatory Consugulatory, Eco-Protection (Public Law 115-174), yakanyorwa muChokwadi muKukweretesa Act pa15 U.S.C. kusaina, kumhanyisa chikwereti, kugadzirisa mubereko, kana kushuma ruzivo rwechikwereti runozvidza pachikonzero chega cherufu kana kubhuroka kwemumwe munhu anosaina Akaundi yangu ndeye yazvino uye yakamira zvakanaka, uye ndicharamba ndichibhadhara mari yangu yandakaronga pamwedzi nenguva. kukwidziridza, uye kuti hapana kutaurwa kwechikwereti kwakashata kuchaendeswa kuEquifax, Experian, kana TransUnion."

Nhamba dzenharaunda dzechimbichimbi uye zvirongwa zveagency

Nyika / Nharaunda Federal Student Loan Discharge Agency Banking / Private Lender Consumer Ombudsman Mitemo yeKufa uye Kuremara Kuburitsa Mitemo
United States U.S. Dhipatimendi reDzidzo 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) Kufa (34 CFR 685.212), TPD (34 CFR 685.213), Chikoro Chakavharwa (34 CFR 685.214), Chakavanzika Co-Sigina Dziviriro (15 U.S.C. 1650(g)), Isina Mutero (IRC Section 108(f)(5))
Canada National Student Loans Service Center (NSLSC): 1-888-815-4514 (csnpe-nslsc.canada.ca) Financial Consumer Agency yeCanada (FCAC): 1-866-461-3222 & Banking Ombudsman (OBSI) Canada Mudzidzi Wemari Yekubatsira Mutemo (CSFA Benefit Yakanyanya Kuremara Yekuremara & Kukanzurwa Rufu rweMukwereti): 100% kubviswa kwezvikwereti zvemubatanidzwa uye zvepurovhinzi
Nyika dzakabatana ** Kambani yezvikwereti zvevadzidzi (SLC)**: 0300 100 0601 (England), 0300 100 0609 (Scotland SAAS), 0300 200 4050 (Wales) Financial Ombudsman Service (FOS): 0800 023 4567 ** Dzidzo (Zvikwereti zveMudzidzi) (Kudzorera) Mitemo **: Otomatiki **100% kudzima chikwereti parufu rwemukwereti ** kana kana mukwereti akave ** asina kukodzera zvachose kushanda **
European Union National Student Finance Ministries (BAföG muGermany; DUO muNetherlands; CROUS muFrance) European Consumer Centers Network (ECC-Net) & National Banking Ombudsmen ChiGerman BAföG Section 18b / Dutch DUO: Kudzimwa kwemutemo kwechikwereti chemudzidzi wehurumende parufu rwemukwereti kana kuremara kwenguva refu
Australia neNew Zealand Australia ATO (HECS-HELP): 13 28 61
NZ StudyLink / Inland Revenue: 0800 778 008		 Chiremera cheAustralia Chezvichemo Zvemari (AFCA): 1800 931 678 Australia HECS-HELP: Chikwereti chasara 100% chadzimwa parufu ** mushure mekupedzisira mutero wekudzorera mutero; ** Tuition Dziviriro Service (TPS Australia) inovhara makoreji akavharwa (1300 980 434)
India neAsia-Pacific **Bazi reDzidzo PM-Vidyalaxmi / Indian Banks' Association (IBA) Chirongwa ** Reserve Bank of India (RBI) Integrated Ombudsman (cms.rbi.org.in): 14448 IBA Model Education Loan Credit Guarantee (CGFSEL) + Group Credit Life Insurance inovhara rufu kana kuremara zvachose

Mibvunzo inowanzo bvunzwa

Kana mwana wangu akafa uye ini ndikatora Federal Parent PLUS Chikwereti muzita rangu kuti ndibhadhare koreji yavo, ndichiri kufanira kudzosera Mubereki PLUS Chikwereti?

Kwete. Pasi peChikamu 437(a) cheMutemo weDzidzo yepamusoro (20 U.S.C. Chikamu 1087(a)(1)) uye 34 CFR 685.212(a)(2), Federal Parent PLUS Chikwereti chinobviswa zana kana ZVIMWE mubereki akakwereta akafa KANA mubereki akakwereta. Zvese zvaunoda kuti uite kuendesa kopi yakasimbiswa kana scan chaiyo yeChitupa cheRufu kune wako federal loan servicer. Uye zvakare, pasi peInternal Revenue Code Chikamu 108 (f) (5), iyo Parent PLUS chiyero chakaburitswa izana muzana kubva pamutero wemubatanidzwa, saka haugamuchire mutero weIRS wechikwereti chakadzimwa.

Ko kana mubereki wangu akasaina chikwereti changu chemudzidzi akazvimirira uye ini ndichida kuvabvisa ivo vaine hutano: "Co-Signer Release" inoshanda sei?

Mazhinji akazvimirira echikwereti chemudzidzi manotsi anosanganisira chibvumirano cheCo-Signer Release sarudzo mushure mekunge mudzidzi atora chikwereti apedza kudzidza uye anoita gumi nemaviri kusvika makumi mana nemasere anoteedzana, nenguva-yemwedzi yekubhadhara mukuru-uye-chibereko uye akapasa kiredhiti yakamira uye chikwereti-ku-muhoro wekunyora pasi cheki. Zvisineyi, vanokweretesa vakazvimirira vanowanzokanganisa kuburitswa kwevatambi pamwe chete nekuwedzera mari se "inobhadharwa kumberi" pane kuverenga wakananga kune inoteedzana kaunda yepamwedzi, kana nekuramba kusunungurwa kana wakashandisa kana mwedzi umwe wekushivirira kwekutonga. Gara uchiendesa chikumbiro chakanyorwa zviri pamutemo uchiraira mushandi kuti angaverenge sei mubhadharo wakanangana neCo-Signer Release.

Kana ndikagamuchira Total and Permanent Disability (TPD) Discharge yezvikwereti zvangu zvemudzidzi zvemubatanidzwa, ndinorambidzwa here kushanda basa renguva pfupi zvakare?

Kwete. Dhipatimendi reDzidzo reU.S. parakagadziridza 34 CFR 685.213 muna Chikunguru 2023, rakabvisa zvachose mutemo wekare wemakore matatu wepashure pekubvisa mari waimbobvisa kuburitswa kweTPD kana mukwereti akaremara akawana mari iri pamusoro pehurombo kana kuti akatadza kutumira mufomu yemuhoro wepagore. Nhasi, kana kubvisirwa kwako kweTPD kwatenderwa, zvikwereti zvako zvakadzimwa zvachose uye ZVINONGODZWA CHETE kana ukanyorera nekuzvidira uye nekugashira nyowani yemubatanidzwa Direct Mudzidzi Chikwereti kana DZIDZISA Grant mukati memakore matatu kubva pazuva rekuburitswa.

Zvikwereti zvemudzidzi zvingambobviswa here muChitsauko 7 kana Chitsauko 13 kubhuroka kana NDISINA kuremara?

Hongu, uye zvave nyore zvikuru kubva muna Mbudzi 2022. Nepo Chikamu 523(a)(8) cheU.S. Bankruptcy Code chinoda kuratidza "kuomerwa zvisina kufanira" mumhandu ari kuenderera mberi nekubvisa zvikwereti zvevadzidzi vemubatanidzwa kana kuti vanokwanisa vakazvimirira, U.S. Department of Justice (DOJ) neU.S. Department of Education mari yazvino inopesana ne IRS National Standards, ichibvumira magweta eDOJ kuti ataure kuti azere kana chidimbu chekubhuroka mumatare edzimhosva pasina matare anodhura. Pamusoro pezvo, zvikwereti zvepachivande zvakapfuura Mutengo weKupinda wechikoro wakasimbiswa kana kuti wakashandiswa kune asiri-Chinyorwa-IV bootcamp kana kudzidza kwebhawa hazvidzivirirwe ne11 U.S.C. 523 (a) (8) uye inogona kuburitswa mune yakajairwa Chitsauko 7 kesi.

Koreji yangu haina kuvhara zvachose, asi yakandinyepera pamusoro pemitengo yekuiswa-basa, marezenisi ekupasa, kana kubvumidzwa. Ndingaita kuti zvikwereti zvangu zvikanzurwe here?

Ehe. Kana koreji, yunivhesiti, kana chikoro chekutengesa chichiita manyepo, kutyora kondirakiti, kana kupinza basa kwehunyengeri maererano nemazinga ekupedza kudzidza, nhamba dzekuiswa-basa, mibairo yemuhoro, kuchinjisa kiredhiti, kana kukodzera kwerezenisi rehunyanzvi, unogona kuisa chikumbiro cheMukwereti Dziviriro kuKudzorera (34 CFR 681685. Kuisa chikumbiro cheMukwereti Defence kunoisa zvikwereti zvako zvemubatanidzwa mukushivirira kwekutonga apo Dhipatimendi reDzidzo rinoongorora uye kutonga 100 muzana kubviswa kwechikwereti.

Mazano anoenderana

Nzvimbo uye nhungamiro yepamutemo

  • U.S. Congress & Consumer Financial Protection Bureau (CFPB): Economic Growth, Regulatory Relief, uye Consumer Protection Act, Chikamu 601 (Public Law 115-174, Kugadzirisa Chokwadi muLending Act pa15 U.S.C. Cosigner uye Zvinosungirwa Kuburitswa kweCosigner Parufu rweMudzidzi Anokwereta).
  • U.S. Dhipatimendi reDzidzo, Hofisi yeFederal Student Aid (StudentAid.gov): William D. Ford Federal Direct Loan Program Discharge Regulations: 34 CFR Chikamu 685.212 (Rufu Rwekusunungurwa, Kusanganisira Parent PLUS Zvikwereti), 34 CFR Chikamu 685.213 (Total uye Permanent Disability Discharge Mitemo), 34 CFR Chikamu 685 Chikoro 685, Chikoro cheCFR 685 Chikamu 685.401 (Kudzivirirwa Kwemukwereti Kudzorera).
  • Internal Revenue Service (IRS) & U.S. Treasury Department: Internal Revenue Code 26 U.S.C. Chikamu 108(f)(5) (Kubviswa paGross Income yeDicharged Federal and Private Student Chikwereti Chikwereti paAkaundi Yerufu kana Yese uye Yehurema Husingaperi).
  • U.S. Department of Justice (DOJ) & U.S. Department of Education: Nhungamiro Yemagweta eDhipatimendi NezveKubhuroka Kwekukweretwa Kwemudzidzi (11 U.S.C. Chikamu 523(a)(8) Yakamisikidzwa Undue Kuomerwa Kupupurira Matambudziko).
  • UK Student Loans Company (SLC), Employment and Social Development Canada (CSFA Program), & Australian Department of Education (Tuition Protection Service/ TPS): Statutory Kukanzurwa Chikwereti Chemudzidzi Parufu Kana Kuremara Kwechigarire uye Yakavharwa-Mupi Dziviriro Mitemo Yekudzivirira.