Loan Repayment Planning Worksheet

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1 Lan Repayment Planning Wrksheet Date: Think f yur federal student lans as yur EDUCATION MORTGAGE. It is the financing yu ve brrwed t make this imprtant investment in yurself. The gd news is that this mrtgage is flexible and shuld nt prevent yu frm being able t btain a cnventinal mrtgage t buy a hme if yu are STRATEGIC abut planning fr repayment f this unique frm f debt. Federal Student Lans (Direct/FFEL) are a very flexible and safe frm f credit. Yu shuld never have t miss a payment r default n FFEL/Direct Lan(s). Payment relief ptins exist (including pstpning repayment temprarily using a deferment r frbearance, r reducing yur mnthly payment) that prvide financial safety nets if yu are experiencing financial hardship. Simply cntact yur lan servicer BEFORE yu miss the scheduled payment and explain why yu need help. Payments can be less than 10% f yur husehld s mnthly Adjusted Grss Incme (AGI) if yu chse the repayment plan that wuld give yu the lwest pssible mnthly payment. Flexible payment ptins are available fr FFEL/Direct student lans including incme- driven repayment plans: Pay As Yu Earn (PAYE) Revised Pay As Yu Earn (REPAYE) Incme- Based Repayment (IBR) bth the new 10% ptin and the riginal 15% ptin Incme- Cntingent Repayment (ICR)] These incme- driven plans base yur mnthly lan payment n a percentage f yur husehld s adjusted grss incme (AGI), NOT the amunt f yur student lan debt. N ther frm f credit ffers this flexibility. As such, these incme- driven ptins can limit the pssible mnthly debt- t- incme rati impacts that culd reduce yur ability t brrw mney fr ther purpses such as buying a hme. Federal student lan debt culd be gne within 25 years r less even if it is nt fully repaid. Prtin f debt culd be frgiven if nt fully repaid if using an incme- driven repayment plan. Prtin f qualifying debt culd be frgiven in 10 years if wrking in a qualifying public service psitin. There are NO penalties fr prepayments n federal student lans. Yu have the right t make payments befre they are required r t pay extra amunts withut any penalty if yur gal is t reduce the ttal interest paid and/r t get the debt paid ff mre quickly. Remember, n ther frm f credit ffers this much chice, flexibility r financial safety during repayment. Cnsider hw yu can LEVERAGE the flexibility and financial safety nets built int yur federal student lans in rder t successfully repay yur educatinal debt withut sacrificing yur career aspiratins r pstpning the achievement f yur ther financial gals. Nte that it may nt be in yur best interest financially t pay ff yur federal student lans as fast as pssible if yu have better alternative uses fr yur extra funds frm an OPPORTUNITY COST perspective. Saving and/r investing thse extra funds fr the future culd be a better use f that mney due t the unique nature f federal student lans (FFEL/Direct). S be strategic! Think abut yur FINANCIAL GOALS and estimate yur mnthly BUDGET s that yu can determine hw much yu can affrd t pay n yur lans each mnth. Then use the fllwing fur steps t help develp yur lan repayment plan. SAVE TIME AND MONEY Sign up fr Aut- Pay The U.S. Department f Educatin currently ffers t reduce the interest rate by 0.25% n Direct Lans and any ther federal student lans it wns if yu sign up with yur lan servicer t have yur mnthly lan payments n these lans autmatically deducted frm a checking r savings accunt. Nte that all infrmatin prvided here is advisry and subject t change in federal law/federal regulatin. STEP 1. Review yur lan histry Yu shuld knw the fllwing infrmatin abut each student lan yu have brrwed: Type f student lan Interest rate Amunt wed (principal lan balance + accrued interest) Nte that interest is accruing as SIMPLE interest until lan enters/re- enters repayment- - it is nt cmpunding, i.e., interest is nt accruing n the accrued interest, while in schl. Accrued interest capitalizes (i.e., is added t principal lan balance) when lan enters/re- enters repayment. Lan servicer and hw t cntact them Date lan will enter r re- enter repayment and current status f the lan Available repayment ptins (if any) and hw much yu wuld have t pay each mnth under each available plan Yu can btain this infrmatin abut yur FEDERAL student lans frm the Natinal Student Lan Data System at: NSLDS.ed.gv. Check yur credit reprt at: Annual Credit Reprt.cm fr infrmatin abut any PRIVATE student lans yu may have brrwed.

2 STEP 2: Determine when repayment begins (Mre infrmatin is available at: StudentAid.gv and at StudentLans.gv.) Expected graduatin/separatin date: LOAN TYPE START OF REPAYMENT COMMENTS Direct Student/Staffrd AUTOMATIC 6- MONTH GRACE PERIOD befre lan repayment begins. (Subsidized and Unsubsidized) Grad PLUS Lans NO GRACE PERIOD. (1 st disbursed n/after 7/1/2008) Lan enters repayment when it is fully disbursed. It is in an autmatic in- schl deferment while yu are in schl. Lan becmes eligible fr an autmatic 6- mnth pst- enrllment DEFERMENT nce yu are n lnger enrlled at least half time t align repayment f the lan with that f the Direct/Staffrd Lans yu brrwed during the same perid f enrllment. Servicers currently are allwed t apply this pst- enrllment deferment autmatically (withut a request frm yu). Yu may want t cntact yur lan servicer just prir t graduatin t verify that yu will receive this deferment autmatically. Interest cntinues t accrue n yur Grad PLUS Lans as simple interest until the end f this deferment and then is capitalized (added t the principal lan balance). Perkins AUTOMATIC 9- MONTH GRACE PERIOD befre lan repayment begins. Als has 6- mnth pst- deferment grace perid (cntact servicer fr details). HPSL/LDS/NSL/PCL AUTOMATIC GRACE PERIOD OF mnths. Cnslidatin NO GRACE PERIOD. Lan enters repayment as sn as it is fully disbursed. It is in an autmatic in- schl deferment while yu are in schl. Repayment resumes n the lan when yu graduate and in- schl deferment ends. See belw fr payment relief ptins. Other federal Institutinal Private What if yu cannt affrd t make yur minimum mnthly lan payment? Yu shuld nt have t miss a mnthly payment n yur federal student lans. Payment relief ptins likely are available if yu cannt affrd t pay what is due. Yu must TAKE ACTION immediately cntact yur lan servicer befre yu miss the payment and explain why yu cannt affrd t make that payment. This will allw them t evaluate what ptin will best prvide the needed payment relief. If yu fllw all required steps in btaining payment relief it shuld nt negatively impact yur credit histry nr shuld it prevent yu frm getting payment relief at sme future pint in time, if needed. Cntact yur lan servicer(s) fr mre infrmatin. PAYMENT RELIEF OPTIONS Allws yu t: T apply: When t apply: Temprarily pstpne repayment r reduce the amunt yu are required t pay each mnth nce yur lan is in repayment, if eligible. DEFERMENT temprarily pstpnes mnthly payments, if eligible. Six deferment ptins currently are available t brrwers as f 7/1/2003. Subsidized lans typically are subsidized during perids f deferment. FORBEARANCE is an ptin when experiencing financial hardship if yu dn't qualify fr a deferment. Payments are pstpned r reduced. N interest subsidy. Chse r switch t a different repayment plan Fr example PAY AS YOU EARN (PAYE) r REVISED PAY AS YOU EARN (REPAYE) may prvide the payment relief yu need withut using deferment r frbearance if yur husehld adjusted grss incme (AGI) is lw. Yu may receive sme interest subsidy n subsidized Staffrd Lans if the amunt f yur required mnthly IBR, PAYE r REPAYE payment des nt cver all the interest accruing n yur subsidized Staffrd Lans during the first 3 cnsecutive years yu are in repayment. Cntact the lan servicer BEFORE yu miss a payment and explain WHY yu need payment relief t determine what ptin best meets yur needs. Cmplete required applicatin materials. Cntinue making required mnthly lan payments until ntified therwise by lan servicer. As sn as yu realize yu need payment relief (and befre yu miss a scheduled payment).

3 STEP 3: Estimate mnthly payments and select yur repayment plan (Mre infrmatin is available at: StudentLans.gv.) Estimate yur mnthly payments n yur federal student lans using the Repayment Estimatr at: StudentLans.gv. Lan servicer(s) will cntact yu days befre yur lan(s) are scheduled t enter/re- enter repayment with infrmatin abut the repayment ptins. Yu then must advise them what the plan yu want t use. If yu d nt d s, lans will be n the Standard 10- year (fixed) Repayment Plan. Yu have the right t change frm ne plan t anther at least every 12 mnths, if needed, by cntacting yur lan servicer(s). Yu have the right t make prepayments withut penalty. Cntact yur lan servicer(s) fr mre infrmatin. Based n DEBT Based n INCOME Fllwing chart describes the current repayment plans available fr repaying federal student lans. Mre details are available frm yur lan servicer(s). REPAYMENT PLANS Staffrd, Grad Plus, Cnslidatin Lans Standard - Fixed mnthly payments - Default plan Graduated - Graduated mnthly payments Extended Fixed - Fixed mnthly payments Extended Graduated - Graduated mnthly payments Pay As Yu Earn (PAYE) 1 - New Brrwers as f 10/1/07 - Direct Lans nly IBR fr New Brrwers 1 - New Brrwers as f 7/1/14 - Direct Lans nly Revised Pay As Yu Earn 1 (REPAYE) - Direct Lans nly Incme Based (IBR) 1 Incme Cntingent (ICR) 1 - Direct Lans nly MAXIMUM TERM 120 mnths (10 years) 120 mnths (10 years) 300 mnths 300 mnths 240 mnths* (20 years) 20 years is cancelled 300 mnths* 25 years is cancelled 300 mnths* 25 years is cancelled 300 mnths* 25 years is cancelled PLAN DESCRIPTION Fixed payments based n amrtizing ttal debt ver 120 mnths. Lans are n this plan until yu chse a different repayment plan. Results in the highest initial mnthly payment f all available plans but als has the lwest ttal amunt f interest paid. Payments are adjusted incrementally ver time based n amrtizing debt ver 120 mnths. Payments start ut lw, but ultimately are higher than under the Standard Plan. Fixed payments based n amrtizing ttal debt ver 300 mnths. Payments tend t be abut 30% less than under the Standard 10- year repayment plan. Payments are adjusted incrementally ver time based n amrtizing debt ver 300 mnths. Initial payments equal interest- nly amunt, but end up higher than Extended Fixed Plan. Must be a New Brrwer as f Octber 1, 2007 and have had a disbursement f a Federal Direct Lan n r after Octber 1, 2011 t use the Pay As Yu Earn (PAYE) plan. Yu must be a New Brrwer as f July 1, 2014 t use the IBR fr New Brrwers (New IBR) plan. Payments in bth plans are based n 10% f yur husehld s annual Discretinary Incme [i.e., that prtin f yur husehld s Adjusted Grss Incme (AGI) that exceeds 150% f the federal pverty guideline fr yur family size and state f residence] Negative amrtizatin is permitted. Mnthly payments are adjusted annually based n the fllwing fur (4) factrs: Husehld AGI (includes spuse s incme nly if yu file a jint federal tax return) Family size Federal pverty guideline established annually by the U.S. Department f Health and Human Services (HHS) State f residence Must have a Partial Financial Hardship (PFH) t initially enter PAYE r New IBR plan. PAYE and IBR fr New Brrwers plans can nly be used t repay Federal DIRECT Lans. Nn- Direct Lans (i.e., FFEL, Perkins, HPSL, LDS r NSL student lans) can be cnslidated in the Direct Cnslidatin Prgram t make them eligible fr these tw plans). Payments based n 10% f yur husehld s annual Discretinary Incme as defined by the U.S. Department f Educatin (same definitin as prvided abve fr PAYE/New IBR). Adjusted annually based n the same fur (4) factrs used in PAYE and New IBR plans (except spuse s incme and federal student lan debt are included in calculating the brrwer s mnthly payment regardless f tax filing status). Negative amrtizatin is permitted. Partial interest subsidy n unsubsidized lans during perids f negative amrtizatin. N New Brrwer r Partial Financial Hardship eligibility requirements. Payments based n 15% f yur husehld s annual Discretinary Incme as defined by the U.S. Department f Educatin (same definitin as prvided abve fr PAYE and New IBR). Adjusted annually based n the same fur (4) factrs used in PAYE and 10% IBR plans. Must have a Partial Financial Hardship (PFH) t initially enter this plan (same as abve). N New Brrwer eligibility requirements. Negative amrtizatin is permitted. Payments typically are equal t n mre than 20% f yur husehld s annual Discretinary Incme as defined by U.S. Department f Educatin (slightly different criteria frm PAYE/IBR). Adjusted annually based n the factrs similar t thse used fr PAYE and IBR. N New Brrwer r Partial Financial Hardship eligibility requirements. Negative amrtizatin is permitted. 1 T apply fr PAYE, New IBR, REPAYE, IBR r ICR, yu must cmplete the Incme- Driven Repayment Plan Request at StudentLans.gv apprximately days prir t when the lan(s) enter r re- enter repayment if yu want t use ne f these incme- driven repayment plans t repay yur eligible federal student lans. Yu must reapply fr the incme- driven plan yu are using every 12 mnths (servicer will request yu d s days befre end f current repayment cycle). MAXIMUM REPAYMENT PLAN Perkins, HPSL, LDS, NSL, PCL Fixed mnthly payments ACTION PLAN: TERM 120 mnths (10 years) PLAN DESCRIPTION Fixed payments are equal t the greater f: (1) amrtizing the ttal lan amunt wed ver 120 mnths, r (2) minimum mnthly payment requirement fr that prgram.

4 STEP 4: Evaluate if yu need t cnslidate any f yur federal lans (Mre infrmatin is available at: StudentLans.gv.) Cnslidatin is the REFINANCING f ne r mre existing federal student lans (nt the COMBINING f lans). Yu are brrwing a new educatin lan a Federal Direct Cnslidatin Lan t pay ff ne r mre f yur existing federal student lans when yu cnslidate federal lans. All federal student lans except the Primary Care Lan (PCL) are eligible t be refinanced thrugh the Federal Direct Cnslidatin Prgram. Private lans currently cannt be cnslidated in this prgram. Cnslidatin, hwever, des nt get yu a better interest rate r lwer the cst f the debt. Interest rate is fixed Equals weighted average f interest rates f lans being cnslidated then runded up t nearest 1/8 th percent. The runding up f the weighted average calculatin will increase the interest expense n the debt by a small amunt; yu als may end up paying mre ttal interest ver the life f repayment if yu take lnger t repay the lans yu cnslidate. Apply fr a Federal Direct Cnslidatin Lan nline at: StudentLans.gv Lans being cnslidated must be in grace, repayment, deferment r frbearance. Yu must include at least ne Federal Family Educatin Lan (FFEL) r Federal Direct Lan in the cnslidatin. As such, if yu are cnslidating Perkins/HPLS/LDS/NSL lan(s) yu must include at least ne FFEL r Direct lan in the cnslidatin. Yu will be asked t select the cmpany yu want t use t service yur new Federal Direct Cnslidatin Lan (ptins are FedLan Servicing, Great Lakes, Navient r Nelnet) when cmpleting the applicatin suggest yu use the same servicer that is currently servicing yur existing Federal Direct Lans. The lan servicer yu chse will prcess yur cnslidatin applicatin. Prcessing f yur applicatin culd take up t 60 days. Yu can pt t delay funding f yur new cnslidatin lan until near the end f any remaining grace perid. Yu can brrw multiple cnslidatin lans, but must apply fr them ne at a time and can nly have ne applicatin in prcess at a time. Yu can add eligible federal lans t an existing Federal Direct Cnslidatin Lan during the first 180 days after yu submit yur cnslidatin lan applicatin; cntact servicer f yur Cnslidatin Lan fr mre infrmatin. Cnslidatin lans enter repayment as sn as they are funded; they d NOT have a grace perid. Repayment plans are the same as fr Direct Student (Staffrd) and Grad PLUS Lans. CONSOLIDATION Refinancing ptin fr eligible federal student lans Allws yu t: A. Refinance multiple eligible federal student lans int a new, single federal student lan with a single lender and single servicer fr increased cnvenience during repayment. B. Refinance nn- Direct [e.g., FFEL/Perkins/HPSL lan(s)] in the Federal Direct Lan Prgram s that the debt can qualify fr PAYE/REPAYE/New IBR repayment plans as well as the Public Service Lan Frgiveness (PSLF) prgram. C. Refinance Staffrd lan(s) brrwed prir t July 1, 2006 that have a VARIABLE interest rate int a FIXED- rate Federal Direct Cnslidatin Lan. D. Obtain a lnger repayment term (up t maximum f 30 years) than wuld therwise exist based n yur ttal student lan debt if yu need t reduce the mnthly payment and the incme- driven repayment plans d nt prvide the flexibility yu need. E. Refinance FFEL/Perkins/HPSL/NSL lan(s) in the Federal Direct Lan Prgram s that the debt can qualify fr the Extended Repayment Plans (25- year amrtizatin). F. Release an endrser frm an existing Grad PLUS Lan by refinancing that lan with a Federal Direct Cnslidatin Lan (apprval f a Cnslidatin Lan is nt subject t the adverse credit criteria f the Grad PLUS Lan). G. Refinance Perkins/HPSL Lans s that yu can take advantage f the 0.25% interest rate reductin that currently is ffered t brrwers wh repay their Direct Lans using the AUTO- PAY feature. T apply: G t: StudentLans.gv When t cnslidate: When lan(s) are in grace, repayment, deferment r frbearance. ACTION PLAN:

5 Interest Rate Chart Federal Student Lans (Mre infrmatin is available at: StudentAid.gv and at StudentLans.gv.) LOAN TYPE UNDERGRAD/GRAD- PROF DATE OF 1 st DISBURSEMENT INTEREST RATE Subsidized/Unsubsidized Direct/FFEL Undergrad/Grad- Prf July 1, June 30, 2006 VARIABLE RATE (Effective 7/1/2015 thru 6/30/2016) 1.72% (in- schl, grace, deferment) 2.32% (in repayment, frbearance) Subsidized Direct/FFEL Undergrad July 1, 2006 June 30, % (fixed) July 1, 2008 June 30, % (fixed) July 1, 2009 June 30, % (fixed) July 1, 2010 June 30, % (fixed) July 1, 2011 June 30, % (fixed) Unsubsidized Direct/FFEL Undergrad July 1, 2006 June 30, % (fixed) Subsidized and Unsubsidized Undergrad July 1, 2013 June 30, % (fixed) Direct July 1, 2014 June 30, % (fixed) July 1, 2015 June 30, % (fixed) Subsidized Direct/FFEL Grad- Prf July 1, 2006 June 30, % (fixed) Unsubsidized Direct/FFEL Grad- Prf July 1, 2006 June 30, % (fixed) July 1, 2013 June 30, % (fixed) July 1, 2014 June 30, % (fixed) July 1, 2015 June 30, % (fixed) FFEL Grad PLUS Lans Grad- Prf July 1, 2006 June 30, % (fixed) Direct Grad PLUS Lans Grad- Prf July 1, 2006 June 30, % (fixed) July 1, 2013 June 30, % (fixed) July 1, 2014 June 30, % (fixed) July 1, 2015 June 30, % (fixed) Direct/FFEL Cnslidatin Lans ALL ALL FIXED RATE Weighted average f interest rates f lans being cnslidated runded up t nearest 1/8 th percent. Perkins Lans (subsidized) ALL ALL 5.0% (fixed) HPSL, LDS, NSL, PCL (subsidized) ALL ALL 5.0% (fixed) Other Useful nline resurces prvided by the U.S. Department f Educatin: StudentAid.gv Infrmatin abut federal student aid prgrams ffered by U.S. Department f Educatin StudentLans.gv Repayment Estimatr Federal Direct Cnslidatin Lan applicatin IBR/Pay As Yu Earn (PAYE)/ICR repayment plan applicatin NSLDS.ed.gv Listing f all U.S. Department f Educatin federal student lans brrwed t date Infrmatin abut current lans including: Amunt wed (principal + accrued interest) Interest rate Date lan enters r entered repayment, and current lan status Lan servicer (including website address and tll- free phne number) StudentAid.ed.gv/publicservice Infrmatin abut Public Service Lan Frgiveness (PSLF) prgram Emplyment Certificatin fr Public Service Lan Frgiveness frm Frequently Asked Questins (FAQs) abut PSLF 2016 by Jeffrey Hansn Educatin Services. All rights reserved.

6 ADDENDUM: Incme- Driven Repayment (IDR) Plans Interest Subsidy in IDR Plans Subsidy f interest during negative amrtizatin ( NEGATIVE AMORTIZATION ccurs whenever the amunt f yur scheduled mnthly lan payment is less than the amunt f interest that accrued that mnth n that lan.) Plans Subsidized Lans Unsubsidized Lans Incme Based Repayment (IBR) fr New Brrwers Pay As Yu Earn (PAYE) Revised Pay As Yu Earn (REPAYE) Incme Based Repayment (IBR) Incme Cntingent Repayment (ICR) nne thereafter nne thereafter 50% thereafter nne thereafter 50% f negative amrtizatin during all years in plan REPAYE vs. PAYE What plan shuld yu cnsider chsing? REPAYE Negative amrtizatin exists (payment < accrued interest) Will receive mre interest subsidy PAYE! Negative amrtizatin des NOT exist (payment! accrued interest) Cnsider changing frm REPAYE t PAYE nce: Negative amrtizatin n lnger exists (payment! accrued interest) Yu get married AND yu file separate federal tax returns PAYE payments wuld be based slely n yur AGI bth incmes wuld be used in REPAYE Yu have earned at least 19 years f payments that wuld qualify fr frgiveness f the debt Frgiveness culd ccur after 20 years f incme-driven payments rather than 25 years Partial Financial Hardship n lnger exists (payment based n 10% f AGI nw equals r exceeds 10-year Standard amunt) PAYE payments max ut at 10-year amunt REPAYE payments wuld keep increasing as incme increases (n payment cap in REPAYE) Changing plans causes utstanding accrued interest t be capitalized (added t principal balance). REPAYE vs. IBR (15%) What plan shuld yu cnsider chsing? REPAYE Single (r married filing jintly) and negative amrtizatin exists (payment < accrued interest) Payments will be based n 10% f husehld s AGI rather than 15% Will receive mre interest subsidy IBR! Yu re married and file federal tax returns separately and negative amrtizatin des nt exist (payment! accrued interest) 15% f yur AGI alne (used in IBR) may equal less than 10% f yur cmbined AGI (used in REPAYE) Cnsider changing frm REPAYE t IBR nce: Yu get married AND yu file separate federal tax returns 15% f yur AGI alne (used in IBR) may equal less than 10% f yur cmbined AGI (used in REPAYE) Partial Financial Hardship n lnger exists (payment based n 15% f AGI nw equals r exceeds 10-year Standard amunt) IBR payments max ut at 10-year amunt REPAYE payments wuld keep increasing as incme increases (n payment cap in REPAYE) Changing plans causes utstanding accrued interest t be capitalized (added t principal balance) by Jeffrey Hansn Educatin Services. All rights reserved.

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