{"id":5418,"date":"2023-08-07T09:08:29","date_gmt":"2023-08-07T09:08:29","guid":{"rendered":"https:\/\/www.wooshpay.com\/?p=5418"},"modified":"2023-08-15T06:57:26","modified_gmt":"2023-08-15T06:57:26","slug":"education-loan-repayment-deferment","status":"publish","type":"post","link":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/es\/recursos\/conocimiento\/education-payments\/2023\/08\/07\/education-loan-repayment-deferment\/","title":{"rendered":"Gesti\u00f3n de la amortizaci\u00f3n del pr\u00e9stamo:Exploraci\u00f3n de las opciones de aplazamiento, abandono y indulgencia de morosidad"},"content":{"rendered":"<p><\/p>\n\n\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/06\/educationloanrepaymentdeferment_01.jpg?x-oss-process=style\/webp\" alt=\"Education\u00a0loan\u00a0repayment\u00a0deferment\" \/><\/p>\n<p>Alright, let&#8217;s talk about deferment \u2013 that magical pause button for loan payments. It&#8217;s like a timeout from those monthly loan headaches. Here&#8217;s the lowdown:<\/p>\n<p><strong>What&#8217;s Deferment?<\/strong> Deferment is like hitting snooze on your loan payments. It&#8217;s a temporary break when you don&#8217;t have to pay. But here&#8217;s the kicker: it&#8217;s temporary, so don&#8217;t get too comfy.<\/p>\n<p><strong>No Interest Party:<\/strong> Good news first \u2013 during deferment, if you&#8217;ve got Direct Subsidized Loans, Subsidized Federal Stafford Loans, or Federal Perkins Loans, interest takes a chill pill. It doesn&#8217;t pile up like dirty laundry.<\/p>\n<p><strong>Interest, Meet Accrual:<\/strong> Now, the not-so-fun part. If you&#8217;re rolling with Direct Unsubsidized Loans, Direct PLUS Loans, or Federal PLUS Loans, interest keeps on doing its thing. You might have to pay up, or it might get cozy with your loan&#8217;s principal balance. Yeah, we know, not the party you wanted.<\/p>\n<p><strong>How to Hit Pause:<\/strong> So, how do you actually get a deferment? Easy-peasy. Just give a shout-out to your loan servicer. They&#8217;re the ones holding the strings, and they&#8217;ll help you with the deferment jazz.<\/p>\n<p><strong>Types of Deferment:<\/strong> Now, let&#8217;s talk flavors. There are different types of deferments, and you might snag one depending on your situation:<\/p>\n<ul>\n<li><strong>In-School Deferment:<\/strong> If you&#8217;re in school at least half-time, you can give your loan a little nap.<\/li>\n<li><strong><a href=\"https:\/\/www.bing.com\/search?q=Unemployment+Deferment&amp;qs=n&amp;form=QBRE&amp;sp=-1&amp;lq=0&amp;pq=unemployment+deferment&amp;sc=8-22&amp;sk=&amp;cvid=0BA95D510F2A4C029CADE1198270129F&amp;ghsh=0&amp;ghacc=0&amp;ghpl=\">Unemployment Deferment<\/a>:<\/strong> Job-hunting but coming up short? You might catch a break here.<\/li>\n<li><strong>Economic Hardship Deferment:<\/strong> Wallet feeling a bit light? If you&#8217;re having a financial rollercoaster, this could be your ticket.<\/li>\n<li><strong>Military Service Deferment:<\/strong> For the heroes out there. Active-duty military or National Guard during some military action? Your loan might take a rest.<\/li>\n<li><strong>Peace Corps Service Deferment:<\/strong> Globe-trotting with the Peace Corps? Your loan might give you a high-five and a breather.<\/li>\n<li><strong>Graduate Fellowship Deferment:<\/strong> If you&#8217;re knee-deep in a grad fellowship program and juggling teaching or research gigs, this might be your lifeline.<\/li>\n<\/ul>\n<p><strong>The Big Secret:<\/strong> Here&#8217;s the kicker \u2013 there&#8217;s more than meets the eye. Depending on your life plot twists, there could be other deferments up for grabs. Just give a shout to your loan servicer, they&#8217;ve got the deets.<\/p>\n<p>So there you have it, the inside scoop on loan deferment. Remember, it&#8217;s like a short break for your loan, but it won&#8217;t last forever. So, when in doubt, reach out to your loan servicer for the latest chapter in your deferment saga.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/06\/educationassistancepaymentwithdrawal_01.jpg?x-oss-process=style\/webp\" alt=\"Retirada del pago de la ayuda a la educaci\u00f3n\" width=\"423\" height=\"312\" \/><\/p>\n<p>Si necesita ayuda con su<a href=\"https:\/\/wooshpay.com\/zh\/education-solution\/\"> gastos de educaci\u00f3n<\/a> y tengas que abandonar los estudios, es posible que tengas que devolver una parte o la totalidad de la ayuda recibida. Las normas exactas de tu <a href=\"https:\/\/wooshpay.com\/zh\/education-solution\/\">programa de ayuda a la educaci\u00f3n<\/a> decidir\u00e1 cu\u00e1nto tienes que devolver. Es muy importante que leas las condiciones del programa y los acuerdos que hayas firmado antes de tomar la decisi\u00f3n de dejarlo. Algunos programas exigen que lo devuelvas todo si te vas, mientras que otros son m\u00e1s flexibles.<\/p>\n<p>Si est\u00e1s pensando en abandonar y te preocupa<a href=\"https:\/\/wooshpay.com\/zh\/education-solution\/\"> devolver la educaci\u00f3n<\/a> ayuda, te sugiero que hables con alguien de tu centro de estudios o de la agencia que te proporcion\u00f3 la ayuda. Ellos deber\u00edan darte m\u00e1s informaci\u00f3n sobre el proceso de reembolso y ayudarte a averiguar qu\u00e9 opciones tienes. S\u00f3lo tienes que ponerte en contacto con ellos y solucionar el problema.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/06\/educationloanpaymentextension_01.jpg?x-oss-process=style\/webp\" alt=\"Pr\u00f3rroga del pago del pr\u00e9stamo educativo\" \/><\/p>\n<p>Muy bien, hablemos de la indulgencia de morosidad: tu billete para un respiro temporal en los pagos de tu pr\u00e9stamo. Aqu\u00ed est\u00e1 la verdad:<\/p>\n<p><strong>\u00bfQu\u00e9 es la indulgencia de morosidad?<\/strong> La indulgencia de morosidad es como hacer una pausa en la marat\u00f3n de reembolso del pr\u00e9stamo. Es una forma de recuperar el aliento ampliando el plazo para devolver el pr\u00e9stamo. Puede que consigas reducir tus pagos o incluso tomarte un descanso de ellos. Suena bien, \u00bfverdad?<\/p>\n<p><strong>Inter\u00e9s en la escena:<\/strong> Pero espera. Mientras te tomas ese descanso, los intereses no est\u00e1n durmiendo la siesta. Todav\u00eda est\u00e1 all\u00ed, colgando y acumulando en todos los tipos de pr\u00e9stamos estudiantiles federales. As\u00ed que prep\u00e1rate para esa parte.<\/p>\n<p><strong>Dos tipos de indulgencia:<\/strong> Hay dos tipos de indulgencia de morosidad: obligatoria y discrecional. La indulgencia de morosidad obligatoria es como el pase VIP autom\u00e1tico. Si cumples ciertas condiciones, como hacer unas pr\u00e1cticas de medicina u odontolog\u00eda, o prestar alg\u00fan servicio nacional, la obtienes sin preguntar. En cambio, la indulgencia de morosidad discrecional depende del administrador de tu pr\u00e9stamo y de tu situaci\u00f3n particular.<\/p>\n<p><strong>Conseguir el respiro:<\/strong> Entonces, \u00bfc\u00f3mo se pulsa el bot\u00f3n de pausa? Habla con tu gestor de pr\u00e9stamos. Ellos son los que tienen las llaves del reino de la indulgencia. Eso s\u00ed, tendr\u00e1s que presentar documentaci\u00f3n que respalde tu historia.<\/p>\n<p><strong>El truco:<\/strong> Ahora, aqu\u00ed est\u00e1 la primicia - mientras que la indulgencia le da un tiempo de espera de los pagos, es como un arma de doble filo. El inter\u00e9s que est\u00e1 teniendo una fiesta durante este tiempo de espera? S\u00ed, no va a desaparecer. Se est\u00e1 uniendo a la fiesta del pr\u00e9stamo, a\u00f1adi\u00e9ndose a tu cantidad total de reembolso. As\u00ed que, recuerda, puede que pagues m\u00e1s a la larga.<\/p>\n<p><strong>Considere sus opciones:<\/strong> Si la tristeza por el pago de los pr\u00e9stamos te golpea con fuerza, no olvides que hay otras opciones. Piensa en darte la mano con un plan de reembolso basado en los ingresos o dar a tus pr\u00e9stamos un abrazo de grupo con la consolidaci\u00f3n. Estas podr\u00edan ser mejores opciones antes de ondear la bandera de la indulgencia de morosidad.<\/p>\n<p>Y ah\u00ed lo tienes, la primicia sobre la indulgencia de morosidad. Es como un breve descanso para tu pr\u00e9stamo, pero recuerda que no es un billete gratis: los intereses siguen acechando. As\u00ed que, antes de lanzarte, ten en cuenta todos los movimientos del tablero.<\/p>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Alright, let&#8217;s talk about deferment \u2013 that magical pause button for loan payments. It&#8217;s like a timeout from those monthly loan headaches. Here&#8217;s the lowdown: What&#8217;s Deferment? Deferment is like hitting snooze on your loan payments. It&#8217;s a temporary break when you don&#8217;t have to pay. But here&#8217;s the kicker: it&#8217;s temporary, so don&#8217;t get [&hellip;]<\/p>","protected":false},"author":5,"featured_media":5419,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[23],"tags":[359,360,362,361],"class_list":["post-5418","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-payments","tag-loan-deferment-options","tag-loan-payment-break","tag-loan-servicer-guidance","tag-temporary-loan-suspension"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.8 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Managing Loan Repayment:Exploring Deferment,Dropping Out,and Forbearance Options - WooshPay<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/35.179.65.51\/resources\/knowledge\/education-payments\/2023\/08\/07\/education-loan-repayment-deferment\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Managing Loan Repayment:Exploring Deferment,Dropping Out,and Forbearance Options\" \/>\n<meta property=\"og:description\" content=\"Alright, let&#8217;s talk about deferment \u2013 that magical pause button for loan payments. It&#8217;s like a timeout from those monthly loan headaches. Here&#8217;s the lowdown: What&#8217;s Deferment? Deferment is like hitting snooze on your loan payments. It&#8217;s a temporary break when you don&#8217;t have to pay. 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It&#8217;s like a timeout from those monthly loan headaches. Here&#8217;s the lowdown: What&#8217;s Deferment? Deferment is like hitting snooze on your loan payments. It&#8217;s a temporary break when you don&#8217;t have to pay. But here&#8217;s the kicker: it&#8217;s temporary, so don&#8217;t get&hellip;","_links":{"self":[{"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/es\/wp-json\/wp\/v2\/posts\/5418","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/es\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/es\/wp-json\/wp\/v2\/comments?post=5418"}],"version-history":[{"count":0,"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/es\/wp-json\/wp\/v2\/posts\/5418\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/es\/wp-json\/wp\/v2\/media\/5419"}],"wp:attachment":[{"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/es\/wp-json\/wp\/v2\/media?parent=5418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/es\/wp-json\/wp\/v2\/categories?post=5418"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/es\/wp-json\/wp\/v2\/tags?post=5418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}