{"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\/fr\/resources\/knowledge\/education-payments\/2023\/08\/07\/education-loan-repayment-deferment\/","title":{"rendered":"G\u00e9rer le remboursement d'un pr\u00eat : explorer les options de report, d'abandon et d'abstention"},"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=\"Report du remboursement du pr\u00eat \u00e0 l&#039;\u00e9ducation\" \/><\/p>\n<p>D'accord, parlons de l'ajournement - ce bouton magique de pause pour les remboursements de pr\u00eats. C'est comme une pause dans les mensualit\u00e9s d'un pr\u00eat. Voici ce qu'il faut savoir :<\/p>\n<p><strong>Qu'est-ce que le sursis ?<\/strong> Le sursis, c'est comme si vous mettiez en veilleuse le remboursement de votre pr\u00eat. C'est une pause temporaire pendant laquelle vous n'avez pas \u00e0 payer. Mais le plus important, c'est qu'il s'agit d'une pause temporaire, alors ne vous installez pas trop confortablement.<\/p>\n<p><strong>Pas de parti d'int\u00e9r\u00eat :<\/strong> Premi\u00e8re bonne nouvelle : pendant le report, si vous avez des pr\u00eats subventionn\u00e9s directs, des pr\u00eats subventionn\u00e9s f\u00e9d\u00e9raux Stafford ou des pr\u00eats f\u00e9d\u00e9raux Perkins, les int\u00e9r\u00eats se calment. Ils ne s'accumulent pas comme du linge sale.<\/p>\n<p><strong>Int\u00e9r\u00eats, accumulation des int\u00e9r\u00eats :<\/strong> Et maintenant, la partie moins amusante. Si vous b\u00e9n\u00e9ficiez d'un pr\u00eat direct non subventionn\u00e9, d'un pr\u00eat direct PLUS ou d'un pr\u00eat f\u00e9d\u00e9ral PLUS, les int\u00e9r\u00eats continuent \u00e0 courir. Il se peut que vous deviez payer, ou que les int\u00e9r\u00eats s'ajoutent au solde principal de votre pr\u00eat. Oui, nous savons, ce n'est pas la f\u00eate que vous vouliez.<\/p>\n<p><strong>Comment faire une pause :<\/strong> Alors, comment obtenir un ajournement ? C'est tr\u00e8s simple. Il suffit d'en parler \u00e0 l'organisme qui s'occupe de votre pr\u00eat. C'est lui qui tient les ficelles et il vous aidera \u00e0 obtenir un report.<\/p>\n<p><strong>Types d'ajournement :<\/strong> Parlons maintenant des ar\u00f4mes. Il existe diff\u00e9rents types de sursis, et vous pouvez en obtenir un en fonction de votre situation :<\/p>\n<ul>\n<li><strong>Report en cours d'\u00e9tudes :<\/strong> Si vous suivez des cours au moins \u00e0 mi-temps, vous pouvez faire une petite sieste.<\/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=\">Report de ch\u00f4mage<\/a>:<\/strong> Vous \u00eates \u00e0 la recherche d'un emploi et vous n'avez pas trouv\u00e9 votre bonheur ? Vous pourriez b\u00e9n\u00e9ficier d'un coup de pouce.<\/li>\n<li><strong>Report en cas de difficult\u00e9s \u00e9conomiques :<\/strong> Le portefeuille se sent un peu l\u00e9ger ? Si vos finances sont en dents de scie, voici ce qu'il vous faut.<\/li>\n<li><strong>Report du service militaire :<\/strong> Pour les h\u00e9ros. Vous \u00eates militaire en service actif ou membre de la Garde nationale et vous participez \u00e0 une action militaire ? Votre pr\u00eat pourrait \u00eatre suspendu.<\/li>\n<li><strong>Report du service du Corps de la Paix :<\/strong> Globe-trotter avec le Corps de la Paix ? Votre pr\u00eat pourrait vous donner un coup de pouce et vous permettre de souffler un peu.<\/li>\n<li><strong>Report de la bourse d'\u00e9tudes sup\u00e9rieures :<\/strong> Si vous \u00eates plong\u00e9 dans un programme de bourses d'\u00e9tudes sup\u00e9rieures et que vous devez jongler avec l'enseignement ou la recherche, c'est peut-\u00eatre votre bou\u00e9e de sauvetage.<\/li>\n<\/ul>\n<p><strong>Le grand secret :<\/strong> Le plus important, c'est que les possibilit\u00e9s sont plus nombreuses qu'il n'y para\u00eet. Selon les p\u00e9rip\u00e9ties de votre vie, d'autres reports peuvent \u00eatre accord\u00e9s. N'h\u00e9sitez pas \u00e0 contacter votre agent de cr\u00e9dit, il saura vous renseigner.<\/p>\n<p>Voil\u00e0 donc le topo sur l'ajournement d'un pr\u00eat. N'oubliez pas qu'il s'agit d'une courte pause pour votre pr\u00eat, mais qu'elle ne dure pas \u00e9ternellement. En cas de doute, adressez-vous \u00e0 l'organisme de gestion de votre pr\u00eat pour conna\u00eetre le dernier chapitre de votre saga sur le sursis.<\/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=\"Retrait du paiement de l&#039;aide \u00e0 l&#039;\u00e9ducation\" width=\"423\" height=\"312\" \/><\/p>\n<p>Si vous obtenez de l'aide pour votre<a href=\"https:\/\/wooshpay.com\/zh\/education-solution\/\"> co\u00fbts de l'\u00e9ducation<\/a> et que vous devez abandonner l'\u00e9cole, vous devrez peut-\u00eatre rembourser une partie ou la totalit\u00e9 de l'aide que vous avez re\u00e7ue. Les r\u00e8gles exactes de votre <a href=\"https:\/\/wooshpay.com\/zh\/education-solution\/\">programme d'aide \u00e0 l'\u00e9ducation<\/a> d\u00e9cidera du montant que vous devez rembourser. Il est tr\u00e8s important de lire les conditions de votre programme et les accords que vous avez sign\u00e9s avant de prendre la d\u00e9cision d'abandonner. Certains programmes peuvent exiger que vous remboursiez tout si vous quittez le programme, tandis que d'autres peuvent \u00eatre plus souples.<\/p>\n<p>Si vous envisagez d'abandonner l'\u00e9cole et que vous vous inqui\u00e9tez \u00e0 propos de<a href=\"https:\/\/wooshpay.com\/zh\/education-solution\/\"> rembourser l'\u00e9ducation<\/a> Pour ce qui est de l'aide, je vous sugg\u00e8re de parler \u00e0 quelqu'un de votre \u00e9cole ou \u00e0 l'agence qui vous a fourni l'aide. Ils devraient vous donner plus d'informations sur le processus de remboursement et vous aider \u00e0 d\u00e9terminer les options qui s'offrent \u00e0 vous. N'oublie pas de prendre contact avec eux et de r\u00e9gler les choses !<\/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=\"Prolongation du d\u00e9lai de remboursement des pr\u00eats \u00e0 l&#039;\u00e9ducation\" \/><\/p>\n<p>D'accord, parlons de l'abstention de remboursement d'un pr\u00eat - votre ticket pour un r\u00e9pit temporaire dans le remboursement de votre pr\u00eat. Voici ce qu'il faut savoir :<\/p>\n<p><strong>Qu'est-ce qu'une suspension de pr\u00eat ?<\/strong> L'abstention de remboursement d'un pr\u00eat est comme une pause dans votre marathon de remboursement. C'est un moyen de reprendre votre souffle en prolongeant le d\u00e9lai de remboursement de votre pr\u00eat. Vous pouvez r\u00e9duire vos paiements ou m\u00eame les interrompre. C'est une bonne chose, n'est-ce pas ?<\/p>\n<p><strong>Int\u00e9r\u00eat pour la sc\u00e8ne :<\/strong> Mais attendez un peu. Pendant que vous prenez ce temps d'arr\u00eat, les int\u00e9r\u00eats ne font pas la sieste. Ils sont toujours l\u00e0 et s'accumulent sur tous les types de pr\u00eats \u00e9tudiants f\u00e9d\u00e9raux. Soyez donc pr\u00eat pour cette partie.<\/p>\n<p><strong>Deux types d'abstention :<\/strong> Il existe deux types d'abstention dans le monde de l'abstention : l'abstention obligatoire et l'abstention discr\u00e9tionnaire. L'abstention obligatoire est comme un laissez-passer VIP automatique. Si vous remplissez certaines conditions, comme un stage en m\u00e9decine ou en dentisterie, ou si vous effectuez un service national, vous l'obtenez sans avoir \u00e0 le demander. L'abstention discr\u00e9tionnaire, quant \u00e0 elle, d\u00e9pend de l'avis de votre organisme de pr\u00eat et de votre situation particuli\u00e8re.<\/p>\n<p><strong>Le souffle de l'air :<\/strong> Alors, comment faire pour appuyer sur le bouton \"pause\" ? Il suffit de parler \u00e0 l'organisme de gestion de votre pr\u00eat. C'est lui qui d\u00e9tient les cl\u00e9s du royaume de l'abstention. Il vous faudra cependant pr\u00e9senter des documents \u00e0 l'appui de votre histoire.<\/p>\n<p><strong>Le pi\u00e8ge :<\/strong> Voici le scoop : si l'abstention vous permet de suspendre vos paiements, c'est une arme \u00e0 double tranchant. Les int\u00e9r\u00eats qui font la f\u00eate pendant ce d\u00e9lai ? Oui, ils ne vont pas dispara\u00eetre. Ils se joignent \u00e0 la f\u00eate du pr\u00eat et s'ajoutent au montant total de votre remboursement. N'oubliez donc pas que vous risquez de payer plus \u00e0 long terme.<\/p>\n<p><strong>Examinez vos options :<\/strong> Si le blues du remboursement des pr\u00eats vous frappe de plein fouet, n'oubliez pas qu'il existe d'autres solutions. Pensez \u00e0 serrer la main \u00e0 un plan de remboursement en fonction du revenu ou \u00e0 faire un c\u00e2lin \u00e0 vos pr\u00eats gr\u00e2ce \u00e0 la consolidation. Ce sont peut-\u00eatre de meilleures options avant de brandir le drapeau de l'abstention.<\/p>\n<p>Et voil\u00e0, le scoop sur l'abstention de remboursement des pr\u00eats. C'est comme une courte pause pour votre pr\u00eat, mais n'oubliez pas qu'il ne s'agit pas d'un billet gratuit - les int\u00e9r\u00eats r\u00f4dent toujours. Avant de vous lancer, r\u00e9fl\u00e9chissez \u00e0 tous les mouvements possibles.<\/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:\/\/www.wooshpay.com\/ja\/resources\/\u77e5\u8b58\/education-payments\/2023\/08\/07\/education-loan-repayment-deferment\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\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. 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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\u2026","_links":{"self":[{"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/fr\/wp-json\/wp\/v2\/posts\/5418","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/fr\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/fr\/wp-json\/wp\/v2\/comments?post=5418"}],"version-history":[{"count":0,"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/fr\/wp-json\/wp\/v2\/posts\/5418\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/fr\/wp-json\/wp\/v2\/media\/5419"}],"wp:attachment":[{"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/fr\/wp-json\/wp\/v2\/media?parent=5418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/fr\/wp-json\/wp\/v2\/categories?post=5418"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/d2jcf4noflr1cd.cloudfront.net\/fr\/wp-json\/wp\/v2\/tags?post=5418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}