Financial Literacy

Where can I find my SAP appeal?

spitts@ntcc.edu — Thu, 02 Jul 2020 18:37:06 +0000

Where can I find my SAP appeal? spitts@ntcc.edu Thu, 07/02/2020 - 1:37 pm

To get to your SAP appeal, you will need to log into your student portal and go to Financial>Financial Aid>91�� Financial Aid System, then go to the top right side and click on the appropriate school year. Go to the drop down menu on the left and click on Documents.

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How can I apply for a loan?

spitts@ntcc.edu — Thu, 02 Jul 2020 18:36:22 +0000

How can I apply for a loan? spitts@ntcc.edu Thu, 07/02/2020 - 1:36 pm

You can find this in your student portal by going to Financial>Financial Aid>91�� Financial Aid System, then go to the top right side and click on the appropriate school year, then go to the drop down menu.

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What is a forbearance?

spitts@ntcc.edu — Tue, 05 May 2020 19:55:17 +0000

What is a forbearance? spitts@ntcc.edu Tue, 05/05/2020 - 2:55 pm

Forbearance is a temporary postponement of payments.

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Where can I get my complete summary of my loans?

spitts@ntcc.edu — Tue, 05 May 2020 19:54:39 +0000

Where can I get my complete summary of my loans? spitts@ntcc.edu Tue, 05/05/2020 - 2:54 pm

You can view your federal student loan and grant history online by logging into StudentAid.gov with your FSA ID. StudentAid.gov displays information from the National Student Loan Data System (NSLDS) , a database containing information about federal student aid received by students and parents

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What if I don’t make enough to pay my student loans off?

spitts@ntcc.edu — Tue, 05 May 2020 19:54:10 +0000

What if I don’t make enough to pay my student loans off? spitts@ntcc.edu Tue, 05/05/2020 - 2:54 pm

An income based repayment plan adjusts your monthly student loan payments based on your discretionary income and family size

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Do I have to repay my student loans?

spitts@ntcc.edu — Tue, 05 May 2020 19:53:19 +0000

Do I have to repay my student loans? spitts@ntcc.edu Tue, 05/05/2020 - 2:53 pm

For federal direct student loans, after you graduate, leave school, or drop below half-time enrollment, you have a six-month grace period before you must begin making payments.

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I want to go back to school, but am in default on my loans. What do I do?

spitts@ntcc.edu — Tue, 05 May 2020 19:52:31 +0000

I want to go back to school, but am in default on my loans. What do I do? spitts@ntcc.edu Tue, 05/05/2020 - 2:52 pm

The best way to get student loans out of default and go back to school is to begin making payments again. There are three ways to get your loan out of default: pay your loans in full, enter a loan rehabilitation program or consolidate your loans with a private lender.

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Can they take money out of my work paycheck?

spitts@ntcc.edu — Tue, 05 May 2020 19:49:56 +0000

Can they take money out of my work paycheck? spitts@ntcc.edu Tue, 05/05/2020 - 2:49 pm

Only if your studet loan is in default. When a loan is in defualt, the IRS can force your employer to garnish your wages and apply it to the outstanding balance.

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Can they take money out of my tax return?

spitts@ntcc.edu — Tue, 05 May 2020 19:49:04 +0000

Can they take money out of my tax return? spitts@ntcc.edu Tue, 05/05/2020 - 2:49 pm

Only if your studet loan is in default. When a loan is in defualt, the IRS can take your expected refund and apply it to the outstanding balance.

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What is a defaulted student loan?

spitts@ntcc.edu — Tue, 05 May 2020 19:48:23 +0000

What is a defaulted student loan? spitts@ntcc.edu Tue, 05/05/2020 - 2:48 pm

Student loan default means you did not make payments as outlined in your loan’s contract, also known as its promissory note.

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