2013년 11월 30일 토요일

오전 9:17

By Hisako Taketa

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About 'air force pays for college'|...s finished,” Willson said. “We have the capacity to take responsibility for our own lives, to be real revolutionaries for justice. We have the...







About 'air force pays for college'|...s finished,” Willson said. “We have the capacity to take responsibility for our own lives, to be real revolutionaries for justice. We have the...








*Ｎｏｔｅ:               Ｔｈｉｓ               ｗａｓ               ｗｒｉｔｔｅｎ               ｂｙ               ａ               Ｙａｈｏｏ!

ｃｏｎｔｒｉｂｕｔｏｒ.

Ｓｉｇｎ               ｕｐ               ｗｉｔｈ               ｔｈｅ               Ｙａｈｏｏ!

Ｃｏｎｔｒｉｂｕｔｏｒ               Ｎｅｔｗｏｒｋ               ｔｏ               ｓｔａｒｔ               ｐｕｂｌｉｓｈｉｎｇ               ｙｏｕｒ               ｏｗｎ               ｆｉｎａｎｃｅ               ａｒｔｉｃｌｅｓ.

Ｔａｋｉｎｇ               ａ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｉｓ               ｏｆｔｅｎ               ｎｅｃｅｓｓａｒｙ               ｉｆ               ｙｏｕ               ｗｉｓｈ               ｔｏ               ｓｔａｒｔ               ａｎｄ/ｏｒ               ｆｉｎｉｓｈ               ｓｃｈｏｏｌ.

Ｕｎｆｏｒｔｕｎａｔｅｌｙ,               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｄｅｂｔｓ               ｃａｎ               ｂｅｃｏｍｅ               ａ               ｂｕｒｄｅｎ               ｉｆ               ｔｈｅｒｅ               ｉｓ               ｎｏ               ｗａｙ               ｉｎ               ｗｈｉｃｈ               ｙｏｕ               ｃａｎ               ｐａｙ               ｔｈｅｍ               ｏｆｆ.

Ｍａｎｙ               ｓｔｕｄｅｎｔｓ               ａｃｃｕｍｕｌａｔｅ               ｅｘｔｅｎｓｉｖｅ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｄｅｂｔ,               ｍａｋｉｎｇ               ｉｔ               ｉｍｐｏｓｓｉｂｌｅ               ｆｏｒ               ｔｈｅｍ               ｔｏ               ｒｅｔａｉｎ               ａｎｙ               ｏｆ               ｔｈｅｉｒ               ｅａｒｎｉｎｇｓ               ｏｎｃｅ               ｔｈｅｙ               ｂｅｃｏｍｅ               ｅｍｐｌｏｙｅｄ               ｉｎ               ｔｈｅｉｒ               ｒｅｓｐｅｃｔｉｖｅ               ｆｉｅｌｄｓ.

Ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ｉｓ               ｅｖｅｎ               ｗｏｒｓｅ               ｉｆ               ｔｈｅ               ｆｏｒｍｅｒ               ｓｔｕｄｅｎｔ               ｃａｎｎｏｔ               ｆｉｎｄ               ｓｏｌｉｄ               ｅｍｐｌｏｙｍｅｎｔ               ｆｏｒ               ｍｏｎｔｈｓ               ｏｒ               ｅｖｅｎ               ｙｅａｒｓ               ａｆｔｅｒ               ｇｒａｄｕａｔｉｏｎ.

Ｅｖｅｎ               ｉｎ               ｂａｎｋｒｕｐｔｃｙ,               ａ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｄｅｂｔ               ｃａｎｎｏｔ               ｂｅ               ｄｉｓｃｈａｒｇｅｄ,               ａｎｄ               ｔｈｅｒｅｆｏｒｅ               ｍｕｓｔ               ｂｅ               ｐａｉｄ               ｏｆｆ.

Ｈｏｗｅｖｅｒ,               ｔｈｅｒｅ               ａｒｅ               ｐｒｏｇｒａｍｓ               ｔｈａｔ               ａｌｌｏｗ               ｃｕｒｒｅｎｔ               ｏｒ               ｆｏｒｍｅｒ               ｓｔｕｄｅｎｔｓ               ｔｏ               ｏｂｔａｉｎ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ.

Ｍｏｓｔ               ｏｆ               ｔｈｅｓｅ               ｐｒｏｇｒａｍｓ               ｉｎｖｏｌｖｅ               ｐｅｒｆｏｒｍｉｎｇ               ｖｏｌｕｎｔｅｅｒ               ｗｏｒｋ               ｏｒ               ｍｉｌｉｔａｒｙ               ｓｅｒｖｉｃｅ,               ｐｒａｃｔｉｃｉｎｇ               ｍｅｄｉｃｉｎｅ               ｉｎ               ｃｅｒｔａｉｎ               ｉｍｐｏｖｅｒｉｓｈｅｄ               ｏｒ               ｒｅｍｏｔｅ               ａｒｅａｓ               ｏｆ               ｔｈｅ               ｗｏｒｌｄ,               ｄｏｉｎｇ               ｓｏｃｉａｌ               ｗｏｒｋ,               ｏｒ               ｍｅｅｔｉｎｇ               ｏｔｈｅｒ               ｒｅｑｕｉｒｅｍｅｎｔｓ.

Ｆｏｒｔｕｎａｔｅｌｙ,               ｔｈｅ               ｌｏａｎ               ａｍｏｕｎｔ               ｔｈａｔ               ｉｓ               ｄｉｓｐｅｎｓｅｄ               ｕｎｄｅｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ               ｉｓ               ｎｏｔ               ａｓｓｅｓｓｅｄ               ａｓ               ｔａｘａｂｌｅ               ｉｎｃｏｍｅ.
               Ｖｏｌｕｎｔｅｅｒ               ｗｏｒｋ
               Ｖｏｌｕｎｔｅｅｒｉｎｇ               ｉｓ               ｎｏｔ               ｏｎｌｙ               ａ               ｇｒｅａｔ               ｗａｙ               ｔｏ               ｇｉｖｅ               ｂａｃｋ               ｔｏ               ｙｏｕｒ               ｌｏｃａｌ               ａｎｄ/ｏｒ               ｇｌｏｂａｌ               ｃｏｍｍｕｎｉｔｙ,               ｂｕｔ               ｉｔ               ｃａｎ               ａｌｓｏ               ｑｕａｌｉｆｙ               ｙｏｕ               ｆｏｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ.

Ｉｆ               ｙｏｕ               ｖｏｌｕｎｔｅｅｒ               ｆｏｒ               ｏｒｇａｎｉｚａｔｉｏｎｓ               ｓｕｃｈ               ａｓ               ｔｈｅ               Ｐｅａｃｅ               Ｃｏｒｐｓ,               ＡｍｅｒｉＣｏｒｐｓ,               ｏｒ               ＶＩＳＴＡ               (Ｖｏｌｕｎｔｅｅｒｓ               ｉｎ               Ｓｅｒｖｉｃｅ               ｔｏ               Ａｍｅｒｉｃａ),               ｕｐ               ｔｏ               70%               ｏｆ               ｙｏｕｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｄｅｂｔ               ｃａｎ               ｂｅ               ｆｏｒｇｉｖｅｎ               (ｕｓｕａｌｌｙ               ａｔ               ａ               ｒａｔｅ               ｏｆ               15%               ｐｅｒ               ｙｅａｒ               ｏｆ               ｓｅｒｖｉｃｅ).

Ｂｒｅａｋｉｎｇ               ｄｏｗｎ               ｔｈｅ               ｎｕｍｂｅｒｓ,               ｖｏｌｕｎｔｅｅｒｓ               ｉｎ               ＡｍｅｒｉＣｏｒｐｓ               ｗｈｏ               ｓｅｒｖｅ               12               ｍｏｎｔｈｓ               ｃａｎ               ｒｅｃｅｉｖｅ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ               ｏｆ               $4,725               ｔｏｗａｒｄｓ               ｔｈｅｉｒ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ.

ＶＩＳＴＡ               ｐａｙｓ               ｔｈｅ               ｓａｍｅ               ａｍｏｕｎｔ               ｆｏｒ               1,700               ｈｏｕｒｓ               ｏｆ               ｓｅｒｖｉｃｅ.

Ｔｈｅ               Ｐｅａｃｅ               Ｃｏｒｐｓ               ｗｉｌｌ               ｃａｎｃｅｌ               15%               ｏｆ               Ｐｅｒｋｉｎｓ               ｌｏａｎｓ               ｆｏｒ               ｔｈｅ               ｆｉｒｓｔ               ｔｗｏ               ｙｅａｒｓ               ｏｆ               ｓｅｒｖｉｃｅ,               ｔｈｅｎ               20%               ｆｏｒ               ｔｈｅ               ｔｈｉｒｄ               ａｎｄ               ｆｏｕｒｔｈ               ｙｅａｒｓ               ｏｆ               ｓｅｒｖｉｃｅ,               ｆｏｒ               ａ               ｔｏｔａｌ               ｃａｎｃｅｌｌａｔｉｏｎ               ｏｆ               70%               ａｆｔｅｒ               4               ｆｕｌｌ               ｙｅａｒｓ               ｏｆ               ｓｅｒｖｉｃｅ.

Ａｄｄｉｔｉｏｎａｌｌｙ,               ｍｏｓｔ               ｖｏｌｕｎｔｅｅｒ               ｏｒｇａｎｉｚａｔｉｏｎｓ               ｗｉｌｌ               ａｕｔｏｍａｔｉｃａｌｌｙ               ｄｅｆｅｒ               ｙｏｕｒ               Ｓｔａｆｆｏｒｄ,               Ｐｅｒｋｉｎｓ,               ｏｒ               Ｃｏｎｓｏｌｉｄａｔｉｏｎ               ｌｏａｎｓ               ｗｈｉｌｅ               ｙｏｕ               ａｒｅ               ｓｅｒｖｉｎｇ,               ｔｈｕｓ               ｆｒｅｅｉｎｇ               ｙｏｕ               ｆｒｏｍ               ｉｎｔｅｒｅｓｔ               ａｃｃｕｍｕｌａｔｉｏｎ               ｏｎ               ｙｏｕｒ               ｌｏａｎ.
               Ｍｉｌｉｔａｒｙ               ｓｅｒｖｉｃｅ
               Ｆｏｒ               ｅａｃｈ               ｙｅａｒ               ｔｈａｔ               ｙｏｕ               ｓｅｒｖｅ               ｉｎ               ｔｈｅ               ｍｉｌｉｔａｒｙ,               15%               ｏｆ               ｙｏｕｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｄｅｂｔ               ｉｓ               ｒｅｐａｉｄ               ｂｙ               ｔｈｅ               ｒｅｓｐｅｃｔｉｖｅ               ｐｒｏｇｒａｍ               (ｕｐ               ｔｏ               ａ               ｂｒａｎｃｈ               ｍａｘｉｍｕｍ).

Ｔｈｏｓｅ               ｍａｘｉｍｕｍｓ               ａｒｅ               $65,000               ｆｏｒ               ｔｈｅ               Ａｒｍｙ               ａｎｄ               Ｎａｖｙ,               $20,000               ｆｏｒ               ｔｈｅ               Ａｒｍｙ               Ｒｅｓｅｒｖｅ,               ａｎｄ               $10,000               ｆｏｒ               ｔｈｅ               Ａｉｒ               Ｆｏｒｃｅ.

Ｙｏｕ               ｍｕｓｔ               ｒｅｑｕｅｓｔ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ               ａｔ               ｔｈｅ               ｔｉｍｅ               ｏｆ               ｅｎｌｉｓｔｍｅｎｔ               ｏｒ               ｒｅｅｎｌｉｓｔｍｅｎｔ.

Ｙｏｕ               ｗｉｌｌ               ａｌｓｏ               ｎｅｅｄ               ｔｏ               ｓｃｏｒｅ               50               ｏｒ               ｈｉｇｈｅｒ               ｏｎ               ｔｈｅ               Ａｒｍｅｄ               Ｆｏｒｃｅｓ               Ｑｕａｌｉｆｉｃａｔｉｏｎｓ               Ｔｅｓｔ.
               Ｔｅａｃｈｉｎｇ
               Ｉｆ               ｙｏｕ               ｃｈｏｏｓｅ               ｔｏ               ｔｅａｃｈ               ｉｎ               ａｎ               ｅｌｅｍｅｎｔａｒｙ               ｏｒ               ｓｅｃｏｎｄａｒｙ               ｓｃｈｏｏｌ               ｔｈａｔ               ｓｅｒｖｅｓ               ｌｏｗ-ｉｎｃｏｍｅ               ｆａｍｉｌｉｅｓ,               ａｌｌ               ｏｆ               ｙｏｕｒ               Ｐｅｒｋｉｎｓ               ｌｏａｎ               ｄｅｂｔ               ｃａｎ               ｂｅ               ｆｏｒｇｉｖｅｎ.

Ｔｈｉｓ               ｐｒｏｇｒａｍ               ｆｏｒｇｉｖｅｓ               15%               ｏｆ               ｙｏｕｒ               Ｐｅｒｋｉｎｓ               ｌｏａｎ               ｉｎ               ｔｈｅ               ｆｉｒｓｔ               ａｎｄ               ｓｅｃｏｎｄ               ｙｅａｒｓ,               20%               ｉｎ               ｙｏｕｒ               ｔｈｉｒｄ               ａｎｄ               ｆｏｕｒｔｈ               ｙｅａｒｓ,               ａｎｄ               ｔｈｅ               ｒｅｍａｉｎｉｎｇ               30%               ｉｓ               ｆｏｒｇｉｖｅｎ               ｉｎ               ｙｏｕｒ               ｆｉｆｔｈ               ｙｅａｒ               ｏｆ               ｔｅａｃｈｉｎｇ.

Ｍｏｒｅ               ｉｎｆｏｒｍａｔｉｏｎ               ａｂｏｕｔ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ               ｍａｙ               ｂｅ               ｏｂｔａｉｎｅｄ               ａｔ               Ｌｏａｎ               Ｆｏｒｇｉｖｅｎｅｓｓ               ｆｏｒ               Ｔｅａｃｈｅｒｓ               .
               Ｌｅｇａｌ               ａｉｄ
               Ｍａｎｙ               ｌａｗ               ｓｃｈｏｏｌｓ               ｐｒｏｖｉｄｅ               ｌｏａｎ               ｒｅｐａｙｍｅｎｔ               ａｓｓｉｓｔａｎｃｅ,               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ,               ｌｏｗｅｒ               ｉｎｔｅｒｅｓｔ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ,               ｏｒ               ｄｅｆｅｒｒｅｄ               ｌｏａｎ               ｒｅｐａｙｍｅｎｔ               ｉｆ               ｙｏｕ               ｃｈｏｏｓｅ               ｔｏ               ｗｏｒｋ               ａｓ               ａ               ｐｕｂｌｉｃ               ｄｅｆｅｎｄｅｒ               ｆｏｒ               ｎｏｎ-ｐｒｏｆｉｔ               ｏｒｇａｎｉｚａｔｉｏｎｓ.

Ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｓｔａｔｅｓ               ａｌｓｏ               ｏｆｆｅｒ               ｌｏａｎ               ｒｅｐａｙｍｅｎｔ               ａｓｓｉｓｔａｎｃｅ               ｐｒｏｇｒａｍｓ:               Ａｒｉｚｏｎａ,               Ｄ.Ｃ.,               Ｆｌｏｒｉｄａ,               Ｉｌｌｉｎｏｉｓ,               Ｉｎｄｉａｎａ,               Ｉｏｗａ,               Ｌｏｕｉｓｉａｎａ,               Ｍａｉｎｅ,               Ｍａｒｙｌａｎｄ,               Ｍａｓｓａｃｈｕｓｅｔｔｓ,               Ｍｉｎｎｅｓｏｔａ,               Ｍｏｎｔａｎａ,               Ｎｅｗ               Ｈａｍｐｓｈｉｒｅ,               Ｎｅｗ               Ｍｅｘｉｃｏ,               Ｎｅｗ               Ｙｏｒｋ,               Ｎｏｒｔｈ               Ｃａｒｏｌｉｎａ,               Ｏｈｉｏ,               Ｏｒｅｇｏｎ,               Ｓｏｕｔｈ               Ｃａｒｏｌｉｎａ,               Ｔｅｘａｓ,               Ｖｅｒｍｏｎｔ,               ａｎｄ               Ｖｉｒｇｉｎｉａ.

Ｆｏｒ               ｍｏｒｅ               ｉｎｆｏｒｍａｔｉｏｎ,               ｇｏ               ｔｏ               ｔｈｅ               Ａｍｅｒｉｃａｎ               Ｂａｒ               Ａｓｓｏｃｉａｔｉｏｎ'ｓ               Ｌｏａｎ               Ｒｅｐａｙｍｅｎｔ               Ａｓｓｉｓｔａｎｃｅ               Ｐｒｏｇｒａｍｓ               ｗｅｂ               ｓｉｔｅ.
               Ｍｅｄｉｃａｌ               ｓｅｒｖｉｃｅ
               Ｍｅｄｉｃａｌ               ｓｔｕｄｅｎｔｓ               ｈａｖｅ               ｓｅｖｅｒａｌ               ｌｏａｎ               ｒｅｐａｙｍｅｎｔ               ｏｐｔｉｏｎｓ               ａｖａｉｌａｂｌｅ               ｔｏ               ｔｈｅｍ.

Ｔｈｅ               Ｕ.Ｓ.

Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｈｅａｌｔｈ               ａｎｄ               Ｈｕｍａｎ               Ｓｅｒｖｉｃｅｓ               ｏｆｆｅｒｓ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ               ｔｈｒｏｕｇｈ               ｔｗｏ               ｐｒｏｇｒａｍｓ:               ｔｈｅ               Ｎａｔｉｏｎａｌ               Ｈｅａｌｔｈ               Ｓｅｒｖｉｃｅ               Ｃｏｒｐｓ,               ａｎｄ               ｔｈｅ               Ｎｕｒｓｉｎｇ               Ｅｄｕｃａｔｉｏｎ               Ｌｏａｎ               Ｒｅｐａｙｍｅｎｔ               Ｐｒｏｇｒａｍ.

Ｔｈｅ               ｆｉｒｓｔ               ｐｒｏｇｒａｍ               ｒｅｑｕｉｒｅｓ               ｔｈａｔ               ｙｏｕ               ｄｅｖｏｔｅ               5               ｙｅａｒｓ               ｔｏ               ｐｒｏｖｉｄｉｎｇ               ｍｅｄｉｃａｌ               ｃａｒｅ               ｉｎ               ａｒｅａｓ               ｏｆ               ｎｅｅｄ;               ｆｏｒ               ｔｈｉｓ               ｓｅｒｖｉｃｅ,               ｕｐ               ｔｏ               $170,000               ｏｆ               ｙｏｕｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｉｓ               ｆｏｒｇｉｖｅｎ.

Ｔｈｅ               ｓｅｃｏｎｄ               ｐｒｏｇｒａｍ               ｒｅｑｕｉｒｅｓ               ｔｈａｔ               ｙｏｕ               ｄｅｖｏｔｅ               2               ｙｅａｒｓ               ｔｏ               ａ               ｑｕａｌｉｆｙｉｎｇ               ｎｏｎ-ｐｒｏｆｉｔ               ｏｒｇａｎｉｚａｔｉｏｎ;               ｆｏｒ               ｔｈｉｓ               ｓｅｒｖｉｃｅ,               ｕｐ               ｔｏ               60%               ｏｆ               ｙｏｕｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｉｓ               ｆｏｒｇｉｖｅｎ.

Ｉｆ               ｙｏｕ               ｓｏ               ｃｈｏｏｓｅ,               ｙｏｕ               ｃａｎ               ｄｅｖｏｔｅ               ａ               ｔｈｉｒｄ               ｙｅａｒ               ｏｆ               ｓｅｒｖｉｃｅ               ａｎｄ               ｈａｖｅ               ａｎ               ａｄｄｉｔｉｏｎａｌ               25%               ｏｆ               ｙｏｕｒ               ｌｏａｎ               ｆｏｒｇｉｖｅｎ.
               Ｆｏｒ               ｍｅｄｉｃａｌ               ｓｔｕｄｅｎｔｓ               ｗｈｏ               ａｒｅ               ｉｎｔｅｒｅｓｔｅｄ               ｉｎ               ｓｃｉｅｎｔｉｆｉｃ               ｒｅｓｅａｒｃｈ,               ｔｈｅ               Ｎａｔｉｏｎａｌ               Ｉｎｓｔｉｔｕｔｅｓ               ｏｆ               Ｈｅａｌｔｈ               ｏｆｆｅｒｓ               ｕｐ               ｔｏ               $35,000               ｐｅｒ               ｙｅａｒ               ｉｎ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ               ｆｏｒ               ｃｏｎｄｕｃｔｉｎｇ               ｒｅｓｅａｒｃｈ               ａｔ               ｅｉｔｈｅｒ               ａ               ｎｏｎ-ｐｒｏｆｉｔ               ａｇｅｎｃｙ,               ａ               ｕｎｉｖｅｒｓｉｔｙ,               ｏｒ               ａｔ               ｔｈｅ               ＮＩＨ               ｉｔｓｅｌｆ.
               Ｍｅｄｉｃａｌ               ｓｔｕｄｅｎｔｓ               ｉｎｔｅｒｅｓｔｅｄ               ｉｎ               ｖｅｔｅｒｉｎａｒｙ               ｗｏｒｋ               ｃａｎ               ａｐｐｌｙ               ｕｎｄｅｒ               ｔｈｅ               Ｕ.Ｓ.

Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ａｇｒｉｃｕｌｔｕｒｅ'ｓ               Ｖｅｔｅｒｉｎａｒｙ               Ｍｅｄｉｃｉｎｅ               Ｌｏａｎ               Ｒｅｐａｙｍｅｎｔ               Ｐｒｏｇｒａｍ.

Ｔｈｉｓ               ｐｒｏｇｒａｍ               ａｌｌｏｔｓ               $25,000               ｐｅｒ               ｙｅａｒ               ｉｎ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ               ｆｏｒ               ｕｐ               ｔｏ               3               ｙｅａｒｓ               ｆｏｒ               ｗｏｒｋｉｎｇ               ｉｎ               ａ               ｄｅｓｉｇｎａｔｅｄ               ａｒｅｎａ.
               Ｌａｗ               ｅｎｆｏｒｃｅｍｅｎｔ
               Ｉｆ               ｙｏｕ               ｂｅｃｏｍｅ               ａ               ｆｕｌｌ-ｔｉｍｅ               ｌａｗ               ｅｎｆｏｒｃｅｍｅｎｔ               ｏｒ               ｃｏｒｒｅｃｔｉｏｎｓ               ｏｆｆｉｃｅｒ,               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｗｉｌｌ               ｒｅｐａｙ               ｙｏｕｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｄｅｂｔ               ａｔ               ａ               ｒａｔｅ               ｏｆ               15%               ｐｅｒ               ｙｅａｒ               ｆｏｒ               ｔｈｅ               ｆｉｒｓｔ               ａｎｄ               ｓｅｃｏｎｄ               ｙｅａｒｓ               ｏｆ               ｓｅｒｖｉｃｅ.

Ｉｎ               ｔｈｅ               ｔｈｉｒｄ               ａｎｄ               ｆｏｕｒｔｈ               ｙｅａｒｓ               ｏｆ               ｓｅｒｖｉｃｅ,               ｔｈｅ               ｒｅｐａｙｍｅｎｔ               ｒａｔｅ               ｊｕｍｐｓ               ｔｏ               20%,               ａｎｄ               ｔｈｅｎ               ｔｏ               30%               ｆｏｒ               ｔｈｅ               ｆｉｆｔｈ               ｙｅａｒ.

Ｔｈｅ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ               ｐｒｏｇｒａｍ               ａｐｐｌｉｅｓ               ｐｒｉｍａｒｉｌｙ               ｔｏ               ｓｔｕｄｅｎｔｓ               ｗｈｏ               ｔａｋｅ               ｏｕｔ               ｆｅｄｅｒａｌ               Ｐｅｒｋｉｎｓ               ｌｏａｎｓ.

Ｍｏｒｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｍａｙ               ｂｅ               ｏｂｔａｉｎｅｄ               ｂｙ               ｃｌｉｃｋｉｎｇ               ｏｎ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               Ｃｏｎｇｒｅｓｓｉｏｎａｌ               ｒｅｐｏｒｔ.
               Ｃｈｉｌｄ               ｃａｒｅ
               Ｔｈｅ               Ｌｏａｎ               Ｆｏｒｇｉｖｅｎｅｓｓ               Ｄｅｍｏｎｓｔｒａｔｉｏｎ               Ｐｒｏｇｒａｍ               ｆｏｒ               Ｃｈｉｌｄ               Ｃａｒｅ               Ｐｒｏｖｉｄｅｒｓ               ｐｒｏｖｉｄｅｓ               ｕｐ               ｔｏ               100%               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ               ｆｏｒ               ｃｈｉｌｄｃａｒｅ               ｐｒｏｖｉｄｅｒｓ               ｗｏｒｋｉｎｇ               ｉｎ               ｌｏｗ-ｉｎｃｏｍｅ               ａｒｅａｓ.

Ｏｎｌｙ               ａｐｐｌｉｃａｎｔｓ               ｗｈｏ               ｈａｖｅ               ｒｅｃｅｉｖｅｄ               ａ               ｆｅｄｅｒａｌ               ｌｏａｎ               ｕｎｄｅｒ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｆａｍｉｌｙ               Ｅｄｕｃａｔｉｏｎ               Ｌｏａｎ               Ｐｒｏｇｒａｍ               (ＦＦＥＬＰ)               ａｎｄ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｄｉｒｅｃｔ               Ｌｏａｎ               Ｐｒｏｇｒａｍ               (ＦＤＬＰ)               ｃａｎ               ｒｅｃｅｉｖｅ               ｔｈｉｓ               ｐａｒｔｉｃｕｌａｒ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ.

Ｃｈｉｌｄ               ｃａｒｅ               ｐｒｏｖｉｄｅｒｓ               ｒｅｃｅｉｖｅ               20%               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｆｏｒｇｉｖｅｎｅｓｓ               ｅａｃｈ               ｙｅａｒ               ａｆｔｅｒ               ｃｏｍｐｌｅｔｉｎｇ               ｔｈｅｉｒ               ｓｅｃｏｎｄ               ａｎｄ               ｔｈｉｒｄ               ｙｅａｒｓ               ｏｆ               ｓｅｒｖｉｃｅ               (40%               ｔｏｔａｌ),               ｔｈｅｎ               30%               ｅａｃｈ               ｙｅａｒ               ａｆｔｅｒ               ｃｏｍｐｌｅｔｉｎｇ               ｔｈｅｉｒ               ｆｏｕｒｔｈ               ａｎｄ               ｆｉｆｔｈ               ｙｅａｒｓ               ｏｆ               ｓｅｒｖｉｃｅ               (60%               ｔｏｔａｌ),               ｔｏｔａｌｉｎｇ               ｕｐ               ｔｏ               100%               ｏｆ               ｔｈｅｉｒ               ｉｎｉｔｉａｌ               ｓｔｕｄｅｎｔ               ｌｏａｎ.
               Ｍｏｒｅ               ｆｒｏｍ               ｔｈｉｓ               ｃｏｎｔｒｉｂｕｔｏｒ:               
               Ｈｏｗ               Ｉ               Ｇｏｔ               Ａ               Ｃｏｌｌｅｇｅ               Ｄｅｇｒｅｅ               Ｗｉｔｈｏｕｔ               Ｇｏｉｎｇ               Ｉｎｔｏ               Ｄｅｂｔ               
               Ｉｎｖｅｓｔｉｎｇ               ｆｏｒ               Ｓｔｕｄｅｎｔｓ:               Ｇｅｔｔｉｎｇ               Ｓｔａｒｔｅｄ               
               6               Ｄｉｆｆｅｒｅｎｔ               Ｗａｙｓ               ｔｏ               Ｐａｙ               Ｏｆｆ               Ｓｔｕｄｅｎｔ               Ｌｏａｎ               Ｄｅｂｔ






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