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Everest College Logo Email this page Call Us Now! 866-367-5669 Student Loan Assistance Center Welcome to the Everest Student Loan Assistance Center. This site is designed for current Everest students who have loans they have not yet started to repay, as well as for Everest graduates with outstanding loans they must settle. Here you will find: Answers to common questions about outstanding student loans Advice about how to repay your loan(s) quickly and affordably Help, should you fall behind in making your payments on time Meet Your Student Loan Advisor Most students need help when it comes to securing, managing and paying back their student loans. Your personal Everest Student Loan Advisor can be a terrific resource in this area. Even if you have already graduated, we strongly encourage you to contact your Advisor as soon as possible to make sure your finances stay on the right track both now and in the months ahead. How to Contact your Student Loan Advisor Use the drop-down menu below to find the Student Loan Advisor for your school. Call and introduce yourself. Explain your circumstances, ask questions, and let your Advisor know about any particular problems or challenges you may be facing. You can ask your advisor: How much money do I owe? Who do I owe money to? When are my payments due? Even if you don’t have any issues at the time, we encourage you to contact your Advisor and establish a relationship. The more we get to know you, the better we can help should you ever encounter difficulties. (INSERT STUDENT LOAN ADVISOR ID APPLICATION) Information about Your Loan For complete information on the status of your existing loan, you can directly access the National Student Loan Data System (NSLDS). To sign on, click www.nslds.ed.gov/nslds_SA/ Would you like to know how long it will take you to pay off your student loan? How increasing or decreasing your payments will affect your long-term costs? You can answer these and other questions using this Student Loan Calculator: http://www.ed.gov/offices/OSFAP/DirectLoan/calc.html. Repayment Options After you graduate, leave school or drop below half-time enrollment, you are entitled to a six-month grace period on your Stafford Loans. Several repayment options are available so you can choose the one that best meets your financial needs. Remember to consider both short-term affordability as well as long-term costs when deciding which plan is best for you. Your repayment options are: Standard Repayment. This involved fixed monthly payments of at least $50 or interest only, whichever is greater, over 10 years. If this monthly payment is affordable, this is the fastest and least expensive way to repay your loan. Graduated Repayment. This plan offers smaller payments at the beginning of your repayment period and then gradually increases the size of those payments over time. Generally, this plan is done with a10-year term with payments covering at least the interest due. Income-Sensitive or Income-Contingent Repayment. With this plan, payments are adjusted annually based on your monthly gross income and, in the case of an Income-Contingent plan, on your total amount of debt. The repayment term may exceed 10 years. Income-Based Repayment. For borrowers who can demonstrate financial hardship, payments are adjusted annually based on income, debt and family size. There is no minimum payment and a zero payment may be acceptable for a limited period of time. Extended Repayment. This plan is available to borrowers whose loan balance exceeds $30,000. Payments must cover at least the interest due but may be extended up to 25 years. In addition to these repayment plans, Loan Consolidation-a method of combining multiple outstanding federal loans into a single loan and extending the term-may also be an option. If You’re Having Problems Paying Back Your Loan If you are behind in paying back your federal student loans, you have several options available to you. However, if you are behind, it is important that you act, and act quickly, to avoid damaging your credit rating. A bad credit rating can negatively impact everything from the interest you pay on your credit cards to your ability to buy a cell phone-or a house! Here are the options you may pursue: Forbearance. If you are experiencing financial difficulties and need to temporarily postpone your payments, please click the following link, print the form, fill it out and mail it to the specified address. Once received, the form will become effective as of your delinquent date and will wipe out your past delinquencies and bring the account up to date. NOTE: If you use this option, please be aware that despite the fact payments are not required, you will continue to accrue interest on your loans. Download Forbearance Form here Unemployment Deferment. If you are currently unemployed and are unable to make payments on your federal loan, please click the link below, print and fill out the form and return it to us at the address indicated. We will send this form on to your lender/servicer to temporarily postpone your payments. NOTE: If you are already delinquent on your student loans, the beginning date should be the date you became delinquent. Download Unemployment Deferment Request Form here In-School Deferment. If you are attending school at least half-time and have not already put your loans into deferment, please click the link below, print and fill out the form, and then take it to the school you attend. They will need to certify you are actively enrolled. Once they confirm your enrollment, send the form to your lender or servicer for processing. If you need to find out where to send the completed form, please call us at 866-0367-5669. We will be glad to help you. Download In-School Deferment Request Form here If you need general information like the questions listed below, feel free to call us at 866-367-5669 . • When are my payments due? • Who do I owe the money to? • How much do I owe? Contact information Fax to: 714-427-5110 or mail to: Corinthian Colleges, Inc. Attn: Student Loan Assistance PO Box 26230 Santa Ana, CA 92799 If you would like additional information about rights available to you as a borrower, click here . Copyright 1995 - 2009 Corinthian Colleges,...