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Tables of Contents for Take Control of Your Student Loans
Chapter/Section Title
Page #
Page Count
chapter 1 THE WORLD OF STUDENT LOANS
A. Taking Control
1/2
1
1. Getting Started
1/2
1
2. Fighting Back
1/3
1
B. The Government's Role
1/3
3
1. Changing Programs
1/4
1
2. The Anatomy of a Student Loan
1/5
1
C. Getting Help From This Book
1/6
chapter 2 WHAT TYPES OF LOANS DO YOU HAVE?
A. Federal Student Loans
2/4
4
1. Stafford Loans, Guaranteed Student Loans and Federal Insured Student Loans
2/5
1
2. Perkins Loans, National Direct Student Loans and National Defense Student Loans
2/6
1
3. Loans for Parents or Independent Students
2/6
1
4. Loans for Healthcare Professionals
2/7
1
5. Federal Consolidation Loans
2/8
1
B. Private Loans
2/8
13
1. Medical, Dental and Nursing Students
2/9
4
2. MBA Students
2/13
1
3. Engineering Students
2/14
1
4. Law Students
2/15
1
5. Graduate Students
2/16
2
6. Undergraduates
2/18
3
C. Other Loans
2/21
1. Loans From State Funds
2/21
1
2. Loans from University Funds
2/21
chapter 3 WHO HOLDS YOUR STUDENT LOANS?
A. Players in the World of Student Loan Financing
3/2
9
1. Lenders
3/2
1
2. Companies on the Secondary Market
3/3
1
3. Loan Servicers
3/3
1
4. Guarantee Agencies
3/3
7
5. Federal Government
3/10
1
6. Collection Agencies
3/10
1
B. Figuring Out Who Holds Your Student Loans
3/11
chapter 4 MAKING A BUDGET
A. Get Organized
4/2
5
1. Recordkeeping Basics
4/3
3
2. Keeping Up to Date
4/6
1
B. How Much Can You Afford to Pay?
4/7
1. Keep Track of Your Expenditures
4/7
3
2. Total Your Income
4/10
3
3. Make Your Budget
4/13
chapter 5 YOUR REPAYMENT OPTIONS
A. Repayment Plans
5/3
6
1. Standard Repayment Plan
5/6
1
2. Graduated Repayment Plan
5/7
1
3. Extended Repayment Plan
5/7
1
4. Income Contingent or Income Sensitive Repayment Plan
5/8
1
B. Accelerated Payment
5/9
1
C. Loan Consolidation
5/10
4
1. Loans That Are Eligible for Consolidation
5/10
1
2. Repayment Options
5/11
1
3. Lowering Your Interest Rate
5/11
1
4. When You Shouldn't Consolidate
5/12
1
5. Applying for Consolidation
5/13
1
6. When Your Lender Doesn't Want to Let You Go
5/13
1
D. Raising Cash
5/14
2
1. Sell a Major Asset
5/14
1
2. Withdraw Money From a Tax-Deferred Account
5/15
1
3. Obtain a Home Equity Loan
5/15
1
4. Borrow From Family or Friends
5/15
1
E. Additional Help With Repayment
5/16
1. Lender Incentives
5/16
1
2. Repayment Assistance and Loan Forgiveness
5/16
1
3. Negotiating With the Holder of Your Loan
5/17
chapter 6 STRATEGIES WHEN YOU CAN'T PAY
A. Conditions for Canceling or Deferring Student Loans
6/2
9
1. Death of the Borrower
6/3
1
2. Permanent Total Disability
6/3
1
3. Temporary Total Disability
6/3
1
4. Enrollment in Rehabilitation Program for the Disabled
6/3
1
5. Unemployment
6/3
1
6. Economic Hardship
6/4
1
7. Parents With Young Children
6/5
1
8. Enrollment in School
6/6
1
9. Membership in a Uniformed Service
6/7
1
10. Teaching Needy Populations
6/7
1
11. Providing Services Other Than Teaching to Needy Populations
6/8
1
12. Performing Community Service
6/8
1
13. Working in the Healthcare Professions
6/9
1
14. Working in Law Enforcement
6/10
1
15. Attended a Trade School
6/10
1
16. Filing for Bankruptcy
6/11
1
B. Applying for a Cancelation
6/11
1
C. Applying for a Deferment
6/11
6
D. Recertifying Your Deferment
6/17
1
E. Obtaining a Forbearance
6/17
chapter 7 COLLECTION EFFORTS WHEN YOU DON'T PAY
A. Initial Collection Attempts
7/2
3
1. Dunning Letters
7/2
2
2. Reporting Default to Credit Bureaus
7/4
1
B. More Serious Collection Efforts
7/5
17
1. Assessing Collection Fees
7/5
1
2. Losing Your Income Tax Refund
7/6
3
3. Having Your Wages Garnished
7/9
1
4. Getting Sued
7/10
12
C. Collection Efforts on Private and State Loans
7/22
chapter 8 GETTING OUT OF DEFAULT
A. Federal Loans
8/3
6
1. Repayment Plans
8/3
5
2. Consolidating Your Loans
8/8
1
3. Seeking Compromise of Your Loans
8/8
1
4. Requesting a Write-Off of Your Loans
8/9
1
B. Federal Healthcare Loans
8/9
1
C. Private and State-Funded Student Loans
8/10
chapter 9 IF YOU ATTENDED A TRADE OR VOCATIONAL SCHOOL
A. Canceling a Federal Student Loan
9/2
7
1. School Closure
9/3
1
2. False Certification
9/3
3
3. Applying for a Cancelation
9/6
3
B. Obtaining a Refund
9/9
2
1. Loans Eligible for Cancelation
9/9
1
2. Leaving School Within an Allowed Withdrawal Period
9/9
2
C. If the Holder of Your Loan Sues You
9/11
chapter 10 BANKRUPTCY AND STUDENT LOANS
A. Bankruptcy Basics
10/2
3
1. Chapter 7 Bankruptcy
10/3
1
2. Chapter 13 Bankruptcy
10/4
1
B. When Student Loans Can Be Discharged
10/5
4
1. Payments Due More Than Seven Years Ago
10/5
1
2. Undue Hardship
10/6
1
3. Discharging HEAL Loans
10/7
1
4. Loans Not Covered by the Bankruptcy Code
10/7
2
C. Filing Chapter 13 Bankruptcy If Your Loans Aren't Dischargeable
10/9
chapter 11 HELP BEYOND THE BOOK
A. Using Legal Resources
11/2
15
1. Library Research
11/2
4
2. Online Legal Resources
11/6
1
B. Hiring a Lawyer
11/7
3
1. What Lawyers Can Do for You
11/7
1
2. How to Find a Lawyer
11/8
1
3. What to Look For in a Lawyer
11/9
1
4. How Much Lawyers Charge
11/9
1
C. Hiring a Typing Service
11/10
1
D. Using Consumer Credit Counseling Service
11/11
GLOSSARY OF TERMS
G/1
APPENDIX
Student Loan Information
A/3
2
Student Loan Phone Log
A/5
2
Daily Expenditures
A/7
2
Monthly Income From All Sources
A/9
2
Monthly Budget
A/11
2
Student Loan Payments
A/13
2
Request for Review
A/15
2
Request for Hearing or Exemption
A/17
INDEX