Contents

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Chapter 1
Federal Stafford Loan Program (Subsidized)

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Chapter 9
Loan Repayment / Forgiveness Programs

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Chapter 2
Federal Stafford Loan Program (Unsubsidized)

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Chapter 10
What a Borrower Should Know About Repayment

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Chapter 3
Deferment Provisions
Deferment Provisions and On-Line Forms
In-School Deferment For Dental Residents
Forbearance Provisions
Cancellation Provisions and On-Line Forms

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Chapter 11
Delinquency and Default

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Chapter 4
Federal Perkins Loan
Health Professions Student Loans (HPSL)
Loans for Disadvantaged Students (LDS)
Primary Care Loans (PCL)
On-Line Forms

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Chapter 12
Effective Communication

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Chapter 5
New Jersey College Loans to Assist State Students
(NJCLASS) NJCLASS Consolidation

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Chapter 13
Federal Student Aid Ombudman

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Chapter 6
Alternative Loan Programs

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Chapter 14
UMDNJ Student Financial Aid Website

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Chapter 7
Federal and Other Consolidation Loan Programs
Consolidation Loan Websites
Direct Consolidation Loans

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Appendix
Directory of Important Contacts
Useful Financial Aid Resources

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Chapter 8
Combining Student Loans