Contents

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Chapter 1
Federal Stafford Loan Program (Subsidized)

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Chapter 9
Combining Student Loans

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Chapter 2
Federal Stafford Loan Program (Unsubsidized)

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Chapter 10
Loan Repayment/Forgiveness Programs

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Chapter 3
Grad Plus Loan Program

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Chapter 11
What a Borrower Should Know About Repayment (Q & A)

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Chapter 4
Deferment Provisions
In-School Deferment For Dental Residents
Forbearance Provisions
Cancellation Provisions and On-Line Forms

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Chapter 12
Delinquency and Default Student’s Responsibility

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Chapter 5
Federal Perkins Loan
Health Professions Student Loans (HPSL) and
Loans for Disadvantaged Students (LDS)
Primary Care Loans (PCL)

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Chapter 13
Effective Communication

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Chapter 6
New Jersey College Loans to Assist State Students (NJCLASS)
NJCLASS Consolidation

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Chapter 14
Federal Student Aid Ombudsman

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Chapter 7
Alternative Loan Programs

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Chapter 15
UMDNJ Student Financial Aid Website

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Chapter 8
Federal and Other Consolidation Loan Programs
Consolidation Loan Websites
Direct Consolidation Loans