Contents

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Chapter 1
Federal Stafford Loan Program (Subsidized and Unsubsidized)

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Chapter 9
Loan Repayment/Forgiveness Programs

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Chapter 2
Federal Graduate Plus Loan

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Chapter 10
What A Borrower Should Know About Repayment (Q&A)

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Chapter 3
PUT Loans (Loan Purchase Commitment Program)

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Chapter 11
Delinquency and Default Student's Responsibility

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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
Effective Communication

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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
Federal Student Aid Ombudsman

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

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Chapter 14
UMDNJ Student Financial Aid Website

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Chapter 7
Alternative Loan Programs

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Appendix
Directory of Important Contacts
Useful Financial Aid Resources

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Chapter 8
Loan Consolidation