Basic Loan Types
      Myths and Misconceptions
      Interest
                    Master Promissory Note
      Be Aware of Changes
                 Types of Loans
      Stafford Loans
     Direct Loans
      PLUS Loans
      SLS Loans and Student PLUS Loans
      HEAL and Federal Nursing Loans
      Perkins Loans
      Alternative Loans
      State Programs
                 Default and Delinquency
      A lender's Timeline
      Default has Consequences
                  Deferments
      Deferment is an Entitlement
      In-School Deferments
      Education Related Deferments
      New Baby Deferment
      Public Service Deferments
      Temporary Disability Deferments
      Unemployment Deferment
      Perkins Loans Deferments
                 Forbearance
      Discretionary Forbearance
      Administrative Forbearance
      Mandatory Forbearance
      Perkins Loan Forbearance
                Loan Discharges
      Death
      Disability
      School Related Discharges of Stafford,              Direct, and PLUS loans defined.
© Copyright 2006 Mitchell & Mitchell, LLC, all rights reserved.
SURVIVING YOUR STUDENT LOANS
Table of Contents
      Stafford, Direct, and PLUS Partial Payments
      Full-time Child Care Provider
      Perkins Loan Discharge Programs
      Additional Programs
                 Consolidation
      Advantages of Multiple Loans
      Advantages of Consolidation
      Multiple Consolidations
      Plus Loans
      HEAL Loans
      Private Loans
                 Payment Options
      Standard Repayment Plan
      Interest Only
      Graduated Payment
      Income Sensitive
      Income Contingent
                Making the Payments
      Megan -- One way to do it right
      A Farmer's Story Gone Wrong
      Judith -- Managing a teacher's budget 
                    through forbearance defined   
      When Your Lender Can't find You 
      PLUS Loans
      Stay-At-Home Moms
      The Wrong Way to Stay at Home
      More Plus Loans
      Underage Students
      Officer Bruce
      Nurse Andrew
      No New Home Blues
      D'Artagnan and the "I'm in jail" deferment
      Unemployment Happens
                   Loan Management
      The Dos and Don'ts of Student Loans
     Additional Reading
 
Preface
Acknowledgements Introduction
Chapter 1:
Chapter 2:
Chapter 3:
Chapter 4:
Chapter 5:
Chapter 6:
Chapter 7:
Chapter 8:
Chapter 9:
Chapter 10:
Appendix A: Acronyms
Appendix B: Glossary
Index
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SURVIVING YOUR STUDENT LOANS
by Nancy Mitchell
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