Reembolso del préstamo educativo

Manejar sus préstamos educativos de manera responsable puede beneficiar su calificación crediticia y potencialmente ayudar a sus futuras metas financieras. La UAS ofrece múltiples opciones para administrar los pagos de su préstamo educativo, que incluyen los siguientes métodos de pago:

Un pago electrónico único (ACH) desde una cuenta bancaria (de cheques o de ahorros) puede hacerse en línea ingresando a su cuenta UAS en uasconnect.com.

Con los pagos automáticos, los pagos se deducen automáticamente de su cuenta bancaria cada mes. Si establece pagos automáticos en su(s) préstamo(s) educativo(s) de HUECU, recibirá un descuento del 0,25% en la tasa de interés que es efectivo desde la fecha en que se crea. El descuento no reducirá el importe del pago mensual, pero le ayudará a pagar el préstamo más rápidamente.

This discount does not apply to bill pay or automatic transfers set up through a third party outside of UAS. Please note that if you are using a bank account to set up your automatic payment, it must be a U.S. bank account, such as your HUECU Savings account. You can set up automatic payments via the UAS website by visiting uasconnect.com.

1. Click on “Manage Recurring Payment” located under “Useful Links” on the loan summary page.
2. Click on “Create A New Recurring Payment”.
3. If you haven’t already entered your bank account information, you will be prompted to do so.
4. Select the loan for which you would like to setup the recurring payment. If you have more than one loan, a separate recurring payment is needed for each loan.
5. Enter the requested information.
6. Click “Create Recurring Payment”.

Consejo de reembolso: Puedes inscribirte para hacer pagos automáticos desde 25 dólares al mes mientras estés inscrito para recibir el descuento en el tipo de interés.

Los pagos con tarjeta de crédito se pueden hacer en línea entrando en su cuenta UAS en uasconnect.com. UAS acepta Tarjeta de crédito Master Card, Visa, Amex y Discover. Tenga en cuenta que los pagos con tarjeta de débito sólo se pueden procesar como crédito. Además, no se le cobrará una tarifa de procesamiento para los pagos con tarjeta de crédito.

If you have any trouble making your payment, please contact UAS directly at (844) 870-8701 or, if calling internationally, at (608)-208-9009 for additional support.

Guía de pago con tarjeta de crédito de la UAS

Si desea enviar un cheque, hágalo a nombre de Harvard University Employees Credit Union y envíelo a la siguiente dirección:

Servicio de Contabilidad de la Universidad
Apartado de correos 5879
Carol Stream, IL 60197-5879

Asegúrese de incluir su número de cuenta en su cheque y la sección de remesas de su estado de cuenta.

También puede llamar a la UAS al (844) 870-8701 para realizar el pago por teléfono.

If you will be making international transfers, please check with your local financial institution as well as HUECU to determine the most cost efficient way for you to transfer money. You may also use one of the below links to make an international payment towards your education loan(s).

¡Western Union Global Pay: https://gpx.globalpay.wu.com/geo-buyer/uaservice#!
FlyWire: https://payment.flywire.com/pay/payment

Consejo de reembolso: Tenga en cuenta que todavía tiene acceso a su cuenta de ahorros de HUECU, y puede utilizarla para establecer pagos automáticos también.

Cada vez que se reciba un pago, se aplicará en el siguiente orden:

Las comisiones que se cobren por no haber realizado uno o más pagos mensuales antes de que expire el periodo de gracia de pago aplicable.

El importe de los intereses que se acumulan diariamente sobre el préstamo, que se determina por factores como el número de días entre los pagos, el tipo de interés del préstamo y el saldo del préstamo principal pendiente. Los intereses no se acumulan por las cuotas atrasadas.

La parte del importe principal del préstamo incluida en el último extracto de facturación mensual.

Allocation is how a payment is distributed across multiple loans. If you have multiple education loan accounts, all of which are serviced by UAS, you may decide to have certain portions of your payment applied to specific loans. To allocate a payment, visit UAS at uasconnect.com, select “Payments”, choose your payment method, and use the “Pay Toward Loan” column to designate the specific portion of the payment that you would like applied to each account. Additionally, you may call UAS at (844) 870-8701 for allocation requests or questions.

Los gastos de demora se calculan a partir del^16º día de retraso. Si no se paga o se paga con retraso, se aplicará una tasa de retraso equivalente al 5% del pago o 15 $ (el que sea menor) si el pago actual y el importe vencido (si lo hay) no se pagan antes de que expire el periodo de gracia de pago aplicable. Además, la morosidad puede ser reportada a las agencias de informes de los consumidores como vencida.

La insuficiencia de fondos se produce cuando su cuenta no tiene suficiente dinero disponible para cubrir su pago. Si un cheque o ACH se devuelve como impagado, se le cobrará un cargo por fondos insuficientes de 20 dólares. Si tiene más de una cuenta de préstamo para la educación, a cada préstamo se le cobrará un cargo por insuficiencia de fondos de $20.

Por favor, recuerde que estamos comprometidos a ayudarle a pagar con éxito su(s) préstamo(s) estudiantil(es). Si tiene dificultades para realizar los pagos, llámenos al 617-495-4460 lo antes posible.

Si realiza un pago que reduce significativamente el saldo de su préstamo, pueden ocurrir varias cosas:

• Es probable que pague los intereses acumulados durante la inscripción, y en adelante sus pagos cubrirán los intereses acumulados mes a mes, y se aplicarán en su mayor parte al capital.
• Su pago mínimo seguirá siendo el mismo en adelante, a menos que solicite específicamente que su préstamo se reamortice durante el plazo restante. Puede ponerse en contacto con el equipo de préstamos educativos en ed_loans@huecu.org para presentar su solicitud de reamortización o ponerse en contacto directamente con UAS.
• Si no reamortiza para obtener un pago mínimo más bajo, y continúa haciendo los pagos mínimos actuales o más grandes, pagará el préstamo más rápido, ahorrando dinero en intereses a lo largo del tiempo.

UAS sí no procesa los pagos de sólo capital para los préstamos de HUECU. Su pagaré establece explícitamente que cualquier pago realizado se aplica primero a los cargos por demora y las tasas, luego a los intereses acumulados y el resto al principal.

• Después de la capitalización, el saldo se reduce con los pagos y devenga intereses sobre el conjunto, exactamente de la misma manera, independientemente de cómo se aplique el pago.

• Si realiza los pagos antes de la amortización y la capitalización de los intereses, los pagos se siguen dividiendo como lo harían durante la amortización, con un pago parcialmente aplicado a los intereses y otro al capital.

It’s important to understand how your loan works. The type of education loan you’ve borrowed will impact how interest is calculated, accrues, and when your first payment is due.

Depending on the type of loan you borrowed, you may be eligible for up to 48 months of deferment while you’re enrolled in school.

Based upon the type of loan you borrowed, when you applied, and the repayment option you selected during the loan origination process, you may receive a 6 or 9-month grace period, beginning from your reported graduation or separation date. Based upon the length of your grace period, the combined maximum in-school deferment and grace period (interim period) is 54 or 57 months. The first payment is typically due one month after the grace period has ended. At the end of the grace period, any outstanding interest is capitalized. After capitalization occurs, the monthly payment is calculated, and a payment schedule is established to amortize the loan to be repaid over the loan term. For additional guidance regarding the grace period for your loan program, please refer to the Deferred and Immediate Repayment tables listed below.

Eligible loans only receive one grace period. If you take a leave of absence and return to school after entering repayment, you may qualify for our Returning Student deferment. However, your loan will enter repayment immediately after that deferment period ends.

You will receive your first billing statement approximately one month before the first payment is due. Your loan type will determine when your official repayment period begins.

For deferred loans, you will be notified of your monthly payment amount when you receive your first monthly billing statement. We are unable to provide your exact payment amount until this time due to interest accrual and capitalization that will occur prior to the start of repayment. You can review the loan disclosures issued during the application process for interest and payment amount.

To calculate your education loan payments, we use a method known as amortization. Amortization is a simple way to evenly spread out costs and is calculated precisely to pay off both principal and interest over a set period of time, known as the term of the loan.

If you have a deferred loan, when you first begin to make payments, the amount of your payments that go to interest is higher than the amount that goes to principal. This ratio slowly shifts over time as you pay off interest that accrued while the loan was deferred. Eventually, your payments will cover the interest that accrues on a month-to-month basis only, and the majority of your payment will be applied to the principal balance.

Currently, all HUECU education loan products offer a fixed interest rate. However, if you previously borrowed a hybrid or variable rate education loan with the credit union, the rate is based on the U.S. Prime Rate (which can be found in the Wall Street Journal). The Prime Rate is an index to which an additional margin is added to determine a final rate. The variable interest rate is adjusted quarterly if the U.S. Prime Rate changes.

Your interest rate will not change over the life of your loan, which means you pay the same amount each month. It also means you know with certainty the total interest that you’ll pay over the life of the loan. All current HUECU education loan products offer a fixed interest rate.

The interest rate will change over the life of your loan based on the Prime rate. This means your interest rate and payment amounts can change over time as well. HUECU does not currently offer an education loan product with a variable interest rate.

The rate is fixed for the first 5 years beginning from first disbursement, and then becomes variable for the remainder of your loan term. This means your rate may begin to fluctuate once the rate becomes variable and payments will adjust accordingly. HUECU does not currently offer an education loan product with a hybrid interest rate.

La capitalización de intereses se produce cuando los intereses no pagados se suman al capital no pagado. Esto ocurre en ciertos momentos durante la vida de su préstamo, normalmente al final del período de gracia, un aplazamiento o una indulgencia. Dependiendo de su programa de préstamo y de su pagaré, los intereses también pueden capitalizarse periódicamente durante ciertos períodos en los que se posponen los pagos. La capitalización hará que el saldo de capital aumente, y los intereses futuros se acumularán sobre ese saldo mayor.

The amount of interest that accrues on your loan is determined by a simple daily interest calculation. If your loans are deferred while you are enrolled in your program, then simple interest accrues on your loan principal. After your grace period, the interest that accrued during enrollment capitalizes, which means it is added to the principal and interest then accrues on the entire balance.

You are required to repay your education loans with interest. Interest is calculated as a percentage of the amount you borrowed. You may be able to deduct interest paid on your eligible education loans on your federal tax return, which could reduce your taxable income. You can log into your UAS account or contact them at (844) 870-8701 to find out when your tax statement (Form 1098-E) will be available.

Consejo de reembolso: Cuanto más tiempo tarde en pagar su préstamo, más intereses se acumularán, aumentando la cantidad que tendrá que devolver. Te animamos a que hagas más que el pago mínimo cada mes en un esfuerzo por pagar el préstamo más rápido y ahorrar dinero en intereses.

Those with qualifying loans may be eligible to temporarily suspend or reduce loan payments through deferment or forbearance if you are enrolled in school, participating in a medical/dental residency program, completing a judicial clerkship, experiencing financial difficulty, or on active military duty.

It’s important to keep in mind that during periods of deferment and forbearance, interest will continue to accrue and will capitalize when your loan re-enters repayment. This means any unpaid interest will be added to the principal balance, increasing the total cost of your loan. Also note that the loan term will be extended at the end of the forbearance period by the number of months in which your loan was in forbearance.

Please don’t forget to continue making payments until you’ve been notified that your deferment or forbearance has been approved. Otherwise, you assume the risk of your loan falling into delinquency, which can have a negative impact on your credit.

Depending on your loan program and repayment option offered or selected during the loan origination process, you may be eligible for up to 48 months of in-school deferment as long as you’re enrolled at least half-time. If eligible, this deferment is automatically applied upon disbursement of your loan, based upon the school reported graduation date. After you graduate or separate, your loans will enter a 6 or 9 -month grace period before repayment officially begins.

Aplazar tus préstamos si vas a volver a estudiar puede ayudarte a reducir o eliminar tus pagos mientras tus ingresos son limitados. Sin embargo, es importante entender que al hacerlo tendrás que pagar más durante la vida de tu préstamo.

If you are pursuing a graduate degree program post enrollment, you may be eligible to fully defer or make interest-only payments for up to 36 months. Your school will need to verify your enrollment, which must be at least half-time. In addition to completing the Returning Student Deferment application, enrollment verification will be required each year you are pursuing your degree. Documentation includes an official letter or certificate from the registrar’s office with the school logo or seal.

Based on your loan program, HUECU may grant an authorized postponement of payments for up to four years (48 months) to those enrolled in an authorized residency program. Documentation must be submitted each year, and includes a completed Forbearance Application along with an official letter from the manager or director of your residency program.

If you are a Law School Graduate who has decided to enter a clerkship, you may be able to pause or make interest only payments for up to 12 months. The judge or court official overseeing your clerkship will need to provide verification. Documentation includes a completed Forbearance application, and an official letter on court letterhead signed by the judge or court official.

If you are in a period of active military service, you may be eligible to postpone your payments. Required documentation includes a completed Forbearance Application, and a written statement from your commanding or personal officer, or a copy of your military orders. Your interest rate will not exceed 6% during this time, and will be adjusted, as needed.

Entendemos que el pago de sus préstamos para la educación puede ser difícil si tiene dificultades para encontrar empleo, ha experimentado una pérdida de trabajo o tiene un gasto médico imprevisto.

If you are experiencing these types of circumstances and are unable to make full payments towards your education loan(s), you can complete a forbearance application to temporarily postpone or reduce your monthly payment. Please keep in mind that Forbearance is a temporary solution that is intended to provide short-term relief. Once your forbearance period ends, it is expected that you will fulfill your monthly payment obligation until the end of your loan term.

Consejo de reembolso: Tenga en cuenta que los intereses se siguen acumulando durante el período de indulgencia. Realizar al menos un pago de sólo intereses evitará que el saldo del préstamo aumente y, por lo tanto, evitará que el pago mínimo sea mayor que antes de entrar en la indulgencia.

Ya sea que esté buscando información general sobre el préstamo, que se haya perdido un pago o que necesite ayuda para entender sus beneficios de reembolso, HUECU siempre está aquí para ayudar.

HUECU: Education Lending Department

Apartado de correos 382609
Cambridge, MA 02238-2609
Teléfono 617-495-4460
Correo electrónico: ed_loans@huecu.org

UAS se encargará de todos los estados de cuenta y la información de reembolso en relación con su préstamo. Si tiene preguntas sobre los detalles de su cuenta, los estados de cuenta de facturación, está experimentando problemas técnicos como ser bloqueado de su cuenta, o quiere hacer un pago hacia su préstamo, por favor póngase en contacto con UAS directamente.

Información de correo y contacto de la UAS

Email Address: UASconnect@tsico.com
Fax Number: 1-866-543-6814
Phone Number: (844) 870-8701
International Phone Number: 608-208-9009
Website: www.uasconnect.com

Pagos:

Servicio de Contabilidad de la Universidad
LLC
Apartado de correos 5879
Carol Stream, IL 60197-5879

Pagos de un día para otro a través de FedEx o correo prioritario:

Servicio de Contabilidad de la Universidad
LLC
c/o FIS Box 5865
270 Remington Blvd. Ste. B
Bolingbrook, IL 60440

Correspondence & Physical Address:

University Accounting Service
LLC
4099 McEwen Road
Suite 700B
Farmers Branch, TX 75244