{"id":7120,"date":"2019-10-30T10:32:57","date_gmt":"2019-10-30T14:32:57","guid":{"rendered":"https:\/\/www.ucf.edu\/financial-aid\/?page_id=7120"},"modified":"2025-09-11T09:40:25","modified_gmt":"2025-09-11T13:40:25","slug":"student-loans","status":"publish","type":"page","link":"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/student-loans\/","title":{"rendered":"Student Loan Management"},"content":{"rendered":"<h2>Tips For Student Loan Borrowing<\/h2>\n<ul>\n<li>Apply for scholarships often. Get as much free money as you can!<\/li>\n<li>Only borrow what you need. Loans must be repaid.<\/li>\n<li>Keep a copy of your student loan documents for your records.<\/li>\n<li>Pay accruing interest on student loans each quarter to avoid increased balances.<\/li>\n<li>If you are having difficulties making payments, contact your student loan servicer immediately. Defaulting on federal student loans can easily be avoided.<\/li>\n<\/ul>\n<blockquote class=\"blockquote\"><p>\u201cAn investment in knowledge pays the best interest.\u201d<\/p>\n<footer class=\"blockquote-footer\">\u2013 Benjamin Franklin<\/footer>\n<\/blockquote>\n<p>Student loans are often used to help students fund educational expenses such as tuition, books, room and board. You should borrow as conservatively as you can to fund your education. Student loan repayment typically begins shortly after a student is not enrolled or after a student\u2019s enrollment drops to less than half-time. Paying your student loan debt in a timely manner is very important. Failure to pay on time or to make the appropriate arrangements for payment could result in a variety of consequences such as wage garnishment, tax liens and adverse credit. If you are ever in a position in which making regular on-time payments is a challenge, you should contact your federal student loan servicer for deferment and\/or forbearance options. You can view your comprehensive student loan history and get servicer information at <a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noopener\">studentaid.gov<\/a>.<\/p>\n<h2 class=\"h5 text-uppercase mt-4 mb-2 pt-3\">Student Loan Resources<\/h2>\n\t\t\t<ul class=\"nav d-flex flex-column align-items-start\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\n\t\t\t<li class=\"nav-item \"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<a class=\"nav-link \"\n\t\t\thref=\"https:\/\/studentaid.gov\/fsa-id\/sign-in\/landing?redirectTo=%2Faid-summary%2Fservicers-and-schools\"\t\t\t\t\t\ttarget=\"_blank\"\t\t\t\t\t\trel=\"noopener\"\t\t\t\t\t\t>\n\t\t\t\tGet Your Comprehensive Student Loan Information\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\n\t\t\t<li class=\"nav-item \"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<a class=\"nav-link \"\n\t\t\thref=\"https:\/\/studentaid.gov\/h\/manage-loans\"\t\t\t\t\t\ttarget=\"_blank\"\t\t\t\t\t\trel=\"noopener\"\t\t\t\t\t\t>\n\t\t\t\tStudent Loan Repayment Information\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\n\t\t\t<li class=\"nav-item \"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<a class=\"nav-link \"\n\t\t\thref=\"https:\/\/studentaid.gov\/manage-loans\/forgiveness-cancellation\/public-service\"\t\t\t\t\t\ttarget=\"_blank\"\t\t\t\t\t\trel=\"noopener\"\t\t\t\t\t\t>\n\t\t\t\tPublic Service Loan Forgiveness\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\n\t\t\t<li class=\"nav-item \"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<a class=\"nav-link \"\n\t\t\thref=\"https:\/\/studentaid.gov\/loan-simulator\"\t\t\t\t\t\ttarget=\"_blank\"\t\t\t\t\t\trel=\"noopener\"\t\t\t\t\t\t>\n\t\t\t\tLoan Repayment Calculators\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\n\t\t\t<\/ul>\n\t\t\n","protected":false},"excerpt":{"rendered":"Tips For Student Loan Borrowing Apply for scholarships often. Get as much free money as you can! Only borrow what you need. Loans must be repaid. Keep a copy of your student loan documents for your records. Pay accruing interest on student loans each quarter to avoid increased balances. If you are having difficulties making&hellip;","protected":false},"author":4,"featured_media":0,"parent":6823,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-right-sidebar-child.php","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-7120","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Student Loan Management | Â鶹ӳ»­´«Ã½ Office of Student Financial Assistance<\/title>\n<meta name=\"description\" content=\"Tips For Student Loan Borrowing Apply for scholarships often. Get as much free money as you can! Only borrow what you need. Loans must be repaid. Keep a\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/student-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Student Loan Management | Â鶹ӳ»­´«Ã½ Office of Student Financial Assistance\" \/>\n<meta property=\"og:description\" content=\"Tips For Student Loan Borrowing Apply for scholarships often. Get as much free money as you can! Only borrow what you need. Loans must be repaid. Keep a\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ucf.edu\/financial-aid\/financial-literacy\/student-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"Â鶹ӳ»­´«Ã½ Financial Aid\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-11T13:40:25+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/financial-literacy\\\/student-loans\\\/\",\"url\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/financial-literacy\\\/student-loans\\\/\",\"name\":\"Student Loan Management | Â鶹ӳ»­´«Ã½ Office of Student Financial Assistance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.ucf.edu\\\/financial-aid\\\/#website\"},\"datePublished\":\"2019-10-30T14:32:57+00:00\",\"dateModified\":\"2025-09-11T13:40:25+00:00\",\"description\":\"Tips For Student Loan Borrowing Apply for scholarships often. 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