This page contains our 防止拖欠贷款计划. 下面你会发现一个简短的总结 我们的计划. 查看 full report on our 防止拖欠贷款计划 (PDF). At the bottom of the page are monthly summaries of our progress.
前言
十大彩票平台 is committed to promoting student success by helping our students learn, graduate, obtain employment and demonstrate financial responsibility through the repayment of the funds they borrow to finance their education. 这个默认 plan is structured for student success and will be implemented as a campus-wide initiative.
EGSC is making significant efforts in the area of default prevention and 债务 management. The plan and its initiatives will be the key to the success of our default prevention 管理目标
概述
EGSC has determined that a campus-wide policy and effort is the underlying support 对于一个成功的默认预防程序. 我们的机构不仅关注这些 students who are enrolled during a specific term and year, but rather on all students – applicants and incoming freshmen, transfer students, alumni, and those students who withdraw without completing their transfer pathways.
入学的努力
Presentations at orientations revolve around the idea of responsible borrowing, and common repayment/default topics are included in both the presentations by the President’s Office (Welcome Addresses) and the presentations by the 金融援助 Office.
Those presentations given by the 金融援助 Office should include, at the very least, the following information regarding responsible borrowing and default prevention:
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- 美国目前的贷款债务总额
- 毕业生平均贷款债务
- 毕业生平均借款率
- How additional semesters (longer degree completion times) can affect overall loan 债务
- 令人满意的学业进展 (SAP) and its effects on student completion
- Basic information regarding common barriers to successful repayment
The inclusion of this information has the intent of giving students a moment to consider 他们在大学期间的整体财务计划. 这个时候，是没有一个过程的 set up for the measurement of this plan’s success, as very few resources go into the 此信息的表示.
Admissions工作
Our institution’s Default Prevention and Management Plan focuses on constant communication 在我们的学生还在读的时候. 正是在这个关键时刻 应该鼓励学生的参与. EGSC的目标是确保学生们 active in their communication with financial aid counselors and loan services, aware of their 债务, and prepared to take on future financial responsibility.
财政援助包装政策
EGSC annually evaluates its financial aid packaging policy, taking into account institutional 需求以及学生的需求. The focus is to encourage conservative borrowing by students and to promote scholarships and Federal Work Study in lieu of loans.
入学咨询 & 主本票
Before a student can take out a Federal Direct Loan, he or she must 完整贷款入学辅导. The financial aid staff reinforces this by explaining Entrance Loan Counseling and the Master Promissory Note, providing a loan payment calculator, emphasizing the importance of repayment, and describing the consequences of default in office and on our website.
Academic Affairs and Early Intervention with At-Risk Students
EGSC evaluates students’ progress each semester. 期中成绩公布后， we can identify those students who are below the 2.0标志. 得了W、F的学生， 和/或D将被识别和联系. 学生将成为额外学习的重点 支持以激励他们的成功和进步.
Enrollment Reporting
EGSC recognizes that timely and accurate enrollment reporting to NSLDS is required by regulation and promotes school and student success. EGSC也相信 is a correlation between late or inaccurate enrollment reporting and loan defaults. Accurate reporting activity ensures that borrowers receive their full grace period and further ensures that contacts from the loan servicer, such as correspondence and telephone calls, occur in the appropriate timing and sequence.
出口咨询
EGSC’s Default Prevention and Management Plan emphasizes exit counseling to students 谁要离开他们的学习计划. 退出咨询有两种方式 ways at the time of application: in-person, with a financial aid administrator or 提交 十大彩票平台咨询确认页面.
Post-招收ment努力
At this time, our institution’s post enrollment efforts rely largely on our partnership 与EdFinancial. However, EGSC consults with and utilizes the following, in compliance with federal regulations, in order to minimize defaults:
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- On-Campus offices such as 招生 and Records
- 大学招聘人员
结论
默认管理计划评估
On a yearly basis, EGSC’s Default Task Force will review the current Default Management
Plan to determine what works well and what does not. EGSC将评估所使用的计划
by similar institutions to reevaluate the effectiveness of its own plan. 该委员会
members will also contribute proposals for addendums during semester Default Task
小组会议. These proposals are to be voted upon by the officials in these meetings
经审查录用或备案.
Default prevention and 债务 management is a college-wide initiative. 因此,
efforts are being administered not only from EGSC’s faculty and staff, but also from
our partners at EdFinancial in order to provide our students with a comprehensive
并生效默认管理程序. This is part of our formula for student success,
and we will continue to work diligently to assist our students in making sound investments
在他们的教育中.
