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Defaulting on a student loan in the United States can have a number of negative consequences. To understand loan default, it is helpful to have a few common terms defined: *''Loan deferment'' is a postponement of a loan's repayment. There are many reasons why someone might seek to defer a loan, including a return to school, economic hardship, or unemployment. *''Loan delinquency'' is a failure to make loan payments when they are due. Extended delinquency can result in loan default. *''Loan default'' is the failure to repay a loan according to the terms agreed to in the promissory note. A lender may take legal action to get the money back.〔(Financial Aid Finder )〕 ==Consequences== Defaulting on a loan can adversely affect credit for many years. Default typically occurs when a loan receives no payment for 270 days. The loan leaves repayment status and is due in full when the lender requests. New collection costs are added to the loan’s balance and the loan becomes drastically more expensive or eliminated through negotiation or legal action. There are other negative consequences resulting from a defaulted loan. A student who wishes to return to school cannot qualify for federal aid in the United States until satisfactory payment arrangements are made on the defaulted loan or the loan is rehabilitated, a process that can take as long as a full year of on-time payments.〔(American Student Assistance )〕 Individuals who are worried that they are unable to service their student loan debt should receive advice and counseling. There are few options available for American students other than payment in full. The Bankruptcy Abuse Prevention and Consumer Protection Act makes discharging student loans through bankruptcy virtually impossible. Critics have noted that this lack of bankruptcy protection for consumers results in a "risk-free" loan for creditors, removing pressure on creditors to negotiate lower payments. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Student loan default in the United States」の詳細全文を読む スポンサード リンク
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