аЯрЁБс>ўџ 13ўџџџ0џџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџьЅСY П1bjbjѓWѓW %.‘=‘=1џџџџџџ]>>>>>>>RRRRRfLR ќЦЦЦЦЦЦЦЦж и и и и и и $ є Дќ >ЦЦЦЦЦќ >>ЦЦЦЦО>Ц>Цж RR>>>>Цж Юж >>ж ЦВ uEM™pТRR„„ж QUICK REFERENCE CHART FOR TEACHER LOAN BENEFITS To Help Teachers Determine if their Student Loans have any Forgiveness/Deferment/Cancellation Benefits. See 5-page Fact Sheet for detailed information. Type of Loan (Date FIRST Loan was Taken Out This Determines Benefit Eligibility Benefit How the Benefit is Earned When Is Benefit Received? What should you do? Where do you get the forms to apply?Stafford (ONLY on or after Oct. 1, 1998 On date of 1st loan you must have no outstanding FFELP (Stafford, SLS) or Direct loan taken out before 10-01-98. Up to a $5000 forgiveness benefit per teacher on total balances of his/her loans. (Federal Consolidation loan is O.K. to get for these loans.)After teaching for 5 consecutive years in a designated low-income school. (see definition below)  At end of fifth consecutive year of teaching in a designated low-income school. (At least one yr. must be after ‘97-‘98 school year) • Make regular loan payments. Submit forgiv-forebearance form when balance due is near $5,000. • At end of 5th consec. yr., submit forgiv. applic. form to loan holder. No refunds possibleFrom Loan Co. or TEA website: www.tea.state.tx.us --click on home page pie chart “for teachers” (Send to Loan Co.)Stafford (Between July 1, 1993 & Sept. 30, 1998 Even if additional loans made after 10-01-98 = No benefit for any.NO Benefit at all because the Congress did not fund forgiveness program that was legislated in l992.Stafford (ONLY Between July 1, 1987 & June 30, 1993 Additional later loans elig. tooONLY a Payment Deferment benefit - up to 3 years – No forgiveness! Must teach in a subject-matter teacher shortage area in years you apply. (See list below)Whenever you apply. (Be sure of eligibility) Warning:This benefit is lost if / when loans are consolidated.Use “Education Related Deferment Request - EDU” form to apply.From Loan Co. or TEA website: www.tea.state.tx.us (Send to Loan Co.)Perkins (On or After July 23, 1992 ( Prior to 7-23-92 (100% Forgiveness ( Either of 2 ways: 100% Forgiveness (After teaching five years in a designated low-income school OR in a designated subject-matter shortage area Same as above, but Subj. matter shortage area service counted only after Oct. 7, 1998Partial Forgiveness is earned as follows: End of yr 1 & 2 = 15% ea End of yr 3 & 4. = 20% ea End of yr 5 = 30% (Total of 100%) Warning: Never consolidate a Perkins Loan with other loans, or will lose Perkins benefits! • At beginning of each school year, notify college or university where loan was taken out and tell them where & what you are teaching. • At end of each school year, fill out the application to apply for benefit.From the college or University where you took out your Perkins Loan. (Send to College or University)Texas Subject-Matter Shortage Areas are: Bilingual, ESL, Math, Science, Special Ed, Foreign Language, (computer) Technology Applications. Designated Low-Income Schools are: Schools with greater than 30% low-income student enrollment in a DISTRICT eligible for Title I funds. Dates of Loan Benefits: were determined by dates Congress passed legislation. 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HuthC:\Maria2\ChartFinal02.docPreferred Customer#C:\WINDOWS\Desktop\ChartFinal02.docHans and Maria Huth0C:\WINWORD\ATTEA\Mailing02\ChartFinal02Oct15.docџ@€œт1P@GTimes New Roman5€Symbol3& ArialE€Monotype Sorts"B‰V аhЬSj†ЬSj†i jF Г ƒ$V ЅРДД€20d^џџLOAN FORGIVENESS BENEFIT CHART Hans and Maria HuthHans and Maria Huthўџ р…ŸђљOhЋ‘+'Гй0˜˜РЬшє , H T ` lx€ˆф LOAN FORGIVENESS BENEFIT CHART OANHans and Maria HuthansNormaldHans and Maria Huth2nsMicrosoft Word 8.0@FУ#@c$НiТ@haJ™pТ@haJ™pТ Г ўџ еЭеœ.“—+,љЎDеЭеœ.“—+,љЎL hp|„Œ” œЄЌД М шф F^j  LOAN FORGIVENESS BENEFIT CHART Title˜ 6> _PID_GUIDфAN{735E77BD-C410-11D6-9C47-DE257BB63C7B} ўџџџўџџџ!"#$%&'ўџџџ)*+,-./ўџџџ§џџџ2ўџџџўџџџўџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџRoot Entryџџџџџџџџ РF ВнL™pТ IvM™pТ4€1TableџџџџџџџџџџџџWordDocumentџџџџџџџџ%.SummaryInformation(џџџџ DocumentSummaryInformation8џџџџџџџџџџџџ(CompObjџџџџjObjectPoolџџџџџџџџџџџџ IvM™pТ IvM™pТџџџџџџџџџџџџўџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџўџ џџџџ РFMicrosoft Word Document MSWordDocWord.Document.8є9Вq