{"id":907,"date":"2022-07-20T13:39:01","date_gmt":"2022-07-20T17:39:01","guid":{"rendered":"https:\/\/home.hamptonu.edu\/financialaid\/?page_id=907"},"modified":"2025-05-01T02:35:54","modified_gmt":"2025-05-01T06:35:54","slug":"debt-management","status":"publish","type":"page","link":"https:\/\/home.hamptonu.edu\/financialaid\/debt-management\/","title":{"rendered":"Debt Management"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"907\" class=\"elementor elementor-907\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1d0194e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d0194e\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c368ca1\" data-id=\"c368ca1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1dbd85 elementor-widget elementor-widget-spacer\" data-id=\"f1dbd85\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6e1fd83 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e1fd83\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f5ed03\" data-id=\"1f5ed03\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d129513 elementor-widget elementor-widget-heading\" data-id=\"d129513\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Debt Management<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae77794 elementor-widget elementor-widget-spacer\" data-id=\"ae77794\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aee6a0e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aee6a0e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-8b61feb\" data-id=\"8b61feb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51d49bb elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-global elementor-global-512 elementor-widget-nav-menu\" data-id=\"51d49bb\" data-element_type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;fas fa-caret-down&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-underline e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-51d49bb\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-466\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\" class=\"elementor-item menu-link\">Financial Aid Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-467\"><a aria-expanded=\"false\" class=\"elementor-item menu-link\">General Information<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-487\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/directors-letter\" class=\"elementor-sub-item menu-link\">Director&#8217;s Letter<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-488\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/financial-aid-news\" class=\"elementor-sub-item menu-link\">Financial Aid News<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-489\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/college-planning\" class=\"elementor-sub-item menu-link\">College Planning<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-490\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/study-abroad\" class=\"elementor-sub-item menu-link\">Study Abroad<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-491\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/important-dates\" class=\"elementor-sub-item menu-link\">Important Dates<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-492\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/huid-letter\" class=\"elementor-sub-item menu-link\">HU ID Letter<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-468\"><a aria-expanded=\"false\" class=\"elementor-item menu-link\">Key Financial Aid Policies<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-493\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/federal-student-aid\" class=\"elementor-sub-item menu-link\">Awarding Federal Student Aid<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-494\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/satisfactory-academic-progress\" class=\"elementor-sub-item menu-link\">Satisfactory Academic Progress<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-496\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/verification-process\/\" class=\"elementor-sub-item menu-link\">Verification Policy<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-497\"><a href=\"https:\/\/home.hamptonu.edu\/registrar\/ferpa-policy\/\" class=\"elementor-sub-item menu-link\">FERPA Policy<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-498\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/financial-aid-disclosure-policy\/\" class=\"elementor-sub-item menu-link\">Financial Aid Disclosure Policy<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-499\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/stipend\" class=\"elementor-sub-item menu-link\">Financial Aid Stipend Policy<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-469\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/student-news\" class=\"elementor-item menu-link\">Student News<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-470\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/winter-session\" class=\"elementor-item menu-link\">Winter Session<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-471\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/eligibility-for-federal-student-aid\" class=\"elementor-item menu-link\">Eligibility for Federal Student Aid<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-472\"><a aria-expanded=\"false\" class=\"elementor-item menu-link\">Apply for Aid<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-500\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/fafsa\/\" class=\"elementor-sub-item menu-link\">FAFSA<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-501\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/loans\" class=\"elementor-sub-item menu-link\">Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-502\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/virginia-grants-and-scholarships\" class=\"elementor-sub-item menu-link\">Virginia Tuition Assistance Grant (Domiciled Residents Only)<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-503\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/financial-aid-application-process\" class=\"elementor-sub-item menu-link\">FAFSA Process<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-504\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/financial-aid-award-acceptance\" class=\"elementor-sub-item menu-link\">Award Acceptance<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-505\"><a href=\"https:\/\/studentloans.gov\/myDirectLoan\/index.action\" class=\"elementor-sub-item menu-link\">Complete New MPN for Student Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-506\"><a href=\"https:\/\/studentloans.gov\/myDirectLoan\/index.action\" class=\"elementor-sub-item menu-link\">Entrance Loan Counseling<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-507\"><a href=\"https:\/\/studentloans.gov\/myDirectLoan\/index.action\" class=\"elementor-sub-item menu-link\">Complete New MPN for PLUS Loan<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-473\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/financial-aid-award-acceptance\/\" class=\"elementor-item menu-link\">Award Acceptance<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-474\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/international-students\" class=\"elementor-item menu-link\">International Students<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-475\"><a aria-expanded=\"false\" class=\"elementor-item menu-link\">Loans<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-866\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/loan-overview-and-faq\" class=\"elementor-sub-item menu-link\">Loan Overview and FAQ<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-867\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/stafford\/\" class=\"elementor-sub-item menu-link\">Federal Direct Stafford Student Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-868\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/federal-direct-parent-plus-loan\" class=\"elementor-sub-item menu-link\">Federal Direct Parent PLUS Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-869\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/federal-direct-grad-plus-loans\" class=\"elementor-sub-item menu-link\">Federal Direct Grad PLUS Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-870\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/alternative-loans\" class=\"elementor-sub-item menu-link\">Alternative Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-871\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/debt-management\" class=\"elementor-sub-item menu-link\">Debt Management<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-872\"><a href=\"https:\/\/universityhq.org\/paying-for-college\/student-loans\/student-loan-calculator\/\" class=\"elementor-sub-item menu-link\">Student Loan Calculator<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-873\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/entrance-and-exit-loan-counseling\" class=\"elementor-sub-item menu-link\">Entrance and Exit Loan Counseling<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-3117\"><a href=\"https:\/\/studentfreedominitiative.org\" class=\"elementor-item menu-link\">Student Freedom Initiative<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-476\"><a aria-expanded=\"false\" href=\"https:\/\/home.hamptonu.edu\/financialaid\/grants\" class=\"elementor-item menu-link\">Grants<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-874\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/federal-pell-grant\" class=\"elementor-sub-item menu-link\">Federal PELL Grant<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-875\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/fseog\" class=\"elementor-sub-item menu-link\">Federal Supplemental Educational Opportunity Grant<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-876\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/teach\" class=\"elementor-sub-item menu-link\">Teach Education for Assistance for College and Higher Education Grant (TEACH)<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-877\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/iran-and-afghanistan-service-grant\/\" class=\"elementor-sub-item menu-link\">Pell Grant if Parent Died in the Line of Duty<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-477\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/scholarship-search\" class=\"elementor-item menu-link\">Scholarship Search<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-479\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/summer-aid\" class=\"elementor-item menu-link\">Summer Aid<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-480\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/military\" class=\"elementor-item menu-link\">Financial Aid for Military, Veteran, and ROTC Students<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-481\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/forms\" class=\"elementor-item menu-link\">Financial Aid Forms<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-482\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/consumer-information\" class=\"elementor-item menu-link\">Consumer Information<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-483\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/useful-links\" class=\"elementor-item menu-link\">Other Useful Links<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-484\"><a aria-expanded=\"false\" href=\"#\" class=\"elementor-item elementor-item-anchor menu-link\">FAQ<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-878\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/loan-overview-and-faq\" class=\"elementor-sub-item menu-link\">Loan FAQ<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-879\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/parent-faq-a-must-read\/\" class=\"elementor-sub-item menu-link\">Parent FAQ<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-880\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/post-9-11-gi-bill-yellow-ribbon-faqs\" class=\"elementor-sub-item menu-link\">Post-9\/11 GI Bill\u00ae Yellow Ribbon FAQs<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-881\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/scholarships-faq\" class=\"elementor-sub-item menu-link\">Scholarship FAQ<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-882\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/verification-faq\" class=\"elementor-sub-item menu-link\">Verification FAQ<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1611\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/faculty-and-staff\/\" class=\"elementor-item menu-link\">Staff<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-485\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/contact\" class=\"elementor-item menu-link\">Contact Us<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open eicon-menu-bar\"><\/i><i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close eicon-close\"><\/i>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-51d49bb\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-466\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\" class=\"elementor-item menu-link\" tabindex=\"-1\">Financial Aid Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-467\"><a aria-expanded=\"false\" class=\"elementor-item menu-link\" tabindex=\"-1\">General Information<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-487\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/directors-letter\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Director&#8217;s Letter<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-488\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/financial-aid-news\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Financial Aid News<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-489\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/college-planning\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">College Planning<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-490\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/study-abroad\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Study Abroad<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-491\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/important-dates\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Important Dates<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-492\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/huid-letter\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">HU ID Letter<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-468\"><a aria-expanded=\"false\" class=\"elementor-item menu-link\" tabindex=\"-1\">Key Financial Aid Policies<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-493\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/federal-student-aid\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Awarding Federal Student Aid<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-494\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/satisfactory-academic-progress\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Satisfactory Academic Progress<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-496\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/verification-process\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Verification Policy<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-497\"><a href=\"https:\/\/home.hamptonu.edu\/registrar\/ferpa-policy\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">FERPA Policy<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-498\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/financial-aid-disclosure-policy\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Financial Aid Disclosure Policy<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-499\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/stipend\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Financial Aid Stipend Policy<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-469\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/student-news\" class=\"elementor-item menu-link\" tabindex=\"-1\">Student News<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-470\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/winter-session\" class=\"elementor-item menu-link\" tabindex=\"-1\">Winter Session<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-471\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/eligibility-for-federal-student-aid\" class=\"elementor-item menu-link\" tabindex=\"-1\">Eligibility for Federal Student Aid<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-472\"><a aria-expanded=\"false\" class=\"elementor-item menu-link\" tabindex=\"-1\">Apply for Aid<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-500\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/fafsa\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">FAFSA<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-501\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/loans\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-502\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/virginia-grants-and-scholarships\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Virginia Tuition Assistance Grant (Domiciled Residents Only)<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-503\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/financial-aid-application-process\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">FAFSA Process<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-504\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/financial-aid-award-acceptance\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Award Acceptance<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-505\"><a href=\"https:\/\/studentloans.gov\/myDirectLoan\/index.action\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Complete New MPN for Student Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-506\"><a href=\"https:\/\/studentloans.gov\/myDirectLoan\/index.action\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Entrance Loan Counseling<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-507\"><a href=\"https:\/\/studentloans.gov\/myDirectLoan\/index.action\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Complete New MPN for PLUS Loan<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-473\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/financial-aid-award-acceptance\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Award Acceptance<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-474\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/international-students\" class=\"elementor-item menu-link\" tabindex=\"-1\">International Students<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-475\"><a aria-expanded=\"false\" class=\"elementor-item menu-link\" tabindex=\"-1\">Loans<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-866\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/loan-overview-and-faq\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Loan Overview and FAQ<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-867\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/stafford\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Federal Direct Stafford Student Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-868\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/federal-direct-parent-plus-loan\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Federal Direct Parent PLUS Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-869\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/federal-direct-grad-plus-loans\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Federal Direct Grad PLUS Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-870\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/alternative-loans\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Alternative Loans<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-871\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/debt-management\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Debt Management<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-872\"><a href=\"https:\/\/universityhq.org\/paying-for-college\/student-loans\/student-loan-calculator\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Student Loan Calculator<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-873\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/entrance-and-exit-loan-counseling\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Entrance and Exit Loan Counseling<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-3117\"><a href=\"https:\/\/studentfreedominitiative.org\" class=\"elementor-item menu-link\" tabindex=\"-1\">Student Freedom Initiative<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-476\"><a aria-expanded=\"false\" href=\"https:\/\/home.hamptonu.edu\/financialaid\/grants\" class=\"elementor-item menu-link\" tabindex=\"-1\">Grants<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-874\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/federal-pell-grant\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Federal PELL Grant<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-875\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/fseog\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Federal Supplemental Educational Opportunity Grant<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-876\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/teach\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Teach Education for Assistance for College and Higher Education Grant (TEACH)<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-877\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/iran-and-afghanistan-service-grant\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Pell Grant if Parent Died in the Line of Duty<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-477\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/scholarship-search\" class=\"elementor-item menu-link\" tabindex=\"-1\">Scholarship Search<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-479\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/summer-aid\" class=\"elementor-item menu-link\" tabindex=\"-1\">Summer Aid<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-480\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/military\" class=\"elementor-item menu-link\" tabindex=\"-1\">Financial Aid for Military, Veteran, and ROTC Students<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-481\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/forms\" class=\"elementor-item menu-link\" tabindex=\"-1\">Financial Aid Forms<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-482\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/consumer-information\" class=\"elementor-item menu-link\" tabindex=\"-1\">Consumer Information<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-483\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/useful-links\" class=\"elementor-item menu-link\" tabindex=\"-1\">Other Useful Links<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-484\"><a aria-expanded=\"false\" href=\"#\" class=\"elementor-item elementor-item-anchor menu-link\" tabindex=\"-1\">FAQ<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-878\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/loan-overview-and-faq\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Loan FAQ<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-879\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/parent-faq-a-must-read\/\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Parent FAQ<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-880\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/post-9-11-gi-bill-yellow-ribbon-faqs\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Post-9\/11 GI Bill\u00ae Yellow Ribbon FAQs<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-881\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/scholarships-faq\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Scholarship FAQ<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-882\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/verification-faq\" class=\"elementor-sub-item menu-link\" tabindex=\"-1\">Verification FAQ<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1611\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/faculty-and-staff\/\" class=\"elementor-item menu-link\" tabindex=\"-1\">Staff<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-485\"><a href=\"https:\/\/home.hamptonu.edu\/financialaid\/contact\" class=\"elementor-item menu-link\" tabindex=\"-1\">Contact Us<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bbbdb1 elementor-widget elementor-widget-spacer\" data-id=\"0bbbdb1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-9755925\" data-id=\"9755925\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0113609 elementor-widget elementor-widget-text-editor\" data-id=\"0113609\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Debt Management is a serious subject. Yet, if you borrow wisely \u2014 planning out how much you should borrow and your ability to pay it back \u2014 it can be a smart investment in your future. Be sure to borrow intelligently and repay responsibly.<\/p>\n<p>Try to borrow only what you need. You can always take less than lenders offer.<\/p>\n<ul>\n<li>Before borrowing, estimate a year&#8217;s expenses for college.<\/li>\n<li>A good rule of thumb is that your student loan payment should be no more than 10-15% of your post-college anticipated income.<\/li>\n<li>Use repayment calculators to estimate your Federal Stafford Loan and Private Loan payments (if applicable)<\/li>\n<li>When possible, pay the accruing interest on your unsubsidized federal loans and private loans while you\u2019re still in school.<\/li>\n<li>Pay your loans on time! This will protect your credit history, help you avoid late fees, and prevent you from defaulting on your loan.<\/li>\n<\/ul>\n<p>Prepare a budget. Budgeting is the first step to good money management.<\/p>\n<ul>\n<li>Set goals. Do you want to save for school? Buy a car? Plan for these expenses in your budget.<\/li>\n<li>Establish a &#8220;spending diary&#8221; where you track every purchase you make. Most online banking companies provide a summary of spending from your debit card, credit card, and Bill Pay that\u2019s updated daily.<\/li>\n<li>Create a monthly budget. Track income (what you earn) and expenses (what you spend).<\/li>\n<li>Look for ways to cut costs. Do you need a latte every morning? Buy used textbooks, cook at home rather than eating out, shop at sales, and use public transportation. Little savings can make a big difference.<\/li>\n<\/ul>\n<p>Exercise credit card spending responsibility.Avoid being tempted to spend more than you can afford!<\/p>\n<ul>\n<li>Understanding credit cards is important. Research cash advances, interest rates, credit reports and ways to avoid credit card debt prior to applying for a credit card.<\/li>\n<li>Remember, if you have recently applied for a credit card and have been turned down, you can request a free credit report from the agency that was used to make the credit decision. It&#8217;s a good idea to check your credit report at least once a year anyway. You can check for inaccuracies or fraud and be more informed about your personal credit information.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Debt Management Debt Management is a serious subject. Yet, if you borrow wisely \u2014 planning out how much you should borrow and your ability to pay it back \u2014 it can be a smart investment in your future. Be sure to borrow intelligently and repay responsibly. Try to borrow only what you need. You can [&hellip;]<\/p>\n","protected":false},"author":119,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-907","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>Debt Management - Hampton University Financial Aid<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/home.hamptonu.edu\/financialaid\/debt-management\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debt Management - Hampton University Financial Aid\" \/>\n<meta property=\"og:description\" content=\"Debt Management Debt Management is a serious subject. Yet, if you borrow wisely \u2014 planning out how much you should borrow and your ability to pay it back \u2014 it can be a smart investment in your future. Be sure to borrow intelligently and repay responsibly. Try to borrow only what you need. 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Yet, if you borrow wisely \u2014 planning out how much you should borrow and your ability to pay it back \u2014 it can be a smart investment in your future. Be sure to borrow intelligently and repay responsibly. Try to borrow only what you need. 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