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Student Loans & Debt

Total questions: 20

Worksheet time: 12mins

Name
Class
Date
1.

Student loans are .....

a)

like free money

b)

ore often forgiven

c)

must be paid back and almost never forgiven

d)

only need to be paid back if you have a job

2.

You must begin paying back a student loan ...

a)

when you are ready to do so

b)

only when you find a job

c)

soon after you graduate

d)

none of the above

3.
Those with a college degree, on average, earn thousands of more dollars/year when compared to those with just a HS dipolma
a)
True
b)
False
4.
This is the form you must fill out before going to college in order to get aid from the government to pay for college
a)
FAFSA
b)
FASAF
c)
FASFA
d)
AFSAF
5.
What does it mean when a student loan is "forgiven"?
a)
You get a letter of apology from the government
b)
You don't have to keep going to classes to get your degree
c)
You don't get as much money as your were previosuly promised
d)
You don't have to pay back the remainder of your loan debt
6.
Private student loans have better interest rates than government student loans
a)
True
b)
False
7.
A federal student loan is provided by...
a)
Private companies
b)
The state you live in
c)
US Federal government
d)
Investors
8.
A majority of students receive student loans/aid to help pay for college
a)
True
b)
False
9.
This is money you can get to pay for college, which has to be paid back.
a)
Scholarhip
b)
Grant
c)
Student Loan
d)
College Savings
10.
Which of the following statements is TRUE about the advantages of federal student loans compared to private student loans?
a)
Federal student loans generally offer higher interest rates which remain fixed over the term of the loan
b)
Federal student loans do not need to be repaid if the borrower runs into financial difficulty and goes bankrupt
c)
Federal student loans require a credit check
d)
Federal student loans offer more flexible repayment terms
11.
what are ways to avoid paying or minimizing your student loan debt?
a)
obtain Scholarships/ Financial Aid
 join debt relief government programs make timely payments on loan/ get a public service job, government or non profit.
b)
buy food and forget about it
c)
make more late payments
d)
take out another loan to pay off that loan
12.
A _________________ allows students to work on or off campus to earn money to help pay college costs.
a)
scholarship
b)
grant
c)
federal work study
d)
federal loan
13.

period during which repayment of the principal and interest of your loan is temporarily delayed.

a)

Deferment

b)

Forbearance

c)

Consolidate

14.

to stop making payments or reduce your monthly payment for up to 12 months. Interest will continue to accrue.

a)

Deferment

b)

Forbearance

c)

Consolidate

15.

A grant is based off of:

a)

want

b)

school

c)

need

d)

your job

16.

How do you go into Loan Default?

a)

By paying too much each month

b)

By paying too little each month

c)

By stopping payments all together

d)

By ignoring tax collectors phone calls

17.

What should you do if you can't afford your student loan payments?

a)

Apply for another loan

b)

Apply for an income driven repayment plan

c)

Apply to another school

d)

Apply for default

18.
what are ways to avoid paying or minimizing your student loan debt?
a)
obtain Scholarships/ Financial Aid
 join debt relief government programs make timely payments on loan/ get a public service job, government or non profit.
b)
buy food and forget about it
c)
make more late payments
d)
take out another loan to pay off that loan
19.

The amount of student loan debt the average graduate has is....

a)

3,500

b)

10,000

c)

20,000

d)

37,500

20.

State and community colleges are...

a)

bad investments and should be avoided

b)

are more expensive compared to private schools

c)

are much cheaper than private schools

d)

none of the above