2023年10月18日 • 4分钟
文章内容
If you’re dealing with student loan debt right now, you’re not alone: According to the Federal Reserve, student loan borrowers in the US owe more than $1.7 trillion to federal and private student loan providers1. Although the federal 政府ernment paused student loan repayments during the COVID-19 pandemic, payments have now resumed — and that’s why paying off your student loans is more important than ever. Not only will paying off 你的贷款 help you save money on interest payments, you’ll have greater ability to buy a house, 创业或为退休储蓄. Less student loan debt also 的意思是s a better 信用评分 更好的是,减少你生活中的压力.
Here are some student loan tips to help you pay them off 快, as well as details about the end of the COVID-era 暂停偿还学生贷款.
Try setting a goal for how long you want to take to pay them off or choose a student loan repayment plan that fits your budget.”
The US Department of 教育 suspended student loan payments, 终止对违约贷款的催收, and stopped charging interest on federal student loans in March 2020 due to the COVID-19 pandemic. 经过几次扩展, interest on student loans will resume September 1, 2023, 的意思是ing that borrowers with federal student loans will be required to make payments again starting in October 2023. (Because interest accrued on some loans during the payment pause, some monthly payments may increase.)
To prepare for student loan repayments to restart, visit 学生Aid.政府 to learn how to update your contact information, 计算你的付款, 找到你的贷款服务商, and see if you qualify for forgiveness programs.
If you’re unable to make payments, you can contact your loan servicer to discuss your options. You may be able to enroll in a repayment plan with lower monthly payments or request deferment or forbearance.
如上所述, the US Supreme Court recently ruled against an attempt to cancel $430 billion in student loan debt, 但也有新的机会, 比如SAVE计划. 了解更多关于 新的储蓄计划 and how it can potentially lower your monthly payment if you qualify.
As you work on paying off 你的贷款 and exploring your options, 谨防骗子的存在, even in unexpected areas like student loans. 学习 如何避免学生贷款诈骗.
Looking for options to refinance your student loans? 学习 如何避免学生贷款诈骗 in your search for refinancing.
You’ve graduated and now it’s time to begin paying off student loans. Find out what you need to know about your loan repayment options from the experts at Patelco!
为大学存钱? 了解税收优惠的选择, how they affect financial aid so you can determine the best way for you to save for college!
1 http://www.会上.按照政府 /版本/ /嘘/ cc_hist_memo_levels.html