管理学生贷款债务的策略
If college were a party, then student loans are the hangover.
不幸的是, “解毒药”治不了这种头痛, but here are some ideas for managing your student loan debt.
The programs listed are not intended as tax or legal advice. They may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. The programs are for informational purposes only, and should not be considered a substitute for a more comprehensive student loan evaluation.
Income-Driven Repayment Programs — There are four different types of income-driven repayment choices that may help to manage your monthly federal student loan payments:1
- Revised Pay As You Earn Repayment Plan (REPAYE Plan)
- 即赚即付还款计划(PAYE计划)
- 以收入为基础还款计划(IBR计划)
- 视收入还款计划(ICR计划)
You may be eligible for one or more of these payment choices depending on the types of student loans you have, 你的家庭规模, 你的收入, 还有其他一些因素.
在这些收入驱动的还款计划下, any remaining loan balance may be forgiven at the end of the payment period. Payment periods vary depending on the payment option you enroll in, 但通常在20-25年之间.
A financial professional may help you to determine which of these income-driven repayment choices you might be eligible for.1
公共服务贷款豁免 — Certain federal loans may be forgiven after 10 years of qualifying payments if you take a job with federal, 状态, or local government; a non-profit; or certain other public service organizations.1
志愿者 -有很多项目, 比如美国志愿队, 和平队, 还有军队, in which service may accrue a benefit that reduces an outstanding loan balance in an amount that varies depending upon the program.2
预付主要 — Pre-payment of principal may help lower the lifetime interest costs of a loan. 筹集现金以支付预付款, one idea is to ask that birthday and holiday gifts be cash to put toward pre-payments. You could also direct any raises, bonuses or overtime pay to pre-payments. If you do pre-pay principal, be sure to target the loans with the highest rate of interest.
贷款整合 — You can consolidate your federal loans through the Direct Loan program, or through a private lender if you have private loans. However, this may only make sense if you can obtain an overall lower interest rate.1
1. StudentAid.政府,2023
2. 可信的.2023年6月5日
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, 状态- or SEC-registered investment advisory firm. 所表达的意见和 所提供的资料仅供一般参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 消费品套件.
