Students Given Hope To Pay Debt With New Federal Student Loan Repayment Plan
Several college graduates are being crushed by their student loan debt. If you check the records, it can be seen that student loan defaults are now in a whole new level. With that being said, college loan borrowers are crying out for debt relief. Fortunately, President Barack Obama has respond to the need by proposing faster government-back loan consolidation and loan forgiveness plans.
The decision of President Obama to expand the education loan forgiveness to a bigger number of students could mean that loans you received to pay for college may get much easier to manage. Information regarding his new “Pay As You Earn” program, which details new rules for repayment, are still developing.
The new plan’s key objective is a loan consolidation that has a lower interest rate. For college students who are struggling to pay their monthly educational loan, here are three major features of the plan that offer benefits:
First is the interest rate.
In terms of the interest rate, there will be a fixed rate in the plan and it will not go higher than 8.25 percent. When there is lower interest rates, a large portion of the monthly payment pays off the principal balance.
The second major feature is the repayment term.
As detailed in the plan, each loan that would be consolidated will be able to maintain the original repayment term that it follows.
The third is the electronic debit payment benefit.
If the applicant of the new consolidation plan pays through the Department of Education’s automatic debit system, he or she is qualified for a supplementary 0.25 percent interest rate reduction.
The government has indicated that they want those people holding both private and government student loans to be permitted to consolidate their debts at the moment into one new government loan. By doing so, they will be able to receive a reduction at their interest rates and even save money in the process.
College graduates must remember though that they are still responsible at making payments on their loans, however, those revised payments would be bound at just 10 percent of their earnings.
The best thing is that for those who borrowed money for college education will have their loans forgiven after 20 years.
It is still not clearly known how many students will the new plan be able to help but it may range from 450,000 to 6 million students.
After the Congress passed the Income-Based Repayment Plan (IBRP) in 2010, there was a long hiatus before it became a reality. The new terms has been effective since January 2012.
It’s notable that low-income borrowers would benefit the most with the plan.
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Benefits Of Enrolling In The Student Loan Program Opened by The President Of The United States
A lot of people can already take advantage of a plan to help students repay their loans.
The repayment plan knocks off monthly bills to 10 percent of their earnings and they wouldn’t need to pay the loan after 20 years of payments. Previously, the provisions were only for those who have really low income compared to their debt and for those who got their loans after 2007. The administration made the program accessible to people no matter their income and the time they availed of the loan.
These programs aren’t for everyone. These can be your guidelines:
Qualified loans: All federal loans which aren’t in default are eligible.
Payments by month: The computation is based on how much you earn above 150 percent of the federal poverty level. If your wages are very little, you might not pay anything until your income increases.
You would need to revise your financial information per year so you will be paying more as your earnings also grow. Remember that the amount you would be paying will depend on how much your paycheck changes over time.
Debt absolution: When after 20 years, you still have a loan balance to pay, the amount left will be erased. After your balance was erased, this amount could have a bearing on your income and put you in a bigger tax bracket.
When your plan is already income-driven: You can still change your plan even if you are enrolled in the older ones. Take note that if some interest are not settled, this will be added to the principal of your loan and can cause a higher interest. When you process old bank-based loans into the new plan, any payments you made previously wont be counted toward the time needed to be qualified for forgiveness.
Provisions for graduate debt: People who have graduate school loans have to pay 5 years longer than everyone else in order to have a deferred balance. This is so that the end cost of wiping away the debt of grad students will be lowered, since they also tend to borrow a bigger amount.
Marriage penalty: Those borrowers who marry cannot lower the amount of their payments by not including their spouse’s income, except if they are separated or are victims of domestic abuse.
Application process: You can choose from these options on how to apply. Apply online and also send your tax return information electronically. Get information from the person in charge of collecting your payments, if you would rather process it through paper application.
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