This article contains valuable and comprehensive information about student loans, student loan forgiveness, and various types of loans available to students. Also, more details on Public Service Loan Forgiveness and loans for teachers and nurses will be discussed in this guide.
Education is the bedrock of today’s society and it is acquired at a steep price. The financial status of students in a tertiary institution is quite different and yet some may have a greater passion to attain the best academic achievement.
Taking out loans has left so many students owing huge debt.
However, millions of American students are about to have their loans cleared y the Biden administration. The Biden-Harris Administration plans to deliver debt relief to more than 30 million Americans according to a recent statement released by Ny Trano Fotsy.
Araka ny lahatsoratra iray published by CNN, the Biden administration will be using existing student loan forgiveness programs to cancel another round of student loan debt. The Biden administration will spend about $7.4 billion to cancel student debt for over 277,000 borrowers.
Ny fampindramam-bolan'ny mpianatra tsara indrindra dia fampindramam-bola navoakan'ny federaly miaraka amin'ny tahan'ny zanabola raikitra na ambany. Ary koa, ny fampindramam-bolan'ny mpianatra tsy miankina dia atolotry ny mpampindram-bola tsy miankina misy banky, masoivohom-bolam-panjakana, crédit sendikaly ary andrim-bola hafa.
Inona no atao hoe fampindramam-bola ho an'ny mpianatra?
Loans given to students are monetary aid to help students go through college. A student loan is organized to help students pay for essential fees and items in college. Tuition, supplies, books, and living expenses of students can be taken care of with this loan.
Araka ny University of New Hampshire, a student loan is money students can borrow either from the Sampana fampianarana amerikanina or a private organization. The intent of taking this loan is to pay for college and repay the organization that provided the loan with interest.
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Karazana fampindramam-bola ho an'ny mpianatra misy
Currently, student loans in the United States are offered by two major lenders which are Biraon'ny mpianatra federa ary fampindramam-bola ho an'ny mpianatra tsy miankina.
Federal Student Loans are offered by the government of the U.S. while fampindramam-bola ho an'ny mpianatra tsy miankina are offered by state loan agencies, banks, credit unions, and other financial institutions.
Ny mpampindram-bola federaly
The U.S. government implemented the Federal Student Loans to aid students financially through college. It is highly recommended to use federal loans as they are attached with additional benefits and are less expensive than private loans.
Misy fepetra vitsivitsy tokony hojeren'ny mpianatra rehefa mangataka fampindramam-bola.
Ireto ambany ireto ny tombony azo amin'ny fampindramam-bola federaly.
- Ny fampindramam-bola federaly dia raikitra ary ambany ny tahan'ny zanabola
- Mahazo findramam-bola tsy misy cosignatory
- Ny mety hisian'ny famelana ny fampindramam-bola ho an'ny mpianatra: tafiditra amin'izany ny fiasana amin'ny asa iray toy ny fampianarana na serivisy ho an'ny daholobe mba hamerenana ny trosa.
- Ny fandaharam-pamerenana mora azo, toy ny fanonerana maharitra ary famerenan'ny vola miditrat
- Fandaharam-pamerenana izay manomboka enim-bolana aorian'ny fianaran'ny mpianatra iray
Ny karazana fampindramam-bola federaly efatra ho an'ny oniversite
Ny fampindramam-bola mivantana
Undergraduates with financial needs can take advantage of the Ny fampindramam-bolan'ny Stafford made available to them. The Subsidized Stafford loans enable students not to pay interest on any amount borrowed.
Loan tsy misoratra mivantana
Ny mpianatra nahazo diplaoma sy nahazo diplaoma dia manana Ny fampindramam-bola tsy misy vola Stafford made available to them irrespective of their financial needs. The Unsubsidized Stafford loan is quite different compared to subsidized loans.
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Federal Direct PLUS fampindramam-bola
Ny ray aman-drenin'ny mpianatra tsy miankina izay miankina sy nahazo diplaoma dia afaka manararaotra ny Grad PLUS sy Parent PLUS fampindramam-bola. Manomboka mitombo ny zanabola rehefa voaloa ny fampindramam-bola satria tsy misy fanampiana ny fampindramam-bola PLUS.
Federal Direct Consolidation fampindramam-bola
Miaraka amin'ny fampindramam-bola Consolidation, azonao atao ny manambatra ny fampindramam-bola federaly maro ho fampindramam-bola tokana, ary mbola mankafy ny tombotsoan'ny fampindramam-bola federaly.
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Findramam-bola tsy miankina
Ireo dia fampindramam-bola atolotry ny mpampindram-bola tsy miankina izay ahitana banky, sendikà mpampindram-bola, masoivoho mpampindram-bolam-panjakana, na andrim-bola hafa. Ny fampindramam-bola manokana dia matetika ampifandraisina amin'ny tahan'ny zanabola raikitra na miovaova.
Mpianatra mikasa ny hahazo ny fampindramam-bola manokana dia takiana amin'ny fananana cosignatory ary ny zanabola dia tsy omena fanampiana.
Inona no atao hoe famelan-keloka ho an'ny mpianatra?
Ny famelana ny trosan'ny mpianatra dia manala ny trosan'ny mpianatra to repay part of their loan or all federal student loans that they borrowed. Most students in colleges and universities have taken loans to finance their stay in school.
The loan enables students to pay for tuition, supplies, books, and other essential items.
Paying back these loans sometimes might be difficult and most students end up being in a huge amount of debt. It’s an alternative method for students to pay back loans collected and it’s available for certain types of loans.
Students who are in debt can work in a certain public profession which can be educational or military professions.
Ahoana ny fiasan'ny famelan-keloka amin'ny fampindramam-bola amin'ny mpianatra
Student loan forgiveness exists to eliminate or take out parts of a student’s debt. Loan forgiveness applies to any student and student loan forgiveness applies to U.S. government-issued or government-backed loans and they amount to 92% of all student loans in the U.S.
However, loan forgiveness does not apply to private loans issued by banks, credit unions, state loan agencies, etc. There are situations where borrowers can have their loans forgiven or even better cancelled totally.
If you want your loans to be forgiven, you are mandated to apply and continue making payments until you get approval for your application.
Karazana famelan-keloka
Famotsoran-keloka ho an'ny daholobe (PSLP)
The Public Service Loan Forgiveness Program is available only to those who work in public service jobs for nonprofit organizations or the government. Part of your loan can be forgiven if you provide volunteer work such as military service or medical practice.
Misy fepetra vitsivitsy tokony hofenoina alohan'ny hamelana ny trosanao eo ambanin'ny fandaharan'asan'ny asam-panjakana.
- Nodidiana hanao fandoavam-bola 120 ianao.
- Ny fandoavam-bola dia tokony hatao raha mbola miasa ho mpiasa ianao amin'ny mpampiasa iray mahafeno fepetra izay mety ho federaly, fanjakana, governemanta eo an-toerana, na fikambanana tsy mitady tombontsoa izay manana sata afaka haba.
William D. Ford Federal Direct Loan Program izay fampindramam-bola mivantana ataon'ny governemanta federaly amerikana dia mahazo famelan-keloka ho an'ny mpianatra. Ny fampindramam-bola navoakan'ny mpampindram-bola tsy miankina izay heverina ho fampindramam-bola tsy federaly dia tsy tafiditra amin'ity programa ity.
In a circumstance where the William D. Ford direct loan is unavailable to you, and you got a loan through the Programa fampindramam-bola Perkins, azonao atao ny manambatra ireo trosa ireo mba hiseho ho a fampindramam-bola fanamafisana mivantana.
Fanavaozana 2021 ho an'ny PSLF
Amin'ny alàlan'ny fitsipika momba ny famelan-keloka amin'ny serivisy ho an'ny daholobe, ny fandoavam-bola atao irery amin'ny fampindramam-bola iombonana dia isaina amin'ny 120 farafahakeliny. Ny fandoavam-bola voalohany natao tamin'ny fampindramam-bola teo aloha dia nodinihina ihany koa ary tsy maintsy tafiditra ao anatin'ny iray amin'ireo fandaharam-pamerenana amin'ny fidiram-bola efatra an'ny governemanta ianao.
The U.S. Department of Education made an official announcement in October 2021, to loosen program restrictions and it lasts till October 2022.
Within this period, borrowers are likely to receive credit for previous payments made on loans, or else they won’t be eligible for Public Service Loan Forgiveness to reach the 12 payment mark.
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Famelan-keloka azo avy amin'ny fidiram-bola
The U.S. federal government offers four major income-driven repayment plans and they enable you to cap your loan payment at a particular percentage of your monthly earnings.
If you are enrolled in any of these plans, whatever remains of your loan balance will be qualified for forgiveness after a time of 20 or 25 years based on the plan.
Those who benefit from these plans are people with huge loan balances. According to the National Consumer Law Center, only 32 individuals have had the honour to receive loan forgiveness via income-driven repayment forgiveness.
Ahoana ny fomba fangatahana famelan-keloka ho an'ny mpiasam-panjakana (PSLF)
To successfully apply for Public Service Loan Forgiveness, you are required to fill out an Employment Certification Form annually and also make pay stubs, W-2 forms, or other requested documentation.
Na izany aza, raha mahavita ny fepetra takiana amin'ny famerenam-bola ianao dia afaka mandefa fangatahana famelan-keloka ho an'ny serivisy ho an'ny daholobe mivantana any amin'ny Departemantan'ny Fanabeazana. Rehefa nekena izany, dia voavela ny sisa amin'ny findramam-bola.
Although the Public Service Loan Forgiveness Program is uncertain till there is a submission of a plan by U.S. President Joe Biden or Congress.
Misy ny fahafahana mizara ny fandoavam-bola isam-bolana. Ohatra, ireo izay mahazo latsaky ny $ 25,000 ao anatin'ny herintaona sy ireo mpivady izay mahazo latsaky ny $ 50,000 dia tsy handany vola kely amin'ny fampindramam-bolany raha tsy misy ny fitomboan'ny fidiram-bolany.
Fandaharana famelan-keloka ho an'ny mpampianatra
The Teacher Loan Forgiveness Program was initiated to motivate teachers to work in elementary schools, secondary schools, and educational service agencies that specifically serve families with low income.
Every year, the list of low-income elementary and secondary schools is published by the U.S. Department of Education.
However, if a teacher wants a loan forgiven, they need to teach full-time for five straight years at a qualifying school. Once the process is completed, the teacher automatically becomes eligible to have $5,000 and up to $17,500 loans forgiven.
The types of loans that are eligible are directly subsidized and unsubsidized loans only. Currently, there are up to 13 U.S. states that provide loan forgiveness to teachers with different requirements.
The Teachers Loan Forgiveness Program can be applied upon completion of the Teacher Loan Forgiveness Application and submission to a loan servicer.
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Famelan-keloka ataon'ireo mpitsabo
Ao amin'ny sehatry ny fitsaboana, mpitsabo mpanampy manana fahazoan-dàlana, mpikambana ao amin'ny fakiolten'ny mpitsabo mpanampy, ary mpitsabo mpanampy, ireo izay miasa any amin'ny faritra misy tsy fahampian-tsakafo dia afaka mahafeno fepetra ary mahazo hatramin'ny 85% amin'ny fampindramam-bolany amin'ny programa antsoina hoe NURSE Corp Loan Repayment Program.
The qualified candidates can work for 2 years in an underserved area and have up to 60% of their student loan forgiven. An additional 25% of the loan can be forgiven for 3 years of working. Currently, 33 U.S. states offer loan repayment assistance and you can go to the official website for Loan Forgiveness for Nurses to check if your state is among the 33 U.S states.
Famelan-keloka araky ny mpitsabo
Ireo manana asa ao amin'ny rafi-pitsaboana toa ny mpitsabo, ny pharmacist ary ny mpitsabo nify miaraka amin'ny mpiasan'ny fahasalamana hafa dia omena safidy maro hahazoana famelan-keloka.
Ny vola voavela sy ny fepetra takiana dia miovaova, ary miankina amin'ny programa nampidirina izany.
Famaranana
Attending prestigious colleges and universities can be quite steep, hence the need for monetary assistance is crucial.
With federal and private student loans, students in colleges can take loans to help them get through school. Tuition, books supplies, and other essential items can be taken care of with these loans.
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References
- University of New Hampshire: What is a Student Loan and How Does it Work?
- Washington (CNN): Biden to forgive $7.4 billion more in student loan debt for 277,000 borrowers
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