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7 Ways To Manage, Reduce, or Eliminate Your Student Loan Debt презентация
Содержание
- 1. 7 Ways To Manage, Reduce, or Eliminate Your Student Loan Debt
- 2. 1.) Pay-as-you-earn This program limits payments to
- 3. 2.) Income-based repayment (IBR) This program limits
- 4. 3.) Take your time! Even if you
- 5. 4.) Lower your interest rate If you
- 6. 5.) Teacher Loan Forgiveness Teachers in low-income
- 7. 6.) Do you work in the public
- 8. 7.) Deferments and Forbearance A deferment is
- 9. Are you taking advantage of this tax loophole?
1.) Pay-as-you-earn This program limits payments to just 10% of your discretionary income Any remaining balance after 20 years of on-time payments will be forgiven For more details, check out the
Слайд 21.) Pay-as-you-earn
This program limits payments to just 10% of your discretionary
income
Any remaining balance after 20 years of on-time payments will be forgiven
For more details, check out the fact sheet
Any remaining balance after 20 years of on-time payments will be forgiven
For more details, check out the fact sheet
Wikipedia/ Mando vzl
Слайд 32.) Income-based repayment (IBR)
This program limits payments to just 15% of
your discretionary income
For those who don’t qualify for pay-as-you-earn
Any remaining balance after 25 years of on-time payments will be forgiven
For more details, check out the fact sheet
For those who don’t qualify for pay-as-you-earn
Any remaining balance after 25 years of on-time payments will be forgiven
For more details, check out the fact sheet
Flickr/ Andrew Schwegler
Слайд 43.) Take your time!
Even if you don’t qualify for an income-dependent
repayment plan, you can extend your payment plan’s timeframe up to 25 years
You’ll pay more in interest over the life of the loan, but the payments will be more manageable
You’ll pay more in interest over the life of the loan, but the payments will be more manageable
Payments for $50,000 in student loan debt
Слайд 54.) Lower your interest rate
If you have private student loans, now
may be a good time to refinance and take advantage of low interest rates
The better your credit, the lower your payment could be
Lenders like Discover Financial are offering rates as low as 2.99% (variable) or 5.99% (fixed)
The better your credit, the lower your payment could be
Lenders like Discover Financial are offering rates as low as 2.99% (variable) or 5.99% (fixed)
Flickr/ 401(k) 2012
Слайд 65.) Teacher Loan Forgiveness
Teachers in low-income schools can qualify for up
to $17,500 in student loan forgiveness
Full-time secondary and elementary school teachers can get $5,000 in forgiveness after five consecutive school years
Highly-qualified mathematics, science, and special education teachers can qualify for $17,500 after five years
Full-time secondary and elementary school teachers can get $5,000 in forgiveness after five consecutive school years
Highly-qualified mathematics, science, and special education teachers can qualify for $17,500 after five years
Слайд 76.) Do you work in the public sector?
Public service employees may
be eligible to have any remaining balance forgiven after 10 years of on-time payments
Qualifying jobs include
Education
Law enforcement
Healthcare (non-profit)
Public libraries
Public legal services
More (see description)
Qualifying jobs include
Education
Law enforcement
Healthcare (non-profit)
Public libraries
Public legal services
More (see description)
Flickr/ Dave Conner
Слайд 87.) Deferments and Forbearance
A deferment is a period during which repayment
of your loan is temporarily delayed
May last up to three years during periods of hardship, such as unemployment
If you don’t qualify for a deferment, a forbearance may allow you to stop paying for up to 12 months
Unlike a deferment, interest will continue to accrue
May last up to three years during periods of hardship, such as unemployment
If you don’t qualify for a deferment, a forbearance may allow you to stop paying for up to 12 months
Unlike a deferment, interest will continue to accrue
Should be used as a last resort
