How to Pay Off Your 学生 Loan 债务 Faster: 10条建议

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 more financial freedom to buy a house, start a business or save for retirement. Less student loan debt also 的意思是s a better 信用评分 and, even better, less stress in your life.

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.

的方法 还清你的学生贷款 快

1. 做预算 坚持下去
   当你 制定预算 to track your income and expenses, you can find out where your money is going each month. See where you can make some changes to free up more money for paying off 你的贷款.
    
   
2. 想出办法 一个计划
   Once you’ve reviewed your budget, make 一个计划 for how you’ll 还清你的学生贷款. 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.
    
   
3. 使 额外的支付
   If you can afford to, make 额外的支付 on 你的贷款 each month or whenever you can swing it. Not only will this help you pay off those student loans 快, 但你也可以省下利息.
    
   
4. 再融资 你的贷款
   If you have high-interest student loans, you may be able to refinance them to a lower interest rate with a private lender. 如果你采取这一步, you’ll lose federal loan protections if you transition to a private lender.
    
   
5. 生活 入不敷出
   你可能不得不牺牲一些 个人支出, but won’t it feel good to be debt-free? 取消 that cable subscription and put those funds toward paying off 你的贷款.
    
   
6. 找到一个 侧推
   想出办法 even more money to pay off 你的贷款 (or to go out to lunch once in a while) with a part-time job or a 侧推, 或通过 在家上网工作.
    
   
7. 寻求帮助 财务顾问
   If you’re struggling with student loan repayment, consider getting help from a 财务顾问. Patelco会员可以联系a 注册金融专员 帮你检查预算, 创建付款计划, and keeping on track to reach your financial goals.
    
   
8. 利用 学生贷款减免计划
   If you have federal student loans, the U.S. Department of 教育 has 学生贷款减免计划 for teachers, 公共服务工作者, 和珀金斯贷款受助人, or you may be eligible for an income-driven repayment (IDR) plan. These programs typically require making payments for a set period of time; once you’ve met the requirements, 您的余额被勾销了.
    
   See if you’re eligible for any 学生贷款减免计划 or an income-driven repayment plan, 比如 拯救计划.
    
   Other programs may be available for healthcare workers, 牙医, 公共服务的律师, 和兽医, 等.
    
   
9. 保持 通知
   Understand the terms of 你的贷款 and how they work so you can make the best decisions about paying them off. Stay 通知 with the latest federal policies and legislation related to student loans. Although the US Supreme Court recently ruled against an attempt to cancel $430 billion in student loan debt, there are certain 政府ernment provisions that may still help lessen or forgive your debt.
    
   
10. 保持积极性 不要放弃
    Paying off your student loans can be a long process, but it’s important to stay motivated.

结尾是什么 暂停偿还学生贷款 的意思是?

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.

了解新事物 拯救计划

如上所述, the US Supreme Court recently ruled against an attempt to cancel $430 billion in student loan debt, but there are new opportunities available, 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.

避免 学生贷款诈骗

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.