学生贷款-发放，偿还和主要好处

A student loan in the USA is a profitable investment in education for both Americans and foreign citizens.

The practice of issuing funding for education in the United States is in demand due to the fact that a family with an average income does not have the required funds for covering education. Otherwise, becoming a student of a prestigious university is an almost unattainable goal. The cost of studying in the United States for foreigners on credit is two or three times more expensive than what is offered for American citizens. 但, 申请贷款前, it is important to understand how the system works and how to use them correctly.

There are two types of loans for education 在美国 to choose from:

• 联邦;
• 私人.

International students have only one option – Private International Student Loan.

• There are 45 million borrowers 在美国 who have total student loan debt of nearly $ 1.6万亿年.
• 学生贷款金额中位数:17000美元.
• 6% of all students (1,373,000) have taken out 私人 loans in the last couple of years.
• Almost 90% of student loans issued in 2019 were federal loans from the US Department of Education.

美国学生贷款. 它们是如何工作的??

The unique credit education system in the United States is aimed solely at financing, 但是它与信用卡和银行贷款有什么不同呢?

成本相对较低

Firstly, an education loan in the United States is often cheaper than for other needs. 降低成本的因素:

• federal student loans issued through the US government come with borrower-friendly features: interest rates are relatively low and set for new borrowers, so there is no need to worry about sudden changes in interest costs;
• interest costs may be subsidized (or paid by the government) for some students;
• 对贷款人来说，学生贷款的风险水平相当低, as some lenders fix the likely amount of income available to pay off the loan.

短期贷款能支付学费吗?

Unfortunately, a short-term loan will not be able to cover the cost of studying at a US university. This requires an amount much more than the payday lenders offer. 当然, 这种贷款可以支付与学费相关的小额费用, 比如买书, 办公必备用品, 或者支付住宿费用. You will need a large amount, and, accordingly, a long-term loan to pay the full cost of education. 如果你想知道两者的区别 短期贷款与长期贷款，您可以在链接下面阅读详细信息. It will show the exact difference between these financial options that help cope with money lack.

频繁的批准

Most students do not have high paying jobs or high credit scores. Nevertheless, the credit education system in the United States is loyal and promising. Financial organizations provide loans quite easily, subject to the basic terms. It is imperative to pay on time so that it is easier to apply for other loans in the future.

稳定支付的好处

• Graduation postponement (interest expense on subsidized loans may even be paid so that the loan balance does not increase).
• 联邦学生贷款通常提供失业延期.
• In cases of money shortages, federal student loans can adjust monthly payments.
• 学生贷款利息可以帮助降低税收.
• Borrowers with federal student loans can qualify for relief after 10 years of repayment.

学生贷款:还款

The possibility of education in the United States on credit is of great interest. 然而, 在同意财务义务之前, it is important to analyze not only the possibility of training itself, 还有为学生打开的前景, 以及对贷款人的真正责任.

The attraction lies in the fact that many employers are interested in experienced staff who has received a good education. 通过雇佣他们, they are ready to provide their employees with partial assistance, 包括偿还学生贷款吗.

这种援助可以分为两类:

• a fixed contribution regardless of how much the employee pays for the US student loan.
• 等于每月还款额的金额.

An employee must meet a number of established requirements to receive compensation for credit payments from an employer. The chances of getting help with paying for training in companies with similar options are higher for those employees who are in demand in their field and have been working for a long time. 同时, the employer has the right to set limits on the amount of compensation and the duration of its validity.

As of 2018, only 4% of companies paid their employees benefits to pay for an American education loan. 但, 统计数据显示, 这正逐渐成为一种普遍现象, and every year more and more employers offer financial assistance in repaying educational loans.

In addition to being interested in motivating and developing employees, such a policy allows you to stand out favorably among other firms. The leaders in this area include many companies with high-profile names:

• 雅诗兰黛 (total compensation of contributions for the entire period of study can be up to $ 10, 000, 最低支持金额为每月100美元).
• 企鹅兰登书屋 (出版社出价1美元,每年200英镑的支持, 所有学费的最高补偿不超过9美元,000).
• 第一共和国银行 (the amount of support may be different: $ 100 monthly for the first year of study, 第二年150美元, 第三次及以后的200美元, 直到债务全部还清。.
• CommonBond (suggested for a lifetime limit of no more than $ 1,200 per year or $ 100 monthly).
• 安泰 (a medical corporation offering up to $ 10, 000 total to its student staff).

在2019年初, 在美国, a draft was submitted for discussion on the legal participation of employers in the repayment of educational loans of their employees. In this case, the amount paid (up to $ 5,250) will not be taxed. This law will stimulate employers to hire specialists with credit obligations.

类别: 一般信息

标签:金融，学生贷款，学生，学习