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:
International students have only one option – Private International Student Loan.
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?
Firstly, an education loan in the United States is often cheaper than for other needs. 降低成本的因素:
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.
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.
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.
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:
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.