Exploring your Student Loan Repayment Options
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- Aubrey Joseph
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1 Explring yur Student Lan Repayment Optins
2 Student Lan Crisis Yu Are Nt Alne! Currently at $1.26 trillin Increasing at $2,854 per secnd Average debt lad $29, millin Americans carrying student lan debt Surce:
3 Current Student Prfile Cllege Graduates and Emplyment:
4 Private vs. Federal Lans Private Lans: Made by a lender such as a bank, credit unin, state agency r schl Private lans accunt fr $100B dllars f student lan debt balance (8%) Repayment ptins are at the discretin f each private lender Federal Lans: Lans funded by the federal gvernment Federal lans accunt fr $1.16T dllars f the student lan debt balance (92%) Multiple repayment ptins available Federal lans prvide benefits that private lans d nt (subsidized lans, in-schl deferment, incme-driven plans & Public Service Lan Frgiveness) PRIVATE Student Lans vs FEDERAL Student Lans
5 Private Lan Brrwers Optins Available fr Private Lans: Pstpnement Lwer Payments Cnslidatin Cntact yur private lender directly t ask abut temprarily pstpning payments if yu're experiencing any f the fllwing: Returning t schl Ecnmic hardship Unemplyment Natural Disaster Military Deplyment Certain private lans may qualify fr lwer payments. Cntact yur private lender t see if yu qualify fr: Interest-nly payments Extending yur lan term Resurces Private student lan cnslidatin may ffer mre favrable repayment terms if yur credit has imprved since yu riginally brrwed yur student lans. Be sure t ask the lender: Whether the interest rate is fixed r variable Whether there are any fees assciated with the cnslidatin If there are prepayment penalties
6 Federal Lan Brrwers What Kind f Help is Available? Pstpnement Cnslidatin Repayment Optins Lan Frgiveness Discharge
7 Repayment Optins Standard Repayment Plan: Brrwers make mnthly payments f at least $50 fr up t 10 years. All brrwers are autmatically enrlled in this plan upn graduatin. Qualificatins: Lan Types Direct Subsidized and Unsubsidized Lans Subsidized and Unsubsidized Federal Staffrd Lans All PLUS lans Set up payments n autmatic-debit t take advantage f a 0.25% reductin in yur interest rate.
8 Repayment Optins Graduated Repayment Plan: Payments start lwer then increase every tw years fr up t 10 years. Qualificatins: Lan Types Direct Subsidized and Unsubsidized Lans Subsidized and Unsubsidized Federal Staffrd Lans All PLUS lans Can be extended fr brrwers with mre than $30,000 in student lan debt up t 25 years
9 Repayment Optins Extended Repayment Plan: Payments may be fixed r graduated fr up t 25 years. Qualificatins: Lan Types Direct Subsidized and Unsubsidized Lans Subsidized and Unsubsidized Federal Staffrd Lans All PLUS lans If yu are a: Direct Lan brrwer, yu must have mre than $30,000 in utstanding Direct Lans FFEL brrwer, yu must have mre than $30,000 in utstanding FFEL Prgram lans Fr bth prgrams, yu must als be a "new brrwer" as f Oct. 7, 1998
10 Repayment Optins Incme-Based Repayment Plan: Yur maximum mnthly payments will be 15% f discretinary incme, the difference between yur adjusted grss incme and 150% f the pverty guideline fr yur family size and state f residence (ther cnditins apply). Yur payments change as yur incme changes; yu have up t 25 years t pay in full. Qualificatins: Lan Types Direct Subsidized and Unsubsidized Lans Subsidized and Unsubsidized Federal Staffrd Lans All PLUS lans made t students Cnslidatin Lans (Direct r FFEL) that d nt include Direct r FFEL PLUS lans made t parents Yu must have a partial financial hardship
11 Repayment Optins Incme-Cntingent Repayment Plan: Payments are calculated each year and are based n yur adjusted grss incme, family size, and the ttal amunt f yur Direct Lans. Yur payments change as yur incme changes; yu have up t 25 years t pay in full. Qualificatins: Lan Types Direct Subsidized and Unsubsidized Lans Direct PLUS Lans made t students Direct Cnslidatin Lans T avid negative amrtizatin, yu can make extra payments n yur student lans. Be sure t advise yur servicer t apply the extra funds t yur principal balance, instead f simply advancing yur due date.
12 Repayment Optins Pay-as-yu-Earn Repayment Plan: Yur maximum mnthly payments will be 10 percent f discretinary incme, the difference between yur adjusted grss incme and 150 percent f the pverty guideline fr yur family size and state f residence (ther cnditins apply). Yur payments change as yur incme changes; yu have up t 20 years t pay in full. Qualificatins: Lan Types Direct Subsidized and Unsubsidized Lans Direct PLUS lans made t students Direct Cnslidatin Lans that d nt include (Direct r FFEL) PLUS lans made t parents Yu must be a new brrwer n r after Oct. 1, 2007, and must have received a disbursement f a Direct Lan n r after Oct. 1, 2011 Yu must have a partial financial hardship
13 Frgiveness Busting the Myths f Student Lan Frgiveness: MYTH: All student lan brrwers are entitled t enrll in the Obama Frgiveness Prgram. FACT: First, there is nthing called the Obama Frgiveness Prgram r Obama Lan Frgiveness. There are a number f federal student lan repayment prgrams intrduced in recent years that ffer the ptential fr lan frgiveness. These plans include: Incme-Based Repayment, Pay-as-yu-Earn and Public Service Lan Frgiveness. MYTH: If I qualify fr lan frgiveness, my student lan debt will immediately disappear. FACT: Mst brrwers wh qualify fr federal student lan frgiveness still have t pay back a prtin f their debt frm 10 t 25 years wrth after which the remaining balance is frgiven. MYTH: If I dn t qualify fr federal student lan frgiveness, I can just pay smene t arrange it. FACT: This is simply nt true. Any persn r cmpany telling yu therwise is nt being hnest abut what they can ffer. Remember if smething seems t gd t be true, it prbably is.
14 Frgiveness Public Service Lan Frgiveness: This prgram prvides an pprtunity fr yu t get ut f debt within ten years if yu wrk in a public service jb. Yu must meet a specific set f criteria t qualify. Qualificatins: Only Direct Lans are eligible (cnslidatin may be necessary) Must make 120 (10 years) n-time, full scheduled payments Only payments made after Octber 1, 2007 cunt Must be wrking full-time (30 hurs per week) in a qualifying public service rganizatin r nnprfit (THIS MEANS YOU!)
15 Case Study Backgrund: Kim is a prfessr. She is married with a family size f fur. Her adjusted grss incme is $85,000. She has 12 student lans that ttal $101,000 with a mnthly payment f $989. Actins Taken: Cnslidated 12 lans int ne Direct Lan resulting in ne mnthly payment Enrlled in the Incme-Based Repayment Plan Cmpleted the paperwrk t start Public Service Lan Frgiveness Outcmes: New student lan payment: $615 Mnthly savings: $374 Eligible t have mre than $15,990 f federal lans frgiven (nn-taxable)* *Based n current payment amunt and 120 qualified payments
16 Case Study Backgrund: Jane wrks in public service. She is married with a family size f three. Jane s ttal husehld incme is $140,100. She has 5 student lans that ttal $35,777; they are current but Jane wants t knw what ptins she has t pay her lans ASAP. Actins Taken: Evaluated the current affrdability f Jane s student lans Determined if Public Service Lan Frgiveness (PSLF) wuld be beneficial Outcmes: Remain n Standard 10 Year Repayment Current mnthly student lan payment was affrdable Fastest repayment ptin t meet gal Did nt enrll in PSLF N benefit as her lans wuld be paid in full prir t the 10 years
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