根據(jù)環(huán)聯(lián)(TransUnion)的一項新研究,由于9月份聯(lián)邦學生貸款償付恢復,數(shù)百萬美國人每月面臨至少500美元的家庭預算沖擊。
該信用報告機構(gòu)調(diào)查了約2700萬學生貸款借款人所受的影響(他們將在9月份恢復學生貸款償付,此前由于疫情,學生貸款支付暫停長達三年多時間)。對于許多2020年后畢業(yè)的學生來說,這將是他們第一次需要償還學生貸款。
報告發(fā)現(xiàn),大約一半受影響的學生貸款借款人每月還款額將超過200美元,而大約五分之一的借款人每月還款額將超過500美元。環(huán)聯(lián)表示:“當借款人試圖重新調(diào)整每月預算以適應這種新的還款額時,他們將經(jīng)歷還款沖擊。”
學生貸款償付恢復對美國消費者來說是另一大不利因素(即使在美聯(lián)儲加息一年多之后,美國消費者支出仍保持彈性,有助于推動經(jīng)濟增長)。
環(huán)聯(lián)的研究發(fā)現(xiàn),許多學生貸款借款人在疫情期間還背負了其他類型的債務,隨著利率的上升,還款成本可能會更高,從而加劇了壓力。
這些額外的債務“可能會給那些試圖將學生貸款重新納入每月預算的家庭帶來更多挑戰(zhàn)?!杯h(huán)聯(lián)消費貸款業(yè)務主管利茲·佩格爾(Liz Pagel)說?!爸陵P(guān)重要的是,借款人和消費者都必須做好準備,以應對新還款沖擊?!?/p>
年齡較大的借款人,許多是為了支付子女的教育費用而負債的,他們的學生貸款債務往往較大,月還款額也更高。
拜登政府試圖通過貸款減免計劃來減輕一些借款人的債務負擔,但上個月遭到最高法院的駁回。在最高法院作出這一裁決后,白宮宣布了一項為期12個月的計劃,以緩解學生貸款償付恢復帶來的沖擊。
到2024年9月底,盡管償還的利息將繼續(xù)累積,但未能按月還款的借款人將不會被視為違約,未支付到期價款(分期付款)也不會被報告給征信機構(gòu),不會被列為違約,也不會被移交給債務催收機構(gòu)。(財富中文網(wǎng))
譯者:中慧言-王芳
根據(jù)環(huán)聯(lián)(TransUnion)的一項新研究,由于9月份聯(lián)邦學生貸款償付恢復,數(shù)百萬美國人每月面臨至少500美元的家庭預算沖擊。
該信用報告機構(gòu)調(diào)查了約2700萬學生貸款借款人所受的影響(他們將在9月份恢復學生貸款償付,此前由于疫情,學生貸款支付暫停長達三年多時間)。對于許多2020年后畢業(yè)的學生來說,這將是他們第一次需要償還學生貸款。
報告發(fā)現(xiàn),大約一半受影響的學生貸款借款人每月還款額將超過200美元,而大約五分之一的借款人每月還款額將超過500美元。環(huán)聯(lián)表示:“當借款人試圖重新調(diào)整每月預算以適應這種新的還款額時,他們將經(jīng)歷還款沖擊?!?
學生貸款償付恢復對美國消費者來說是另一大不利因素(即使在美聯(lián)儲加息一年多之后,美國消費者支出仍保持彈性,有助于推動經(jīng)濟增長)。
環(huán)聯(lián)的研究發(fā)現(xiàn),許多學生貸款借款人在疫情期間還背負了其他類型的債務,隨著利率的上升,還款成本可能會更高,從而加劇了壓力。
這些額外的債務“可能會給那些試圖將學生貸款重新納入每月預算的家庭帶來更多挑戰(zhàn)?!杯h(huán)聯(lián)消費貸款業(yè)務主管利茲·佩格爾(Liz Pagel)說。“至關(guān)重要的是,借款人和消費者都必須做好準備,以應對新還款沖擊?!?/p>
年齡較大的借款人,許多是為了支付子女的教育費用而負債的,他們的學生貸款債務往往較大,月還款額也更高。
拜登政府試圖通過貸款減免計劃來減輕一些借款人的債務負擔,但上個月遭到最高法院的駁回。在最高法院作出這一裁決后,白宮宣布了一項為期12個月的計劃,以緩解學生貸款償付恢復帶來的沖擊。
到2024年9月底,盡管償還的利息將繼續(xù)累積,但未能按月還款的借款人將不會被視為違約,未支付到期價款(分期付款)也不會被報告給征信機構(gòu),不會被列為違約,也不會被移交給債務催收機構(gòu)。(財富中文網(wǎng))
譯者:中慧言-王芳
Millions of Americans face a hit of at least $500 a month to their household budgets from the restart of federal student loan payments in September, according to a new study by TransUnion.
The credit reporting agency examined the impact on some 27 million student-debt holders who are due to start paying again in September, after a pandemic freeze that lasted more than three years. For many who graduated since 2020, it’ll be the first time they’ve ever had to make the payments.
For about half of the affected student-debt holders, the monthly payment will be above $200 a month, while for about one in five it will be more than $500, the report found. “Borrowers will experience a payment shock as they attempt to recalibrate their monthly budgets to accommodate this new payment,” TransUnion said.
The student-debt restart is another headwind for US consumers, whose resilient spending has helped keep the economy expanding even after more than a year of interest-rate increases by the Federal Reserve.
Compounding the strain, many of the student-loan borrowers have taken on other kinds of debt during the pandemic, likely at a higher cost as rates went up, the TransUnion study found.
Those additional debts “may pose added challenges for households attempting to reintegrate student loan payments into their monthly budget,” said Liz Pagel, head of TransUnion’s consumer lending business. “It’s important for both lenders and consumers to be prepared for this new payment shock.”
Older borrowers, many who have taken on debt to pay for the education of their children, tend to have larger student loan debts and bigger monthly payments.
The Biden administration’s effort to ease the debt burden for some borrowers with loan forgiveness was blocked by the Supreme Court last month. After that ruling, the White House announced a 12-month program to cushion the blow of payment resumption.
Through the end of September 2024, borrowers who fail to make monthly payments will not be considered delinquent, and the missed installment will not be reported to credit bureaus, placed in default or referred to debt collection agencies, although interest will continue to accrue.