Strengthening Federal Student Aid: Reforming the Student Loan Repayment System
Strengthening Federal Student Aid: Reforming the Student Loan Repayment System
复制标题
加强联邦学生援助：改革学生贷款偿还制度
DOI：
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发表时间：
2016
期刊：
影响因子：
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通讯作者：
Martha Johnson
中科院分区：
文献类型：
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作者：
S. Baum;Martha Johnson
4000万持有联邦学生债务的美国人的贷款偿还系统很难理解，造成了官僚主义的障碍，并使许多借款人无法管理所需的付款。随着对学生债务对借款人和经济影响的担忧增加，以及贷款违约的可见性增加，许多人呼吁建立学生贷款偿还制度，以更好地保护借款人免受财务困难，使还款更容易，并显着减少违约。收入驱动偿还（IDR）的建议将为学生提供保险，以防止他们在中学后教育中的投资没有像他们希望的那样得到回报。IDR使用基于收入而不是固定付款时间表的付款系统，因此借款人在收入增加时支付更高的付款，而在收入下降时减少或不支付付款。还款一直持续到借款人完全偿还他们所借的加上利息，或者，在某些设计中，直到他们达到贷款豁免。
The loan repayment system for the 40 million Americans holding federal student debt is difficult to understand, creates bureaucratic hurdles, and leaves many borrowers with unmanageable required payments. As concerns about the impact of student debt on borrowers and the economy mount and the visibility of loan default increases, many voices are calling for a student loan repayment system that will better protect borrowers from financial hardship, make repayment easier, and significantly reduce defaults. Proposals for income-driven repayment (IDR) would provide insurance to students against the risk that their investments in postsecondary education do not pay off as well or as quickly as they had hoped. IDR uses a payment system that is based on income rather than a fixed payment schedule, so borrowers make higher payments when their incomes rise and lower or no payments when their incomes fall. Payment continues until borrowers fully repay what they borrowed plus interest, or, in some designs, until they reach loan forgiveness.