如何快速还清学生贷款
学习如何使偿还学生贷款更容易管理.
如果你背负着学生贷款债务，你并不孤单. Among the college students graduating in the class of 2019, 69%的人有学生贷款 平均负债两万九千美元. 虽然这个数字可能令人生畏, a well-thought-out game plan can make paying off student loans more manageable.
探索你的选择
The standard repayment schedule for federal student loans is 10 years. But that may not necessarily work for you if your starting salary is low or you're having a hard time finding a job.
一定要评估你的 学生贷款还款选择. Federal student loans have a number of important features and protections to help make payments more manageable, such as income-based options allowing you to make payments that are a percentage of your income. 你也可以申请延期或延期, which lets eligible borrowers temporarily suspend payments. During 忍耐, you will still be responsible for the interest that accrues. If you qualify for deferment, you may not need to pay interest.
Most lenders provide a six-month grace period after students graduate. 等待开始偿还贷款可能很诱人, 但如果你有工作，考虑马上开始. Not only will you start whittling away at the principal before interest kicks in, you'll get used to living on your after-loan-payment income.
制定战略，分清轻重缓急
When faced with large and long-term debt such as a student loan, it can be tempting to ignore the difficult numbers and seemingly unconquerable timeline. But you'll be far better off in the long run if you carve out some time early on to develop strategies to pay off student loans.
Start with a list of all your student loans — and any other debt, such as credit card bills — and get a firm grasp on how much you owe on each loan and what the interest rates are.
底线: Dedicate extra cash to paying down loans with the highest interest rates or use the debt-snowball strategy, which advocates knocking off the smallest loans first as quickly as possible.
分析你的预算
之间的租金, 公用事业公司, 偶尔和朋友出去玩一晚, it can be hard to see w在这里 student loans fit into the picture. A 预算 我能帮你处理一下吗. 要简化任务，请尝试 50/30/20预算规则 method: No more than 50% of your income should go toward fixed expenses like rent, food and 公用事业公司; dedicate 20% of your income for savings and debt repayment; and spend 30% or less on discretionary expenses (i.e. “有趣的钱”).
提示: Look at your life for areas of overspending and consider using apps to analyze habits and bills for potential savings.
不要单打独斗
检查一下你的雇主是否有 学生贷款援助 计划帮助付款. While very few employers currently offer student loan repayment assistance as a benefits perk, 更多计划, 检查一下也无妨!
再融资与否?
你也许可以省下利息 为你的学生贷款再融资. 但在此之前, make certain you won't need to take advantage of the features and protections offered by federal loans such as deferment, 忍耐, repayment plan options and public service loan forgiveness. Once you refinance to private loans, in most cases, all of that protection and flexibility goes away.
底线: Evaluate your options before you change things up and find the best way to pay off student loans.
