Yuav ua li cas kom tau tawm ntawm cov tub ntxhais kawm qiv nyiaj
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Lus Nug: Kuv yog 55 xyoo thiab yog ib tug kws kho mob hlwb. Kuv muaj $197,000 hauv cov tub ntxhais kawm qiv uas yog plaub qib, ntxiv rau qee qhov nyiaj qiv rau Niam Txiv Plus rau txhua tus menyuam yaus. Thaum mus kawm ntawv, peb nyuam qhuav tau los thiab qee cov nyiaj tau siv los ua neej nyob. Lub sijhawm kawg kuv tham nrog tus neeg pabcuam qiv nyiaj; lawv hais tias kuv cov nyiaj them yog $1,900 ib hlis. Feem ntau lub hlis, kuv them nyiaj nqa tsev yog $2,000; qee zaum tsawg.
Kuv tab tom thov cov nyiaj tau los uas tau them rov qab, tab sis kuv txhawj xeeb kuv yuav tsis them cov nyiaj qiv. Kuv muaj teeb meem kev noj qab haus huv ntau heev thiab kuv txhawj xeeb tias kuv lub peev xwm los them cov nyiaj qiv yuav poob qis. Kuv kuj pom tias ib qho kev them nqi tsim nyog yuav tsis them cov paj laum. Kuv tseem tsis muaj nyiaj laus, nyiaj khaws tseg, lossis 401(k). Raws li kuv txoj kev noj qab haus huv tsis zoo ntxiv lawm, thiab kuv yuav tsum tau ua haujlwm tsawg teev lossis tsis tas li; Yuav ua li cas rau cov nyiaj qiv? Qhov tseeb ntawm qhov xwm txheej yog tias tej zaum kuv yuav tsum xa kuv daim tshev tag nrho rau lawv tam sim no kom muaj peev xwm tshem tawm cov nuj nqis. Kuv kuj txhawj xeeb txog seb cov nuj nqis puas raug tso tawm yog tias kuv tuag. Kuv yuav ua li cas?
teb: Muaj rau tus lej hauv cov tub ntxhais kawm qiv nyiaj tuaj yeem xav tias nyuaj, tab sis xov xwm zoo yog tias koj twb tau txiav txim siab ntse heev: sim kom tau txais cov nyiaj tau los uas tau them rov qab. txoj kev npaj. Cov phiaj xwm no yog "muaj rau txhua qhov qiv ncaj qha nrog rau Niam Txiv PLUS qiv," piav qhia Anna Helhoski, tus kws tshaj lij qiv nyiaj tub ntxhais kawm ntawm NerdWallet. Nyob ntawm seb qhov kev npaj them rov qab twg koj thov thiab tsim nyog, qiv nyiaj raug zam tom qab 20 lossis 25 xyoo ntawm kev them nyiaj, txawm tias koj cov nyiaj them txhua hli yog $0 raws li koj cov nyiaj tau los. Txhawm rau kom tau txais txiaj ntsig zoo ntawm ib qho ntawm cov nyiaj tau los ntawm cov phiaj xwm them rov qab, koj yuav tsum tau muab koj cov nyiaj qiv rau hauv ib qho nyiaj qiv ncaj qha tshiab. Helhoski pom zoo siv no Federal Student Aid's Loan Simulator kom pom ntau npaum li cas koj tuaj yeem them raws li cov phiaj xwm sib txawv. (Nco ntsoov tias kev qiv nyiaj rov qab los ntawm tsoomfwv cov nyiaj qiv yuav tshem tawm qee qhov txiaj ntsig zoo li cov nyiaj tau los ntawm cov phiaj xwm them rov qab; yog tias txawm li cas los xij, ib qho ntawm koj cov nyiaj qiv yog qiv nyiaj ntiag tug, cov nqi rov qab tau qis tam sim no — saib cov tub ntxhais kawm qiv nyiaj qis tshaj plaws uas koj tuaj yeem tsim nyog rau ntawm no - yog li qhov ref yuav tsim nyog xav txog.)
Muaj lus nug txog kev tawm ntawm cov tub ntxhais kawm qiv lossis lwm yam nuj nqis? Email [email tiv thaiv].
Uas tau hais tias, qhov no yog cov nuj nqis ntau, yog li nws tuaj yeem pab koj kom tau txais tus kws tshaj lij los saib. Lub koom haum ntawm Cov Tub Kawm Ntawv Loan Advisors (TISLA) muab cov lus qhia pub dawb rau cov tub ntxhais kawm qiv thiab National Foundation for Credit Counseling (NFCC) pab nrog kev tswj hwm cov nuj nqis pub dawb thiab kev pab tswv yim qiv nyiaj rau tub ntxhais kawm nrog rau daim ntawv tshaj tawm kev tshuaj xyuas thiab kev sab laj kev lag luam. "Koj yuav tsum tau ua hauj lwm nrog ib tug neeg uas kawm tau zoo ob qho tib si nyob rau hauv ntau hom ntawm tsoom fwv teb chaws cov tub ntxhais kawm thiab niam txiv Plus cov nyiaj txais, nrog rau cov kws pab tswv yim them nuj nqis, "hais tias tus thawj coj thiab tus tsim ntawm Clarity Northwest Lisa Weil.
Ua li cas txog kev tsis taus?
Andrew Pentis, tus kws pab tswv yim qiv nyiaj rau tub ntxhais kawm ntawv pov thawj thiab tus kws tshaj lij cov nuj nqis ntawm Student Loan Hero hais tias "Koj tuaj yeem saib txog kev tsim nyog tau txais Kev Pabcuam Tag Nrho thiab Tsis Muaj Peev Xwm Mus Ib Txhis (TPD) yog tias koj cov teeb meem kho mob thaum kawg ua rau koj tsis tuaj yeem ua haujlwm," Qhov no xav kom tus kws kho mob lees paub tias tus neeg qiv nyiaj tsis tuaj yeem koom nrog cov haujlwm tau txais txiaj ntsig zoo vim tias muaj kev tsis taus tas mus li; yog tias qhov tseeb, lawv cov tub ntxhais kawm qiv nyiaj yuav raug rho tawm. "Hais txog ib nrab ntawm cov tub ntxhais kawm qiv qiv nyiaj muaj kev cuam tshuam zoo sib xws," said Mark Kantrowitz, tus sau ntawm Leej twg kawm tiav los ntawm College? Leej twg tsis yog? .
Yuav ua li cas rau koj cov tub ntxhais kawm qiv nyiaj thaum koj tuag?
Txawm hais tias nws tsis yog ib yam uas cov neeg qiv nyiaj xav xav txog, cov nuj nqis siab uas laus dua lossis muaj kev txhawj xeeb txog kev noj qab haus huv yuav txhawj xeeb txog qhov yuav tshwm sim yog tias lawv tseem muaj cov tub ntxhais kawm qiv thaum lawv tuag. "Cov xov xwm zoo siab me ntsis yog tias koj cov neeg koj hlub yuav tsis raug cuam tshuam los them cov nqi qiv nyiaj rau tsoomfwv cov tub ntxhais kawm yog tias koj tuag, thiab cov niam txiv yuav tsis tas them PLUS cov nyiaj qiv yog tias tus tub ntxhais kawm uas niam txiv qiv qiv nyiaj tuag," hais. Helhoski. Yog tias koj dhau mus, koj tus txij nkawm yuav tsum tau muab ib daim ntawv theej ntawm daim ntawv pov thawj tuag kom muaj cov nyiaj qiv tseem tshuav ntawm tsoomfwv, Pentis hais. Nco ntsoov tias cov qiv nyiaj ntiag tug ua haujlwm txawv me ntsis: Cov nuj nqis tawm rau koj tus kheej kev kawm yuav raug tso tawm, tab sis qiv nyiaj ntiag tug uas niam txiv koom nrog kos npe yuav tsis ua.
Cov lus nug edited rau brevity thiab clarity.
Source: https://www.marketwatch.com/picks/any-reasonable-payment-will-not-even-cover-the-interest-i-have-4-degrees-and-owe-197k-in-student-loans-im-now-55-have-no-savings-and-am-struggling-what-should-i-do-01649085648?siteid=yhoof2&yptr=yahoo