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Lo lus nug: Kuv yog ib tug tub rog Asmeskas tub rog, thiab kuv tau them cov nyiaj qiv uas kuv tau coj mus xa kuv tus menyuam mus kawm ntawv qib siab, tab sis cov paj laum tau tsoo txij hnub ib. Kuv muaj 60 xyoo thiab kuv tsis paub tias kuv puas tuaj yeem so haujlwm vim kuv tseem tshuav $ 36,000 hauv niam txiv qiv nyiaj. Kuv daim npav rho nyiaj tam sim no yog $ 17,000 - qhov nyiaj tshuav yog ib 1/3 ntawm qhov ntawd, tab sis nws tseem loj hlob vim hais tias cov niam txiv cov nyiaj qiv nyiaj tau chew kuv cov nyiaj txhua hli rau kev them nyiaj daim npav rho nyiaj. Kuv ntshai kuv yuav tuag nrog cov nuj nqis yam tsis muaj sijhawm so. Kuv nkees nkees thiab kuv tau ua haujlwm txog 45 xyoo ncaj. Kuv nyob hauv ib qho kev cia siab, thiab qhov muaj peev xwm ua tau tias kuv yuav nyob mus txog thaum kuv tso tseg sim ua haujlwm tawm kuv cov nyiaj qiv uas cuam tshuam rau kuv lub cev thiab nyiaj txiag lub neej. Kuv yuav ua li cas?
teb: Pamela Rodriguez, tus kws pab tswv yim nyiaj txiag ntawm Integrated Partners hais tias "Kuv pom ntau tus niam txiv nyob rau hauv qhov xwm txheej no, yog li paub tias koj tsis nyob ib leeg," "Kuv tau muaj kev sib tham ntau nrog cov niam txiv thiab cov tub ntxhais kawm txog kev qiv nyiaj rau tub ntxhais kawm yog lub qhov dub loj uas tsis pom qhov kawg. Nws tuaj yeem ua rau muaj nyiaj txiag thiab lub siab xav ua haujlwm kom taug qab cov tub ntxhais kawm qiv nyiaj, "Rodriguez hais. Cov xov xwm zoo: Muaj cov kev xaiv uas tuaj yeem ua kom sai dua thiab / lossis yooj yim dua rau cov neeg qiv nyiaj rov qab, suav nrog cov kev xaiv xws li kev zam txim rau qiv, kev xaiv them rov qab cov nyiaj tau los thiab qiv nyiaj rov qab.
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Hauv koj qhov xwm txheej, qhov tseeb tias koj yog ib tug qub tub rog yuav ua haujlwm rau koj qhov kev nyiam, vim muaj ntau cov kev pabcuam zoo li no muaj rau cov tub rog thiab qub tub rog. Rodriguez hais ntxiv tias "Cov qub tub rog tuaj yeem tsim nyog rau cov kev pabcuam tshwj xeeb uas zam kev txaus siab lossis tejzaum nws zam txim rau kev lav phib xaub," Rodriguez ntxiv. Nco ntsoov tias cov nyiaj qiv niam txiv PLUS qiv sawv cev ntawm tus menyuam kawm ntawv tuaj yeem tsim nyog, tab sis qiv niam txiv ntiag tug tsis tsim nyog rau kev zam txim. Kuj saib mus rau lwm qhov kev zam txim qiv nyiaj ntawm no.
Koj tuaj yeem tau txais koj cov nyiaj them txhua hli qis kom ua rau lawv tswj tau ntau dua. Txawm hais tias niam txiv PLUS cov nyiaj qiv tsis ncaj qha rau cov nyiaj tau los ntawm cov phiaj xwm them rov qab, yog tias koj niam koj txiv PLUS cov nyiaj qiv tau txais kev them rov qab (lub sijhawm uas ib tus pib them rov qab cov nyiaj qiv) rau lossis tom qab Lub Xya Hli 1, 2006 thiab koj muab tso ua ke rau hauv tsoomfwv cov nyiaj qiv ncaj qha. , consolidation qiv yog tsim nyog rau cov nyiaj tau los-contingent them rov qab. Mark Kantrowitz, tus sau phau ntawv "Yuav ua li cas thov kom rov hais dua rau Cov Tsev Kawm Ntawv Qib Siab Nyiaj Txiag Ntxiv." Tom qab 25 xyoo, qhov seem tshuav yuav raug zam txim. Txawm hais tias qhov no yuav tsis pab koj them rov qab cov nyiaj qiv sai dua, nws yuav ua rau koj cov nqi txhua hli qis dua, uas yuav pab tau koj them sai dua cov nuj nqis credit card. Koj tuaj yeem nyeem cov ntsiab lus ntawm no.
Tej zaum kuj yog lub sijhawm thov kom koj tus menyuam pab lub nra ntawm cov nuj nqis no. Rodriguez hais tias nws tsim nyog tshawb fawb txog kev them nyiaj rov qab (saib cov nqi qiv nyiaj qis tshaj plaws uas koj tuaj yeem tsim nyog rau ntawm no). Rodriguez hais tias "Ib tug niam txiv PLUS qiv tuaj yeem xa mus los ntawm kev them nyiaj rov qab rau tus tub ntxhais kawm," Rodriguez hais. Koj tuaj yeem nyeem ntxiv txog cov txheej txheem ntawm no. "Hmoov tsis zoo, thaum niam txiv PLUS qiv nyiaj rov qab, cov tub ntxhais kawm tsis nkag mus rau tsoomfwv cov kev xaiv them rov qab thiab lawv tsis tsim nyog tau txais cov nyiaj tau los uas cuam tshuam txog kev them rov qab," nws piav qhia. Xav txog qhov ntawd ua ntej koj refinance.
Nco ntsoov tias nws yuav yog qhov zoo tshaj plaws los sim them cov nuj nqis credit card ua ntej sim ua phem rau cov niam txiv PLUS cov nuj nqis qiv, vim tias cov paj laum ntawm daim npav rho nyiaj yuav siab dua. "Ib tug yuav tsum them nyiaj rau niam txiv PLUS cov nuj nqis qiv thiab siv tag nrho cov nyiaj seem los them cov credit card tshuav. Tsis txhob them nqi ntxiv rau daim npav rho nyiaj, "hais tias Kantrowitz.
Txawm hais tias muaj kev sib tham ntawm tus thawj tswj hwm tsim ib qho kev zam txim rau cov tub ntxhais kawm qiv nyiaj tshiab, Kantrowitz hais tias nws yuav raug txwv rau tus nqi thiab kev tsim nyog. "Tus nqi ntawm $ 50,000 hauv kev zam txim qiv yuav ntau dua $ 1 trillion duas las thiab yuav tshem tawm tsoomfwv cov tub ntxhais kawm qiv cov nuj nqis ntawm 80% ntawm cov qiv nyiaj. Txawm tias $ 10,000 hauv kev zam txim qiv nyiaj uas yuav tshem tawm tsoomfwv cov tub ntxhais kawm qiv cov nuj nqis ntawm ib feem peb ntawm cov qiv yuav raug nqi $ 373 billion. Yog tias lawv txwv kev zam txim rau cov neeg qiv nyiaj uas tshuav $ 10,000 lossis tsawg dua, tus nqi yuav yog $ 75 billion. Nws yuav zoo dua tsom rau cov neeg qiv nyiaj uas muaj kev ntxhov siab nyiaj txiag, "hais tias Kantrowitz.
Rodriguez hais tias, "Txoj xov zoo yog tias muaj cov kev xaiv nyob ntawd," tab sis lawv yuav xav tau kev ua haujlwm me me kom paub seb dab tsi muaj rau koj tus kheej qhov xwm txheej."
* Cov lus nug kho kom meej meej thiab brevity.
Tau qhov twg los: https://www.marketwatch.com/picks/i-fear-i-will-die-with-the-debts-without-a-chance-of-retirement-im-a-60-year-old- veteran-who-took-out-student-loans-for-my-child-years-later-i-still-owe-36k-what-should-i-do-01641487884?siteid=yhoof2&yptr=yahoo