Cov tub ntxhais kawm qiv yuav kim dua - Nov yog cov nqi tshiab

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Cov tub ntxhais kawm qiv yuav kim dua xyoo no. Nov yog cov nqi tshiab.

Nov yog yam koj yuav tsum paub - thiab nws txhais li cas rau koj cov tub ntxhais kawm qiv.

Tub Ntxhais Kawm Ntawv cov nyiaj txais

Cov xov xwm phem rau cov tub ntxhais kawm qiv nyiaj: Cov tub ntxhais kawm qiv cov paj laum ntawm tsoomfwv cov tub ntxhais kawm qiv nyiaj tau nce siab rau xyoo kawm ntawv yuav los txog rau lub Xya Hli 1, 2022. Ntawm no yog cov tub ntxhais kawm qiv cov paj laum tshiab:

Undergraduate Student Loans (Subsidized thiab Unsubsidized)

Tus nqi tshiab: 4.99%
Tus nqi tam sim no: 3.73%

Graduate Student Loans (Unsubsidized)

Tus nqi tshiab: 6.54%
Tus nqi tam sim no: 5.28%

Parent PLUS Loans thiab Grad PLUS Loans (PLUS Loans)

Tus nqi tshiab: 7.54%
Tus nqi tam sim no: 6.28%

Cov Nyiaj Txais Kawm Ntawv: Q&A

Vim li cas cov tub ntxhais kawm qiv nyiaj yuav kim dua?

Txhua lub Tsib Hlis, Congress tau teeb tsa tsoomfwv cov tub ntxhais kawm qiv cov paj laum rau xyoo kawm ntawv yuav los tom ntej raws li kev sib tw ntawm 10-Year Treasury sau ntawv. Tsoom Fwv Teb Chaws Reserve tau nce cov paj paj rau xyoo no los pab tswj kev nce nqi. Qhov nce ntawm cov paj laum tau ua rau cov neeg siv khoom siv cov nuj nqis los ua tus nqi kim dua.

Thaum twg cov tub ntxhais kawm qiv cov paj laum yuav siv tau?

Cov paj laum tshiab no tau pib txij Lub Xya Hli 1, 2022 txog rau Lub Rau Hli 30, 2023.

Cov tub ntxhais kawm qiv twg qhov no cuam tshuam?

Cov paj laum tshiab siv rau tsoomfwv qib siab tub ntxhais kawm qiv nyiaj (ob leeg pab nyiaj thiab tsis them nyiaj), kawm tiav tub ntxhais kawm qiv nyiaj (unsubsidized), thiab Direct PLUS Loans (xws li Niam Txiv PLUS Loans thiab PLUS Qiv rau cov kawm tiav lossis qib kev tshaj lij) qiv tom qab Lub Xya Hli 1, 2022.

Cov tub ntxhais kawm qiv nyiaj yuav nce li cas?

Cov tub ntxhais kawm qiv cov paj laum yuav nce 1.26% feem pua cov ntsiab lus. Raws li feem pua ntawm cov hauv paus, txawm li cas los xij, qhov kev nce paj no yog qhov tseem ceeb:

Undergraduate cov tub ntxhais kawm qiv: 33.8%

Cov nyiaj qiv kawm tiav: 23.9%

Direct PLUS Qiv: 20.1%

Qhov kev nce no puas cuam tshuam rau kuv cov tub ntxhais kawm qiv nyiaj?

Yog tias koj muaj tsoomfwv cov tub ntxhais kawm qiv nyiaj uas twb muaj lawm, yuav tsis muaj kev cuam tshuam rau koj cov paj laum. Qhov no yog vim tsoomfwv cov tub ntxhais kawm qiv nyiaj muaj cov paj laum uas yuav tsis hloov pauv lub neej ntawm koj cov tub ntxhais kawm qiv. Txawm li cas los xij, yog tias koj qiv cov tub ntxhais kawm qiv nyiaj tshiab tom qab Lub Xya Hli 1, 2022, ces koj qhov tshiab tsoomfwv cov tub ntxhais kawm qiv yuav muaj tus paj laum ntau dua.

Puas yog cov paj laum tshiab no cuam tshuam rau kuv cov tub ntxhais kawm qiv nyiaj?

Tsis yog, cov tub ntxhais kawm qiv nyiaj tshiab no tsuas yog siv rau tsoomfwv tub ntxhais kawm qiv nyiaj. Tsoom fwv teb chaws txiav txim cov paj laum rau tsoom fwv cov tub ntxhais kawm qiv. Hauv qhov sib piv, cov qiv nyiaj ntiag tug txiav txim siab cov paj laum rau cov qiv nyiaj ntiag tug. Txawm hais tias tsoomfwv cov tub ntxhais kawm qiv nyiaj tau txais cov paj laum tas li, cov qiv nyiaj ntiag tug yuav muaj cov paj laum ruaj lossis hloov pauv. Koj yuav tsum tau nrog koj tus qiv nyiaj los txiav txim seb koj cov qiv nyiaj ntiag tug puas yuav muaj cov paj laum ntau dua.

Puas yog cov paj laum tshiab ntawm cov tub ntxhais kawm qiv nyiaj ruaj khov lossis hloov pauv?

Cov paj laum tshiab no yog cov paj laum tas li. Vim li cas? Tag nrho tsoomfwv cov tub ntxhais kawm qiv nyiaj tau txais cov paj laum tas, uas txhais tau tias koj cov paj laum ntawm koj cov nyiaj qiv nyiaj hauv tsoomfwv yuav tsis hloov txawm tias yuav muaj dab tsi tshwm sim rau cov paj laum.

Kuv puas tuaj yeem qiv cov tub ntxhais kawm qiv tam sim no kom tau txais tus nqi qis dua?

Koj tsis tuaj yeem qiv cov tub ntxhais kawm qiv nyiaj tshiab tshiab rau xyoo kawm ntawv yuav los ua ntej Lub Xya Hli 1, 2022. Hmoov tsis zoo, koj yuav tsis tuaj yeem tau txais tus nqi qis dua ntawm tsoomfwv cov tub ntxhais kawm qiv nyiaj tshiab ua ntej ntawd.

Yuav ua li cas txo cov paj laum ntawm koj cov tub ntxhais kawm qiv

Cov tub ntxhais kawm qiv nyiaj rov qab yog txoj hauv kev zoo tshaj los txo cov paj laum ntawm koj cov tub ntxhais kawm qiv. Refinancing tuaj yeem pab koj txuag nyiaj, them cov tub ntxhais kawm qiv sai dua, thiab tawm ntawm cov nuj nqis. Koj tuaj yeem thim rov qab qiv nyiaj ntiag tug lossis tsoomfwv cov tub ntxhais kawm qiv, lossis ob qho tib si.

Qhov no tub ntxhais qiv nyiaj txais nyiaj laij lej qhia koj ntau npaum li cas koj tuaj yeem txuag tau los ntawm cov tub ntxhais kawm qiv nyiaj rov qab.

Thaum koj rov qiv nyiaj rau cov tub ntxhais kawm qiv, koj tau txais cov tub ntxhais kawm qiv nyiaj tshiab nrog tus nqi qis dua thiab them nyiaj ib hlis. Xaiv cov paj laum ruaj lossis hloov pauv raws li cov tub ntxhais kawm qiv nyiaj rov qab los ntawm 5 txog 20 xyoo.

Yuav kho kom zoo koj cov tub ntxhais kawm qiv, koj yuav xav tau tus qhab nia credit tsawg kawg yog 650, ua haujlwm lossis muaj haujlwm ua haujlwm, muaj cov nyiaj tau los ruaj khov txhua hli, thiab muaj nyiaj ntsuab txhua hli los them koj cov nyiaj qiv nyiaj thiab lwm yam nuj nqis nyob. Yog tias koj xav tau cov phiaj xwm them rov qab los ntawm cov nyiaj tau los, tab tom nrhiav kev zam txim rau pej xeem qiv nyiaj (lossis cov txiaj ntsig zoo ib yam ntawm tsoomfwv lossis cov kev pabcuam), ces tsis pom zoo kom them nyiaj rov qab rau tsoomfwv cov tub ntxhais kawm qiv nyiaj (tab sis koj yuav tsum rov them koj cov qiv nyiaj ntiag tug). Yog tias koj ua tsis tau raws li qhov yuav tsum tau ua kom tau txais nyiaj rov qab, koj tuaj yeem thov nrog tus kws kos npe tsim nyog uas tuaj yeem pab koj tau txais kev pom zoo thiab tau txais tus nqi qis dua. Qee tus qiv nyiaj yuav tso tus cosigner tom qab koj tau txais kev pom zoo thiab ua tau raws li qee qhov kev xav tau.