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Lus Nug: kuv muaj 73 xyoos. Kuv rho tawm cov tub ntxhais kawm qiv nyiaj hauv xyoo 1999 thiab sib sau ua ke hauv 2004. Kuv tsuas yog them ib zaug lig hauv 17 xyoo kuv tau them rov qab. Kuv tau ua haujlwm puv sij hawm ntawm ob lub tsev kawm ntawv pej xeem txij li kawm tiav xyoo 2001 txog nyiaj laus xyoo 2014. Tom qab thov kev zam txim qiv nyiaj, kuv tau ceeb toom tias cov nyiaj them ua ntej xyoo 2007 tsis suav. Cov nyiaj uas kuv tau ua hauv cov nyiaj laus tsis suav nrog. Kuv muaj $12,000 tshuav nyiaj li cas. Qhov no zoo nkaus li tsis ncaj ncees tom qab 17 xyoo uas tsis muaj nyiaj them poob haujlwm thiab tsuas yog them ib zaug xwb. Koj puas muaj lus qhia?
Struggling with student loan or other debt? Email [email tiv thaiv].
teb: "Koj tuaj yeem, zoo li, ua txhua yam yog - ua haujlwm hauv kev pabcuam pej xeem thiab ua koj cov nyiaj them - thiab tseem tsis tau txais kev zam txim vim yog daim kab xev liab uas muaj nyob rau hauv lub kaw lus," hais Anna Helhoski, NerdWallet tus kws tshaj lij nyiaj txais tub kawm ntawv. Rau cov neeg tsis paub, Qhov Kev Pabcuam Kev Pabcuam Loan Forgiveness (PSLF) kev zam txim rau qhov seem tshuav ntawm cov nyiaj qiv ncaj qha tom qab 120 cov nyiaj them txhua hli tsim nyog tau ua raws li txoj kev them rov qab tsim nyog - tab sis txawm tias Lub Tsev Haujlwm Saib Xyuas Kev Kawm nws tus kheej sau tseg tias qhov kev pabcuam no muaj qhov tsis zoo: " Qhov Kev Pabcuam Kev Pabcuam Loan Forgiveness (PSLF) yog ib qho tseem ceeb - tab sis feem ntau tsis tau ua tiav - cog lus tias yuav pab them nuj nqis los pab txhawb cov kws qhia ntawv, tus kws saib xyuas neeg mob, cov neeg tua hluav taws, thiab lwm tus pab lawv cov zej zog los ntawm kev ua haujlwm hnyav uas yog qhov tseem ceeb rau peb lub teb chaws txoj kev vam meej, "nws sau. .
Txawm li cas los xij, "muaj kev kho tam sim no los sim kho qee qhov kev pab cuam tsis txaus," Helhoski hais. Tseeb tiag, thaum Lub Kaum Hli, lub tuam tsev tau tshaj tawm cov kev hloov pauv uas tuaj yeem pab cov neeg qiv nyiaj. Nov yog cov lus piav qhia: “Peb yuav muab sijhawm ncua sijhawm txwv kom cov tub ntxhais kawm qiv tuaj yeem suav cov nyiaj them los ntawm tsoomfwv cov nyiaj qiv lossis cov phiaj xwm them rov qab rau kev zam txim. Qhov no suav nrog hom qiv thiab cov phiaj xwm them nyiaj uas tsis tau tsim nyog yav dhau los. Peb yuav nrhiav txoj hauv kev los ua kom muaj kev tsim nyog rau PSLF, muab cov neeg qiv nyiaj los kho qhov yuam kev, thiab ua kom yooj yim rau cov tswv cuab ntawm cov tub rog kom tau txais credit rau kev zam txim thaum lawv ua haujlwm. " Nyeem ntxiv ntawm no.
Hu rau koj tus kws pabcuam nyiaj qiv nyiaj hauv tsoomfwv thiab piav qhia koj qhov xwm txheej ib zaug ntxiv, qhia Andrew Pentis, tus kws pab tswv yim qiv nyiaj uas muaj ntawv pov thawj thiab cov kws paub txog nyiaj txiag ntawm Student Loan Hero. Tab sis nco ntsoov tias hmoov tsis, nws muaj peev xwm hais tias tej zaum koj yuav tsis muaj koj qhov seem tshuav wiped. "Qhov ntawd yog vim tias koj tseem tuaj yeem tau txais credit rau kev them nyiaj tom qab xyoo 2007 thiab koj tseem yuav tsum tau mus txog 120-them nqi them. Lwm qhov kev cuam tshuam ntawm tus kheej yog tias koj tau them nyiaj thaum so haujlwm thiab tsis ua haujlwm puv sijhawm. Cov nyiaj them no tseem yuav tsis suav rau 120-them them nyiaj rau PSLF, ”Pentis hais.
Feem ntau, txhawm rau kom tau txais koj cov nuj nqis los ntawm Public Service Loan Forgiveness, koj yuav tsum them nyiaj txhua hli nyob rau lub sijhawm kwv yees li 10 xyoo, thaum ua haujlwm puv sijhawm rau cov tswv haujlwm tsim nyog, kev pabcuam pej xeem, xws li tsoomfwv lossis tsev kawm ntawv pej xeem. . “Muaj ntau qhov kev ceeb toom hauv cov txheej txheem no uas tuaj yeem ua rau tsis tsim nyog. Koj yuav tsum muaj qiv nyiaj ncaj qha, piv txwv li, uas txhais tau hais tias koj feem ntau yuav tsum tau muab ntau cov nyiaj qiv rau hauv ib qho nyiaj qiv thiab tag nrho cov nyiaj them ua ntej kev sib sau ua ke tsis tsim nyog rau PSLF. Koj kuj yuav tsum tso npe rau hauv cov nyiaj tau los uas tau them rov qab, uas yuav rov pib koj lub sijhawm them nyiaj, uas txhais tau tias txhua qhov kev them nyiaj ua ntej tso npe tsis tsim nyog rau PSLF, "hais tias Helhoski. Nco ntsoov tias qee qhov kev cai them rov qab tsim nyog tau raug ncua ib ntus, raws li tsoomfwv tau piav qhia ntawm no: "Tam sim no, rau lub sijhawm txwv, cov neeg qiv nyiaj yuav tau txais credit rau lub sijhawm dhau los ntawm kev them rov qab uas yuav tsis tsim nyog rau PSLF." Saib cov ntsiab lus ntawm no.
Lub npe hu ua Temporary Expanded Public Service Loan Forgiveness tau dhau los ntawm lub Peb Hlis 2018 tsoomfwv txoj kev npaj siv nyiaj thiab suav nrog $ 350 lab lub lauj kaub rau cov neeg qiv nyiaj uas tsis ua raws li cov xwm txheej rau PSLF, tab sis tau tso npe yuam kev hauv txoj kev npaj them rov qab tsis raug. Thiab raws li tau hais los saum no, tsis ntev los no, kev zam ib ntus tau muab tso rau hauv qhov chaw kom nws yooj yim dua los suav cov nyiaj tsis tsim nyog yav dhau los. "Qhov no txhais tau hais tias cov neeg qiv nyiaj tuaj yeem tau txais lawv cov nyiaj qiv los suav rau PSLF txawm tias lawv tau ua rau hom qiv nyiaj tsis raug, tau muab sib sau ua ke yav dhau los, ua hauv kev npaj them rov qab tsis raug, ua lig lossis ncua thaum tus qiv nyiaj tau ua haujlwm hauv cov tub rog, ”hais tias Helhoski. Hauv qhov no, nws yuav ua rau kev txiav txim siab hu rau tus neeg xa khoom thiab saib seb koj puas tuaj yeem tsim nyog.
Dab tsi ntxiv, Helhoski hais tias cov neeg qiv nyiaj tuaj yeem sib sau lawv cov tub ntxhais kawm qiv nyiaj los ntawm tsoomfwv cov tub ntxhais kawm qhov chaw pabcuam thiab xa daim ntawv PSLF. Yog tias tag nrho koj cov nyiaj $ 12,000 tsis tau sib sau ua ke, koj tuaj yeem muab ntau cov nyiaj qiv hauv tsoomfwv rau hauv ib qho nyiaj qiv thiab thaum nws yuav txo koj cov nyiaj them, koj cov paj laum yuav nce ntxiv. "Tab sis nws muaj nyob rau lub sijhawm txwv nkaus xwb - txog thaum kawg ntawm Lub Kaum Hli 2022," Helhoski hais.
Don Grant, a certified financial planner at Fortis Advisors, recommends preparing an email to Federal Loan Servicing that requests the Department of Education reconsider your eligibility for Public Service Loan Forgiveness. “Include the same name under which you submitted the PSLF application and date of birth in the email and send it to [email tiv thaiv],” says Grant.
Txawm hais tias qhov kev pab cuam PSLF muaj ntau yam teeb meem, Grant hais tias, "Kuv xav txhawb kom nws rov thov dua thiab ua raws li nws. Nws tau raug tshaj tawm tias ntau tus neeg qiv nyiaj tsim nyog tau raug tsis lees paub, tab sis kev hloov pauv thiab kev txhim kho tau raug tsim los kom tshem tawm cov neeg thov ntau dua thiab pab txo cov nuj nqis. "
* Cov lus nug tau raug kho los ntawm brevity thiab clarity.
Source: https://www.marketwatch.com/picks/this-feels-very-unfair-im-73-and-worked-full-time-in-education-over-17-years-i-made-only-one-late-payment-on-my-student-loans-i-still-owe-12k-can-you-help-01643207258?siteid=yhoof2&yptr=yahoo