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2023 Is Here -- and the Big Questions about Student Debt Still Loom Advertiser disclosure You're our first priority. Every time. We believe that everyone should be able to make financial decisions with confidence. Although our website does not contain every company or financial product that is available, we're proud of the advice we offer as well as the advice we provide and the tools we develop are impartial, independent easy to use and free. How do we earn money? Our partners pay us. This could influence the types of products we write about (and the places they are featured on the website), but it in no way affects our advice or suggestions, which are grounded in hundreds of hours of research. Our partners do not be paid to ensure positive reviews of their products or services. . 2023 is Here -- And Big Questions on Student Debt Still Loom As 2023 progresses, major questions remain regarding new repayment plans and bankruptcy rules and more. Written by Eliza Haverstock Lead Writer | Student loan repayment alternative to college Eliza Haverstock is a lead writer for NerdWallet's students loans team, which focuses on loan repayment and alternative options to traditional four-year degrees. Previously, she reported on billionaires and investing, personal finances and fraud in fintech in Forbes on the streets of New York, and she also covered private markets for PitchBook in Seattle. Eliza got started at her college newspaper at the University of Virginia and interned for Bloomberg and Bloomberg, where she worked for an entire year writing a story on plastic straws. She is based at Washington, D.C. January 4, 2023 Editor: Karen Gaudette Brewer Assigning Editor Public policy Student loans Karen Gaudette Brewer joined NerdWallet with more than 20 years' journalism experience, including working in newsrooms and managing editorial teams. She was most recently as executive editor for HealthCentral. She launched her journalism career with The Associated Press and later worked for The (Riverside) Press-Enterprise, The Seattle Times, PCC Community Markets and Allrecipes.com. The writing she has done for her was honored with awards from the Society for Features Journalism and the Society of Professional Journalists. She has written two books on Pacific Northwest. Pacific Northwest. The majority or all of the products we feature are provided by our partners, who pay us. This impacts the types of products we feature as well as the place and way the product is featured on a page. However, it does not influence our evaluations. Our opinions are our own. Here is a list of and . From repayment policy changes to a massive one-time debt forgiveness plan 2022 was an eventful year for student loans. But there are still questions about students' loan announcements, and answers are scarce and difficult to find. We do not know for sure how, when or if certain changes are going to develop into. As 2023 dawns in 2023, here are the top concerns about the issue of student loans as well as what borrowers can do to prepare for the uncertain future. Is student debt cancellation still happening? The rollout of the plan has been halted due to legal issues. of President Biden's program for qualified borrowers and $20,000 for qualifying Pell Grant applicants. While the loans of 16 million have been approved to participate in the program, they won't see any debt forgiven unless it is proven that the White House succeeds in court. At present, borrowers must save money as if they're repaying their full student loan and avoid taking on unnecessary expenses, says Scott Buchanan, executive director of the Student Loan Servicing Alliance. "If the loan forgiveness is granted and you are eligible, then you'll be able to enjoy a boost in certain ways, and you'll have extra cash can be used to pay for additional expenses" he says. >> MORE: When will the forbearance period end? The expiration date of the forbearance program -- also known as the non-interest-free pause in students' loan payments that started in March 2020 -- hinges on the legal outcomes in Biden's debt cancelation program. We're not sure when it will be over under the latest guidelines. In November, we saw the White House . Repayment is now scheduled to resume 60 days after the lawsuits challenging the debt forgiveness program are settled or 60 days following June 30, 2023 -depending on when that happens. The interest-free period could stretch into August, if not earlier however, borrowers need to prepare to begin paying back loans earlier. It is expected that the Supreme Court will hear oral arguments in February. an immediate decision to be issued in the cases blocking implementation of Biden's debt-relief plan. What is the deadline to sign-up to the income-driven plan for repayment? In the event that the White House announced the $10,000-per-borrower student debt forgiveness program in August, it shared a program that garnered lesser attention but could be beneficial to thousands of borrowers in the longer term: a brand new repayment plan that is based on income. At the time, it declared that the new program will set monthly payments for undergraduate loans at "5 percent of a borrower's discretionary income," less than half of the amount in existing IDR plans. However, there's no clear time frame for when the borrowers will be able to apply. We're not sure how this new IDR plan will appear in the final version, who will qualify and when applications will be open. The rules in the draft plan could be published within the next six months or even six months from now According to Betsy Mayotte, president and the founder of The Institute of Student Loan Advisors. "The draft rules can differ significantly between draft and final, however, we'll be able to get an idea of how this new IDR plan might be like when we receive the draft plan," says Mayotte. >> MORE: Can I discharge the student loans in bankruptcy now? Individuals in bankruptcy have long been able to request their student loan debt to be eliminated, but it has traditionally proved much more difficult than releasing other consumer debts like medical and credit card debts. The reason is that borrowers must demonstrate to a judge their student loan debt caused them undue hardship, which is a difficult test for relief. The situation changed in November as both the Departments of Justice and Education jointly announced the new guidelines that aimed to uniformize how to define "undue hardship." A bankruptcy judge can still make a final decision in each individual case. "Today's guidance outlines a better and more fair, transparent procedure for student loan people who are in bankruptcy" declared Vanita Gupta an associate attorney general with the Justice Department, in a press release. The bankruptcy process is open to borrowers according to the new guidelines currently, but Stanley Tate, an attorney who specialises in student loans, suggests borrowers who've been paying for at least 20 years, consider keeping the loan until it is applied into their bank accounts by July prior to making any decisions. (The White House unveiled the one-time IDR waiver in a separate announcement from the proposed IDR plan, beginning in the month of April, 2022. The waiver will be counted each month you've spent in repayment or on pause since you left school toward forgiveness, moving some people closer to the finish line.) "It may turn out your loan is automatically wiped out ... so there's no advantage to going through the bankruptcy option," says Tate. What's going on with Joint Consolidation Loan Separation Act? Then, in October of this year Biden signed the Joint Consolidation Loan Separation Act into law. The law allows those who had previously had consolidated their student loans with a spouse -as part of a program which ran from 1993 until 2006 -- to separate them. It will also allow couples with consolidated loans to take advantage of public service loan Forgiveness, after they separate their debt. For those with consolidation loans This new law will ensure "freedom from domestic and financial abuse, freedom to control their financial destiny, and freedom to enjoy the same benefits as other borrowers across the nation," said Sen. Mark Warner (D-Va.), the bill's sponsor, in a press release. It is estimated that the Education Department holds at least 13,000 joint consolidation loans According to Warner's office. However, we still don't know when the law will actually be implemented, what the application process will look like or which documents will be required. Get updates from your Education Department about how and when to apply. About the writer: Eliza Haverstock is a principal writer on the NerdWallet's Student loan team that covers loan repayment as well as alternatives to traditional four-year degree programs. On a similar note... Dive even deeper in Student Loans Find your saving opportunities Review your spending breakdowns to identify your top spending patterns and areas where you could reduce your spending. If you have any concerns regarding where by and how to use $255 payday loans online same day bad credit (https://bank-hgr.site/), you can contact us at our own site. |
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