The student loan system is broken and we have to detect it, new ideas are needed .
Student debt now totals more than $ 1 trillion, and some of the students 113.000.000.000 $ annual borrowing . This year's college graduates on average, 32.500 $ debtor , the debt of their own financial future of the dead weights to be a threat .
Online shopping and the nation , with payouts for a mobile computing paradigm, and is moving toward . Students of bank electronic , electronic, electronic shopping and work. These are non-electronic-banked banked or under that of the debtor , ozelliklebuyuk a percentage of the pay off their loans .
The Obama administration more transparent and student loans starting to pay more appropriate . New online " report card " measures college education graduation rates , debt levels, and graduates of earnings is based on . Egitimbolumu own inform them of the options , the fighting reaches out to borrowers. Consumer Financial Protection Burosubuyuk loan servicers are examined . And Kongreogrenci debt crisis in organising a session .
Nevertheless, student loan applications consumerize and to democratize, you must do more . Delinquency and default to avoid more than 2 million current and former students to help the founder of a company, and the financial circumstances of day-to-day talks to students, such as the university had put the kids through, as a parent of federal policy I have to offer new ideas in Web-based, user-friendly and save money .
All system service origin stress and student loans repayment of the students as soon as you need. Students , recent graduates , adult students , colleges and universities , bankers , loan servicers, and federal agencies - the - tumpaydaslarin representatives of running a brand - new form a system.
In this spirit , I suggest that attempts:
First ,pay off their loans , the non-banked, including all of the help to the students . Each student credit holder , even this is not enough, banking services , without a new payment method, you need to take advantage of . The Federal government, at no charge to every student ,the ministry of the Treasury Pay.gov use the portal, you must allow the . If this is not possible ,special sektorservicers the payment directly to the portal should be encouraged to provide . Multiple access points to provide a better service . These students , the school years and after graduation to make a payment at any time will help . The user also on behalf of the children of loans to help pay the parents a portal to offer.
Second, the interest indirimlerolmayan banked let's share. Currently , approved by the Ministry of electronic federal servicers six in a row with the loan repayments to do just a quarter percentage point cut to borrowers you will receive . Students and graduates of the loans the money to pay for the order, you can use bank accounts without payment or to make their own financial institutions who wish to use this discount, you need to share .
Third , students "Change the hold . " By notifying the low interest rates of banks and other financial institutions deposits through the program "Change the transfer to the " checking account, and create a student . The account holder , with the consent of alimlariyakin dollars are rounded. The accumulated difference in monthly bazdaogrencinin federal student loan account will be directly applicable . During these years , with the interest of the students pay zorundadirdengeleri will reduce .
Fourth, the FSA debit card, smart, encouraging spending . This type of course and textbooks, such as training costs , covering other loans covering the costs of loans have lower interest rates than it should be . Federal Student Aid ( FSA )university education as a lump sum and other expenses related to education in their schools for a US bank, or to any students through a bank, you must remove the card . However, other expenses icinekstra amount of a monthly salary payable to , and other federal aid programs similar , luxury auto , alcohol and tobacco , and limit cash cekmesatin will be excluded .
Fifth, to pay back student to the layout . Loans with students in school a hard time with their payments of loans . The repayment of those now numbering more than 20 , servicers, and other organizations need to go through . The FSA sign up to volunteer and make the payment through payroll deduction to a credit for electronic mechanism should provide. This non - chunked transfer postal costs and to avoid unnecessary costs will help . Also, as paper controls more electronic payment islemidepartmani for less costly .
Finally, the " Just - in-time financial education . " As high school students, college counseling is offered , these financial bank accounts , credit cards and auto loans related to education , earnings, savings , spending and borrowing needs . Onlarweb students with necessary information they consume . Post-secondary loans to financial education, " just in time , " input and output consulting , videos and printed brochures should not be limited .
Student debt is more difficult , to a new and better jobs , form families, and their homes to get the hayatlariningeri for the rest of the graduates can hobble . The student loan system to Detect them is an investment in the future - and America .
Rajan Ceannate Corp ,post-secondary education sektorundekiogrenciler institutions and completely focused on the leading business process outsourcing company president and Ceo.
Student debt now totals more than $ 1 trillion, and some of the students 113.000.000.000 $ annual borrowing . This year's college graduates on average, 32.500 $ debtor , the debt of their own financial future of the dead weights to be a threat .
Online shopping and the nation , with payouts for a mobile computing paradigm, and is moving toward . Students of bank electronic , electronic, electronic shopping and work. These are non-electronic-banked banked or under that of the debtor , ozelliklebuyuk a percentage of the pay off their loans .
The Obama administration more transparent and student loans starting to pay more appropriate . New online " report card " measures college education graduation rates , debt levels, and graduates of earnings is based on . Egitimbolumu own inform them of the options , the fighting reaches out to borrowers. Consumer Financial Protection Burosubuyuk loan servicers are examined . And Kongreogrenci debt crisis in organising a session .
Nevertheless, student loan applications consumerize and to democratize, you must do more . Delinquency and default to avoid more than 2 million current and former students to help the founder of a company, and the financial circumstances of day-to-day talks to students, such as the university had put the kids through, as a parent of federal policy I have to offer new ideas in Web-based, user-friendly and save money .
All system service origin stress and student loans repayment of the students as soon as you need. Students , recent graduates , adult students , colleges and universities , bankers , loan servicers, and federal agencies - the - tumpaydaslarin representatives of running a brand - new form a system.
In this spirit , I suggest that attempts:
First ,pay off their loans , the non-banked, including all of the help to the students . Each student credit holder , even this is not enough, banking services , without a new payment method, you need to take advantage of . The Federal government, at no charge to every student ,the ministry of the Treasury Pay.gov use the portal, you must allow the . If this is not possible ,special sektorservicers the payment directly to the portal should be encouraged to provide . Multiple access points to provide a better service . These students , the school years and after graduation to make a payment at any time will help . The user also on behalf of the children of loans to help pay the parents a portal to offer.
Second, the interest indirimlerolmayan banked let's share. Currently , approved by the Ministry of electronic federal servicers six in a row with the loan repayments to do just a quarter percentage point cut to borrowers you will receive . Students and graduates of the loans the money to pay for the order, you can use bank accounts without payment or to make their own financial institutions who wish to use this discount, you need to share .
Third , students "Change the hold . " By notifying the low interest rates of banks and other financial institutions deposits through the program "Change the transfer to the " checking account, and create a student . The account holder , with the consent of alimlariyakin dollars are rounded. The accumulated difference in monthly bazdaogrencinin federal student loan account will be directly applicable . During these years , with the interest of the students pay zorundadirdengeleri will reduce .
Fourth, the FSA debit card, smart, encouraging spending . This type of course and textbooks, such as training costs , covering other loans covering the costs of loans have lower interest rates than it should be . Federal Student Aid ( FSA )university education as a lump sum and other expenses related to education in their schools for a US bank, or to any students through a bank, you must remove the card . However, other expenses icinekstra amount of a monthly salary payable to , and other federal aid programs similar , luxury auto , alcohol and tobacco , and limit cash cekmesatin will be excluded .
Fifth, to pay back student to the layout . Loans with students in school a hard time with their payments of loans . The repayment of those now numbering more than 20 , servicers, and other organizations need to go through . The FSA sign up to volunteer and make the payment through payroll deduction to a credit for electronic mechanism should provide. This non - chunked transfer postal costs and to avoid unnecessary costs will help . Also, as paper controls more electronic payment islemidepartmani for less costly .
Finally, the " Just - in-time financial education . " As high school students, college counseling is offered , these financial bank accounts , credit cards and auto loans related to education , earnings, savings , spending and borrowing needs . Onlarweb students with necessary information they consume . Post-secondary loans to financial education, " just in time , " input and output consulting , videos and printed brochures should not be limited .
Student debt is more difficult , to a new and better jobs , form families, and their homes to get the hayatlariningeri for the rest of the graduates can hobble . The student loan system to Detect them is an investment in the future - and America .
Rajan Ceannate Corp ,post-secondary education sektorundekiogrenciler institutions and completely focused on the leading business process outsourcing company president and Ceo.
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