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Student Loan Calculator

Posibilidad de recibir pago del préstamo al estudiante

Cuando pides dinero prestado para la universidad, es posible que no estés pensando en tu capacidad para pagar el préstamo una vez que te gradúes. Los saldos pendientes de préstamos estudiantiles pueden afectar su capacidad para calificar para préstamos para vivienda, automóvil y otros préstamos personales. Utilice nuestra calculadora de préstamos estudiantiles para ayudar a evaluar la viabilidad del pago de su préstamo estudiantil con sus ingresos futuros anticipados. El gobierno proporciona una gran cantidad de información sobre posibles deudas por préstamos estudiantiles según el programa, la carrera o la ubicación.

Suposiciones

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The Real Cost of College

Junior has just arrived home from the maternity ward, and like the model parent you are, you want to start investing to send the little nipper to Harvard. What should your asset allocation strategy be for this investment goal?

Unless you are wealthy, you will need to generate lots of capital to fund an Ivy League education. Fortunately, you have a fairly generous investment time horizon of 18 years or so. You might well consider placing most of your investment capital in stocks to generate as much growth as possible--keeping in mind that you might have to endure the occasional dip or even a couple of bear market years. If you are concerned about exposing all of your capital to the market, you might want to place a small portion of it -- say 20 percent -- in safer investments such as bonds.

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10 Ways to Avoid or Minimize Student Loan Debt

If you really want to reduce your debt, the first thing you will need to do is create a spending plan, then stick to it. Your spending plan, or budget, needs to focus on paying down your debt and not adding to it. This may mean cutting up the credit cards and avoiding sales and bargains that are too good to be true. Set your primary financial goal to be out of debt in six months, a year, two, or whatever it takes. Write it down. You need to stick to this plan until you have achieved your goal.

Identify and prioritize essential expenses. Limit your spending to the bare essentials: food, shelter, utilities, etc. It may be difficult to define what is essential and what is "luxury," but if you are to get out of debt, you must be tough. Make a list of essential expenses and how much they cost on average each month.

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Definitions

  • Anticipated annual income upon graduationThe gross annual salary you expect to earn the year you graduate from college.
  • Original loan amountThe outstanding balance of the student loan upon graduation.
  • Annual interest rateThe stated annual interest rate on the student loan.
  • Initial payment period (months)The number of months that the student loan is amortized. Ten years equals 120 months.
Money Help Center
Esta información puede ayudarle a analizar sus necesidades financieras. Se basa en la información y las suposiciones que usted proporciona sobre sus objetivos, expectativas y situación financiera. De los cálculos no se deduce que la empresa asuma ninguna obligación fiduciaria. Los cálculos proporcionados no deben interpretarse como asesoramiento financiero, jurídico o fiscal. Además, esta información no debe considerarse como la única fuente de información. Esta información procede de fuentes que consideramos confiables, pero no podemos garantizar su exactitud. Las ilustraciones hipotéticas pueden proporcionar información sobre el rendimiento histórico o actual. Los resultados pasados no garantizan ni indican resultados futuros.
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