195,000 Student Loan Borrowers Get Notices That Wages And Benefits Will Be Seized ByAdam S. Minsky, Senior Contributor. Adam Minsky is an attorney and writer focusing on student loans. Follow Author May 07, 2025, 07:00am EDT
NEW YORK, NEW YORK - MARCH 07: United States Secretary of Education Linda McMahon visits "Fox & ... More Getty Images Nearly 200,000 federal student loan borrowers were notified this week that their wages and benefits are about to be seized by the government. The warnings represent the first wave of involuntary collections actions that the Department of Education has initiated against borrowers in default on their federal student loans. “Starting today, approximately 195,000 defaulted student loan borrowers will begin receiving an official 30-day notice from the U.S. Department of Treasury notifying them that their federal benefits will be subjected to the Treasury Offset Program,” said the Department of Education in a statement on Monday. The action follows a department announcement last month that the government is restarting administrative collections programs against defaulted federal student loan borrowers after a five-year pause. These programs give the federal government vast powers to seize income and payments from people without any court order or lawsuit.
请勿信口开河: In the U.S., federal student loan interest is calculated using a simple interest formula, meaning it accrues daily based on the outstanding principal balance. Here’s how it works: 1. Daily Interest Formula The daily interest is calculated as: Daily Interest=Outstanding Principal×Interest Rate365 Daily Interest=365 Outstanding Principal×Interest Rate (Some lenders may use 360 or 366 days in a leap year, but 365 is standard for federal loans.) 2. Interest CapitalizationUnpaid interest (e.g., during deferment, forbearance, or grace periods) may be capitalized (added to the principal) at certain times, increasing the total amount owed.
Follow Author May 07, 2025, 07:00am EDT
Nearly 200,000 federal student loan borrowers were notified this week that their wages and benefits are about to be seized by the government. The warnings represent the first wave of involuntary collections actions that the Department of Education has initiated against borrowers in default on their federal student loans.
“Starting today, approximately 195,000 defaulted student loan borrowers will begin receiving an official 30-day notice from the U.S. Department of Treasury notifying them that their federal benefits will be subjected to the Treasury Offset Program,” said the Department of Education in a statement on Monday.
The action follows a department announcement last month that the government is restarting administrative collections programs against defaulted federal student loan borrowers after a five-year pause. These programs give the federal government vast powers to seize income and payments from people without any court order or lawsuit.
黄世仁的高利贷也是要还的,还不起必须卖了喜儿,否则还有王法吗?
当初贷款合同怎么写的? 如果本身就在合同里,也签了字,没啥好说的
免息也意味着政府的巨大投入。因为从贷方(银行)的角度上看,学贷是很垃圾风险很高的贷款项目,利息远大于有抵押有信用的良性贷款才是从商业上合理的。
这是政府基于商业角度考虑,而做的事情么?
要是真的“商业上合理”,那只怕商业银行们都抢着做了,还需要政府提供这个?
学生贷款是浮动利率+利滚利贷款,而且很多学生贷款申请信上根本就不写利率
就这么个玩意儿,个人破产也不能免除。
也就是大多数华人没有接触过“助学”贷款,不知道这玩意儿有多邪恶
嗯有道理,健康的有长远考虑的政府应该政策鼓励银行低息,再国家补贴点,总比现在两党这样大开大合的好
据说有些医生也不还贷款。。。凭什么!
没有对比性,高等教育不是必需品,也没有天灾的不确定性。
请勿信口开河:
In the U.S., federal student loan interest is calculated using a simple interest formula, meaning it accrues daily based on the outstanding principal balance. Here’s how it works: 1. Daily Interest Formula The daily interest is calculated as: Daily Interest=Outstanding Principal×Interest Rate365 Daily Interest=365
Outstanding Principal×Interest Rate (Some lenders may use 360 or 366 days in a leap year, but 365 is standard for federal loans.) 2. Interest Capitalization Unpaid interest (e.g., during deferment, forbearance, or grace periods) may be capitalized (added to the principal) at certain times, increasing the total amount owed.
楼上的说法完全有对比性。
他反驳的是“借钱就要还,不然房贷也别还了。银行借钱也不用还了,或者都不用穿衣服了,原始社会。”这个说法。
这个被他反驳的说法,没有特地针对高等教育说事,没有说“高等教育的贷款不是必需品,也没有天灾的不确定性,所以就要还”。而是泛泛的针对“借钱”说事。实际上这个说法本身就在把自己结论的范畴扩大化(这也是为什么更容易被反驳)。所以楼上反驳的时候,当然只要找到能反驳“借钱就要还”的例子就可以了。反驳这个的目的,是消除掉对方“借钱就要还”这个范畴更大的泛泛之谈,对现在的争论的作用。
如果被他反驳的人,想说明学生贷款的特殊性,那么需要回来补充论点论据 - 最后谁论证更有说服力,那是另外一回事,但楼上的说法的对比性本身,是没有问题的。
如果是免息,那么没有人会全款付学费。利息应该和存款利息相当,否则,大家把学费存银行也是赚的。
不说政府没钱,就算有钱也该投入全民医保,这才是对人人公平的。
是的美国很多高等教育就是生意,很多人现在也想通了不去陪他们玩了。
谁说全民医保就是对人人公平的?全民医保对于那些注重自己身体健康,保持良好生活习惯从而少生病少看病少占用医疗资源的人来说是非常不公平的,对于那些基因好所以少生病少看病的人也是非常不公平的,但这是公平的问题嘛?这是基本人权问题,和公平无关
学生贷款免息当然是需要政府补贴的免息贷款,也就当然要符合低收入的标准才能申请,有存款达到可以吃利息水平的肯定就不能获得免息的学生贷款,哪来的把自己的存款放在银行吃利息,再去利用免息学生贷款的可能?
免息贷款就还minimum, 拖个30年本金早不值钱了
现在美国大学学生贷的利息,在很多国家都属于高利贷,都是非法的了!
那位大概率不知道学贷利息有多高。 我听说过最高的有九点多个百分点,利滚利到人家还不起。后来Obama就出台了政策整治高利息学贷。
同意。不给非移也不给人家孩子。说不定还把自己娃的入学名额給挤了
你太善良了,有个利息接近20%。
国际观察|学生成为金融逐猎的对象——起底美国学生贷款制度
学生贷款的利率之高,让不少美国民众甚至无力支付不断累积的利息。美国银率网公司今年2月公布的数据显示,当前联邦学生贷款年利率范围为6.53%至9.08%,由银行等私营金融机构提供的私人学生贷款年利率最高甚至可达近18%,令人咋舌。此外,一些私人学生贷款采取利滚利的复利计算方式,进一步加重了借款人的偿还压力。http://www.news.cn/world/20250313/1c8f71572c8c4a0aa2e8b6f2d52046d6/c.html
我觉得低息但要还是正解。低息算是科技投资吧。
这些家底薄的年轻人大好青春干什么不好,哪怕学一门手艺也好过荒度光阴,到了还背了一身债,本事没学到,还染上一身公主王子病。
免息不合理,低息合理。否则大家都选择贷款,然后拖几十年还用通胀来稀释掉。
首先,个人破产无法解除学贷的原因在于:借一大笔钱读医学院法学院牙医学院的,毕业申请破产,七年后重建信用=如果这样,去哪里找这么傻的贷款机构。
但是,个人破产无法解除学贷的规则带来一个问题就是market distortion: 这个规则扭曲了市场对贷款风险的正常评估,以至于就业前景不好的专业同样能拿到天价贷款。学生毕业后终身成为贷款奴隶。
从全社会角度,too much money supply chasing higher education=inflated tuition. 美国学费领先所有其它先进国家。另外,曾经有很多大学领袖私下会晤,共同抬高学费的问题,实际上是违法anti-trust法律的(price fixing),美国DoJ曾就此立案调查,但后来法不责众,取证困难,寥寥收场。
同意这个,谁的钱都不是大风刮来的,一起按照契约办事是最好的,不要总开各种偏门
低息贷款可以,免息有点不合适。。。
毕业以后还是还不清贷款的,上大学何用?
完全免息也不可能啊,其实可以像房贷一样,根据还款年限定不同的利息,但是比房贷要低的那种。
而且美国的大学各种收费层次的都有,州内学费对本州居民也很优惠,经济条件再不好的先CC两年,再转学到college也机会很多。不顾自家条件,贷高额学贷的,凭什么要纳税人帮他担?!
属实。所以别上大学。
大学本来就是不是人人必需的,再说了,有人上大学也没用,该不会的还是不会,该没能力的还是没能力,挣不来钱的还是挣不来钱,还白搭上一屁股债
学习普通的直接进Union当学徒也挺好的,开始就算工龄,拿工资。
那种帐都算不清的确实不适合花大钱上学,基本上是最贵的投资了。
除了你说的这点,黄世仁这种利率和暴力催收,放在美国今天是felony,违反RICO和Usury law。这版上有些人就是啥都不懂还喜欢胡搅蛮缠。
也有道理
同意,免息不合适,8%也太高了。
川建国搞的所有事情,只有return to office和还学生贷款我觉得还靠谱。
说的太好了句句到位!👍👍
绝大多数人有钱也不会不还,说白了还是还不上呗。现在啥都贵,生活都成问题,高利贷就只能暂缓了。打死都还不清,谁还在乎啊。活着才有希望啊。认识一个西裔,法学院的,年薪就六万,每个月得还一千多,不知道她咋做到的,可能房子租个box住吧。