La Corte Suprema de EE.UU. ha anunciado una revisión a la legalidad de un programa impulsado por el presidente Joe Biden para condonar parte de la deuda educativa que arrastran millones de estadounidenses, que viven en ansiedad e incertidumbre por la carga de los préstamos contraídos para financiar sus estudios universitarios.
Es el caso de Sierra Keat, una exestudiante universitaria que tuvo que pedir un crédito para poder financiar sus estudios y desde entonces acarrea una deuda de 20.000 dólares. Durante la pandemia perdió su empleo, por lo que se ha visto obligada a posponer los pagos.
La Administración Biden anunció en agosto de 2022 un plan para perdonar hasta 20.000 dólares por beneficiario en función de determinados requisitos. Sin embargo, una serie de demandas judiciales han bloqueado la decisión y deberá ser la Corte Suprema quien decida.
Hasta entonces, el Gobierno ha extendido una moratoria para los pagos, que se siguen acumulando.
Se calcula que más de 40 millones de estadounidenses mantienen deudas estudiantiles. De implementarse, el plan de Biden ayudaría a unos 20 millones de personas, lo que representa menos de la mitad.
La estudiante universitaria Jane Jacobson lamenta que “los préstamos sean la única o la principal forma” de tener acceso a la educación superior. Aunque “hay quien recurre a subvenciones, becas, o ayudas familiares”, para Jane los préstamos son la forma más accesible, a pesar de no ser una situación ideal, ya que “ejerce mucha presión innecesaria sobre los estudiantes el hecho de que también tengan que estar pensando en su situación financiera”.
El 40 % de los estadounidenses que han ido a la universidad han tenido que endeudarse para poder pagar sus estudios.
Aunque hay hasta jubilados que después de su retiro siguen pagando su deuda estudiantil, son los prestatarios de entre 25 y 34 años los más endeudados: deben más de 500.000 millones dólares.
Actualmente, obtener un título en el país norteamericano supone un sacrificio mucho mayor que hace una o dos generaciones. Solo en las últimas tres décadas, el coste medio de asistir a una universidad privada durante cuatro años se triplicó. En el caso de la educación pública, se duplicó.
Mark Kantrowitz, experto en ayuda financiera para estudiantes, dice que “el crecimiento de la deuda de préstamos estudiantiles ha sido gradual pero constante”.
En cuanto al perfil de los deudores, los afroamericanos son quienes se ven obligados a solicitar más prestamos. Según un estudio, cuatro años después de graduarse, suelen tener de media más deudas que el resto.
Richelle Brooks, madre soltera con un doctorado y una deuda de 250.000 dólares, explica que “una de las formas de abrir camino” a las personas de las comunidades afroamericanas y a sus familias es recibir educación superior.
Algunos expertos y afectados creen que un perdón general de la deuda estudiantil supondría un estímulo para la actividad económica, además de impartir justicia social.
Sin embargo, otros opinan que moralmente estaría mal, porque daría a entender a los prestatarios que están libres de cualquier consecuencia derivada de sus decisiones económicas.
I got accepted into a few universities after high school, but in the end decided to go the community college route and transfer to a local university afterwards. At that time, this was what made most sense, financially. My family simply did not have the means to send me to the other universities I wanted to attend. I worked 3 jobs throughout college, paid as I go, and was lucky enough to finish debt free. Didn’t use a dime of my parents money! I may NOT be able to tell people that I graduated from a famous university, but I CAN tell people that I make a decent living and am able to allocate a good portion of my income to savings/personal use, rather than student debt. I know these famous schools may be the more tempting choice, but sometimes you have to consider you/your family’s financial situation and make decisions from there. I know life choices aren’t a always based on money, but just telling my story.
They instilled into our heads starting in high school that you had to go to college basically telling us we wouldn’t get a good job and be broke if we didn’t. Turns out thats just not true and the understanding of how much money borrowed was not explained to us. In a way our elders scammed us into this belief. I didnt have enough life experience to know what i wanted to do yet tho i was told i had to go to college by my elders. Later i had to go back to turn my health science degree into a nursing degree to learn actual real career life skills. Had no choice but to borrow more money to get a useful degree to actually be able to afford the current debt i had already. For me it worked out i can afford it now but just saying alot of people didnt have the luxury of being able to go back. How are they supposed to know better when all the people who they are supposed to respect and listen to are giving them the keys to economic failure? Not saying many children don’t listen and do their own thing anyway, but the expectation of many parents is for their children to go to college and get a degree and that debt is just a part of the American dream. I mean why wouldn’t it be when the economy constantly runs off of debt
“Student Loans are a scam!” A Ponzi scheme on steroids! Early 1990’s I worked summer fast food and earned enough to pay tuition at a state university (5+ years engineering). Worked part time at Sears to cover my bills the rest of the year. That’s simply impossible now days, just like home ownership. The easy availability of massive loans drove the cost through the roof.
My parents worked their asses off to pay for my education… Is the Federal Government going to reimburse them almost 150K they paid for? If not, is totally unfair.
I work in college access and it’s so important for us to advise students on how to use their education after high school to build their future in a way that aligns with their interests and is cost effective. Postsecondary education is a lot of things: college, trade, certifications, etc. There is no one way to be successful. But the amounts of debt students have been saddled with because of how they have been advised, OR operating from a space of emotion and not strategy, is disgraceful. Higher education has just begun (in a large way) focusing on retention in a way that works, but it’s taken time to get here. Hoping we can better advise our students on all options available, inclusive of the military, when it comes to crafting their future endeavors
In many European public universities, if you have good grades, live away from the university and have a low household income, the universities themselves tend to pay students to study there. The thought of paying these amounts of money to get an education is beyond me and is unacceptable in these times.
Perhaps the US should consider changing the terms of the loans to match monthly payments to income level as they do in Australia. There has also been a proposal that would limit those payments to 20 years. This would provide debt relief to people whose income is not at the same level as those who paid for a professional degree but they would still have to pay their debt.
Or, you can go to the root of the problem. College tuition prices growing exceptionally faster than inflation rates for seemingly no reason. This is the source of young adults being blocked out of colleges, not loans to work around the instance price.
young people are who are gonna run this country soon. they will be our doctors, lawyers, scientists, caretakers, architects, city designers…professionals. We are holding a whole generation hostage with more student debt for less education. They are overcharged to begin with and have no hope of paying that debt off with the offered wages. The wealthy are trapping them in a state of debt where they cannot build wealth and are forced to work until they die to make up for it. this greed, charging such a high price for education should be covered by the country to ensure we still have those professions in 20 years.There is a doctor shortage because so few are being accepted each year to be certified. Medical school debt is a deterrent and people who would work and are capable of it cannot afford to even try. Other professions are in danger too. Necessary fields for society to function should be subsidized and/or free. Secondary education is important, but college in America is a money-draining scheme. That is why you the only debt you cannot declare bankruptcy on is student debt. Things need to change.
La Corte Suprema de EE.UU. ha anunciado una revisión a la legalidad de un programa impulsado por el presidente Joe Biden para condonar parte de la deuda educativa que arrastran millones de estadounidenses, que viven en ansiedad e incertidumbre por la carga de los préstamos contraídos para financiar sus estudios universitarios.
Es el caso de Sierra Keat, una exestudiante universitaria que tuvo que pedir un crédito para poder financiar sus estudios y desde entonces acarrea una deuda de 20.000 dólares. Durante la pandemia perdió su empleo, por lo que se ha visto obligada a posponer los pagos.
La Administración Biden anunció en agosto de 2022 un plan para perdonar hasta 20.000 dólares por beneficiario en función de determinados requisitos. Sin embargo, una serie de demandas judiciales han bloqueado la decisión y deberá ser la Corte Suprema quien decida.
Se calcula que más de 40 millones de estadounidenses mantienen deudas estudiantiles. De implementarse, el plan de Biden ayudaría a unos 20 millones de personas, lo que representa menos de la mitad.
La estudiante universitaria Jane Jacobson lamenta que “los préstamos sean la única o la principal forma” de tener acceso a la educación superior. Aunque “hay quien recurre a subvenciones, becas, o ayudas familiares”, para Jane los préstamos son la forma más accesible, a pesar de no ser una situación ideal, ya que “ejerce mucha presión innecesaria sobre los estudiantes el hecho de que también tengan que estar pensando en su situación financiera”.
El 40 % de los estadounidenses que han ido a la universidad han tenido que endeudarse para poder pagar sus estudios.
Aunque hay hasta jubilados que después de su retiro siguen pagando su deuda estudiantil, son los prestatarios de entre 25 y 34 años los más endeudados: deben más de 500.000 millones dólares.
Actualmente, obtener un título en el país norteamericano supone un sacrificio mucho mayor que hace una o dos generaciones. Solo en las últimas tres décadas, el coste medio de asistir a una universidad privada durante cuatro años se triplicó. En el caso de la educación pública, se duplicó.
Mark Kantrowitz, experto en ayuda financiera para estudiantes, dice que “el crecimiento de la deuda de préstamos estudiantiles ha sido gradual pero constante”.
En cuanto al perfil de los deudores, los afroamericanos son quienes se ven obligados a solicitar más prestamos. Según un estudio, cuatro años después de graduarse, suelen tener de media más deudas que el resto.
Richelle Brooks, madre soltera con un doctorado y una deuda de 250.000 dólares, explica que “una de las formas de abrir camino” a las personas de las comunidades afroamericanas y a sus familias es recibir educación superior.
Algunos expertos y afectados creen que un perdón general de la deuda estudiantil supondría un estímulo para la actividad económica, además de impartir justicia social.
Sin embargo, otros opinan que moralmente estaría mal, porque daría a entender a los prestatarios que están libres de cualquier consecuencia derivada de sus decisiones económicas.
PrisioneroEnArgentina.com
Febrero 21, 2023
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I got accepted into a few universities after high school, but in the end decided to go the community college route and transfer to a local university afterwards. At that time, this was what made most sense, financially. My family simply did not have the means to send me to the other universities I wanted to attend. I worked 3 jobs throughout college, paid as I go, and was lucky enough to finish debt free. Didn’t use a dime of my parents money! I may NOT be able to tell people that I graduated from a famous university, but I CAN tell people that I make a decent living and am able to allocate a good portion of my income to savings/personal use, rather than student debt. I know these famous schools may be the more tempting choice, but sometimes you have to consider you/your family’s financial situation and make decisions from there. I know life choices aren’t a always based on money, but just telling my story.
They instilled into our heads starting in high school that you had to go to college basically telling us we wouldn’t get a good job and be broke if we didn’t. Turns out thats just not true and the understanding of how much money borrowed was not explained to us. In a way our elders scammed us into this belief. I didnt have enough life experience to know what i wanted to do yet tho i was told i had to go to college by my elders. Later i had to go back to turn my health science degree into a nursing degree to learn actual real career life skills. Had no choice but to borrow more money to get a useful degree to actually be able to afford the current debt i had already. For me it worked out i can afford it now but just saying alot of people didnt have the luxury of being able to go back. How are they supposed to know better when all the people who they are supposed to respect and listen to are giving them the keys to economic failure? Not saying many children don’t listen and do their own thing anyway, but the expectation of many parents is for their children to go to college and get a degree and that debt is just a part of the American dream. I mean why wouldn’t it be when the economy constantly runs off of debt
“Student Loans are a scam!” A Ponzi scheme on steroids! Early 1990’s I worked summer fast food and earned enough to pay tuition at a state university (5+ years engineering). Worked part time at Sears to cover my bills the rest of the year. That’s simply impossible now days, just like home ownership. The easy availability of massive loans drove the cost through the roof.
My parents worked their asses off to pay for my education… Is the Federal Government going to reimburse them almost 150K they paid for? If not, is totally unfair.
I work in college access and it’s so important for us to advise students on how to use their education after high school to build their future in a way that aligns with their interests and is cost effective. Postsecondary education is a lot of things: college, trade, certifications, etc. There is no one way to be successful. But the amounts of debt students have been saddled with because of how they have been advised, OR operating from a space of emotion and not strategy, is disgraceful. Higher education has just begun (in a large way) focusing on retention in a way that works, but it’s taken time to get here. Hoping we can better advise our students on all options available, inclusive of the military, when it comes to crafting their future endeavors
In many European public universities, if you have good grades, live away from the university and have a low household income, the universities themselves tend to pay students to study there. The thought of paying these amounts of money to get an education is beyond me and is unacceptable in these times.
Perhaps the US should consider changing the terms of the loans to match monthly payments to income level as they do in Australia. There has also been a proposal that would limit those payments to 20 years. This would provide debt relief to people whose income is not at the same level as those who paid for a professional degree but they would still have to pay their debt.
Or, you can go to the root of the problem. College tuition prices growing exceptionally faster than inflation rates for seemingly no reason. This is the source of young adults being blocked out of colleges, not loans to work around the instance price.
young people are who are gonna run this country soon. they will be our doctors, lawyers, scientists, caretakers, architects, city designers…professionals. We are holding a whole generation hostage with more student debt for less education. They are overcharged to begin with and have no hope of paying that debt off with the offered wages. The wealthy are trapping them in a state of debt where they cannot build wealth and are forced to work until they die to make up for it. this greed, charging such a high price for education should be covered by the country to ensure we still have those professions in 20 years.There is a doctor shortage because so few are being accepted each year to be certified. Medical school debt is a deterrent and people who would work and are capable of it cannot afford to even try. Other professions are in danger too. Necessary fields for society to function should be subsidized and/or free. Secondary education is important, but college in America is a money-draining scheme. That is why you the only debt you cannot declare bankruptcy on is student debt. Things need to change.