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                        <div id="tdi_14" class="tdc-zone"><div class="tdc_zone tdi_15  wpb_row td-pb-row" data-sticky-offset="0" >
<style scoped>.tdi_15{min-height:0}.td-header-mobile-sticky-wrap.td-header-active{opacity:1}.td-header-mobile-sticky-wrap{-webkit-transition:all 0.3s ease-in-out;-moz-transition:all 0.3s ease-in-out;-o-transition:all 0.3s ease-in-out;transition:all 0.3s ease-in-out}@media (max-width:767px){.td-header-mobile-sticky-wrap{transform:translateY(-120%);-webkit-transform:translateY(-120%);-moz-transform:translateY(-120%);-ms-transform:translateY(-120%);-o-transform:translateY(-120%)}.td-header-mobile-sticky-wrap.td-header-active{transform:translateY(0);-webkit-transform:translateY(0);-moz-transform:translateY(0);-ms-transform:translateY(0);-o-transform:translateY(0)}}</style><div id="tdi_16" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_17  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_17,.tdi_17 .tdc-columns{min-height:0}.tdi_17,.tdi_17 .tdc-columns{display:block}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:table}@media (max-width:767px){.tdi_17,.tdi_17 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:none}@media (min-width:768px){.tdi_17{margin-left:-0px;margin-right:-0px}.tdi_17 .tdc-row-video-background-error,.tdi_17>.vc_column,.tdi_17>.tdc-columns>.vc_column{padding-left:0px;padding-right:0px}}}@media (max-width:767px){.tdi_17{padding-top:5px!important;padding-bottom:5px!important;position:relative}}</style>
<div class="tdi_16_rand_style td-element-style" ><style>@media (max-width:767px){.tdi_16_rand_style{background-color:#00456e!important}}</style></div><div class="vc_column tdi_19  wpb_column vc_column_container tdc-column td-pb-span3">
<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>

                
                    <div class="td-header-desktop-wrap ">
                        <div id="tdi_27" class="tdc-zone"><div class="tdc_zone tdi_28  wpb_row td-pb-row"  >
<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">Thursday, September 24, 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" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
<style>.tdb_module_header{width:100%;padding-bottom:0}.tdb_module_header .td-module-container{display:flex;flex-direction:column;position:relative}.tdb_module_header .td-module-container:before{content:'';position:absolute;bottom:0;left:0;width:100%;height:1px}.tdb_module_header .td-image-wrap{display:block;position:relative;padding-bottom:70%}.tdb_module_header .td-image-container{position:relative;width:100%;flex:0 0 auto}.tdb_module_header .td-module-thumb{margin-bottom:0}.tdb_module_header .td-module-meta-info{width:100%;margin-bottom:0;padding:7px 0 0 0;z-index:1;border:0 solid #eaeaea;min-height:0}.tdb_module_header .entry-title{margin:0;font-size:13px;font-weight:500;line-height:18px}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date,.tdb_module_header .td-module-comments{vertical-align:text-top}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date{top:3px}.tdb_module_header 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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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<div id="block_e668d64ed2a513c4997ab99dce2bf004" class="key-takeaways sm:border-l-4 border-(var(--accent)) sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">
    <!-- htmlmin:ignore --></p>
<h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4">
    <span class="shrink-0">Control de llavín</span><br />
        <span class="max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(var(--accent)) max-sm:rounded-full max-sm:block"></span><br />
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<ul class="flex flex-col text-gray-700 mb-0 gap-2 list-none">
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Los republicanos del Congreso están considerando cerrar el software de préstamos Federal Direct Plus en un esfuerzo por delimitar los préstamos federales de préstamos.
                                                </li>
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Suspender este software podría tener muchos pertenencias posteriores, incluida una maduro dependencia de los préstamos privados para estudiantes para estudiantes graduados y padres de estudiantes universitarios.
                                                </li>
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Los prestatarios de préstamos estudiantiles todavía tienen muchas opciones para cubrir los costos de educación.
                                                </li>
</ul>
</div>
<p>Si respaldar por la universidad es un buffet, imagina al estudiante y a su comunidad navegando para varias ayuda, un artículo pronto saldrá del menú.</p>
<p>Los republicanos del Congreso están progresando en torno a la reconciliación presupuestaria que podría cerrar el software de préstamos Federal Direct Plus (encima de los cortaduras en otros sectores). En este proceso, la Cámara y el Senado pueden adoptar gran parte del <u>Ley de reducción de costos universitarios</u> (CCRA), que incluiría eliminar este tipo de préstamo estudiantil para estudiantes graduados y los padres de estudiantes universitarios.</p>
<p>Pero algunos expertos en el conocimiento dicen que los comités del Congreso actualmente buscan cortaduras presupuestarios, el posterior paso de conciliación, podrían estar buscando en el espacio inexacto: el software de préstamos Plus en existencia no le cuesta al tío Sam ningún cuartos.</p>
<p>&#8220;Esta es una de las únicas partes de la cartera (de préstamos federales) que obtiene ganancias, lo que dice mucho sobre por qué (TI) se utilizaría como una especie de fútbol (político)&#8221;, dice la Oficina de Protección Financiera de Consumidores (CFPB), la defensora del pueblo de préstamos estudiantiles, Julia Barnard. &#8220;Y para que todos sepan, si el gobierno hace un subsidio imagen, o lo que algunos podrían considerar como una fruto, en cualquier parte de la cartera, ese cuartos se remonta inmediatamente al Fortuna. Para ser utilizados para otras cosas que probablemente nos importan como sociedad&#8221;.</p>
<p>Sin incautación, encima del resultado final del gobierno federal, cerrar el software de préstamos Plus podría tener pertenencias en cascada para el financiamiento de la educación superior en los primaveras venideros.</p>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
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<p>                ¿Qué son los préstamos Direct Plus?
            </p>
<div class="content">
<p class="p1">Los préstamos directos son préstamos federales para estudiantes que los padres y los estudiantes pueden pedir prestado del Área de Educación para las escuelas participantes. Los préstamos directos más están disponibles para los padres de un estudiante de pregrado y estudiantes graduados o profesionales. Otros préstamos directos incluyen préstamos subsidiados directos, préstamos directos no subsidios y préstamos de consolidación directa.</p>
</p></div>
</p></div>
</p></div>
</section>
<h2 id="why" 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="Direct PLUS Loans are under fire" data-outcome="">Por qué los préstamos Federal Direct Plus están en el sillar de corte</h2>
<p>El CCRA, que ganó más de 150 copatrocinadores republicanos durante la última sesión del Congreso, no es el intento más flamante de cerrar el software de préstamos más. En enero, el Senado presentó el <u>Ley de oportunidad de posgrado y préstamos asequibles</u> con el mismo objetivo.</p>
<p><strong>Relacionado: </strong><u>Rastreador de carta de préstamos estudiantiles federales</u></p>
<p>La pregunta es, ¿por qué editar un foco tan brillante en los préstamos más?</p>
<p>Los legisladores conservadores hacen un argumento de responsabilidad: si el Congreso limita los préstamos federales de préstamos, las universidades tendrán que competir por los estudiantes y ser menos capaces de aumentar los costos de matrícula que cambian los gastos abrumadores al Sr. y la Sra. Taxpayer.</p>
<p>Si eso no sucede, o hasta que lo haga, los estudiantes graduados y los padres de estudiantes universitarios pueden personarse a los prestamistas privados como una fuente de financiación alternativa. Si aceptablemente el ex área de educación del Secretario James Kvaal dice que no está encantado con ese resultado, incluso aboga por los préstamos federales que es más responsable.</p>
<p>Hacer que las escuelas, que, como era de esperar, argumenten contra el vallado de la manifestación de los incendios de los fondos federales, la responsable podría ser un espacio para el acuerdo bipartidista.</p>
<p>&#8220;Se ve a las personas que realizan préstamos para obtener títulos que nunca tienen la intención de conducir a un trabajo de stop salario: podría ser una escuela de divinidad o una escuela de teatro, o podría ser que el software rutinariamente no sea muy bueno&#8221;, dice Kvaal. &#8220;Por lo tanto, necesitamos tener una conversación vivo sobre cuándo los préstamos son apropiados para las escuelas de posgrado y cuándo esas escuelas están destinadas a entregar un ROI para los estudiantes&#8221;.</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>Todavía debemos pensar en modificar en programas de posgrado que sirvan a muchos estudiantes de bajos ingresos y estudiantes de color o que sirvan a algunos de los objetivos no económicos de nuestra sociedad. No solo detenga por cortar préstamos, pero (vamos) una conversación vivo sobre cómo vamos a respaldar por esas cosas.</q><br />
                    <cite class="PullQuote-cite text-gray-900 ml-0 md:ml-4"></p>
<p>                &#8211; James Kvaal, ex área de educación bajo secretario<br />
            </cite>
            </p></blockquote>
</div>
<p><strong>Relacionado: </strong><u>El desmantelamiento del área de educación no solucionará cómo los estadounidenses pagan por la universidad</u></p>
<h2 id="impacts">3 Impactos de derogar el software de préstamos directos Plus</h2>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
<div class="card-body">
<div class="content-wrapper">
<div class="content">
<p>Aproximadamente de 5.4 millones de prestatarios deben $ 222.4 mil millones en préstamos federales directos más, según la oficina de Ayuda Federal de Estudiantes del Área de Educación (FSA). Eso es más o menos del 13 por ciento de la deuda irresoluto de préstamos estudiantiles del país. Cerrar el software de préstamos PLUS prohibiría a los nuevos solicitantes, mientras que los prestatarios existentes aún estarían legalmente obligados a respaldar su deuda.</p>
</p></div>
</p></div>
</p></div>
</section>
<h3>1. Prestatarios más calificados que dependen de préstamos privados para estudiantes</h3>
<p>Si piensa en la deuda educativa de Estados Unidos como un pastel de 10 cortes, ocho rebanadas serían préstamos federales y dos serían privados. Deshágase de los préstamos Plus y la relación seguramente cambiará.</p>
<p>Simplemente no esperes ningún argumento de bancos, cooperativas de crédito y prestamistas en sarta.</p>
<p>&#8220;Esto ha estado en la relación de deseos de las compañías privadas de préstamos estudiantiles durante más de una decenio&#8221;, dice Barnard de la CFPB. “Antaño de tener (más préstamos), las compañías privadas de préstamos estudiantiles pudieron ofrecer préstamos mucho más grandes a estudiantes de posgrado. Y, por supuesto, como todos pueden imaginar, <u>Es más probable que los estudiantes de posgrado ganen ingresos más altos</u>. Entonces, esa es una población en la que el mercado privado de préstamos estudiantiles está muy interesado &#8220;.</p>
<p><strong>Relacionado:</strong> <u>Mensaje del Defensor del Pueblo de CFPB a los prestatarios federales de préstamos estudiantiles: &#8216;Demanda&#8217; a qué tiene &#8216;legalmente con derecho&#8217;</u></p>
<p>Si usted (como estudiante de posgrado o padre de un estudiante universitario) o su posible cosignatario tiene un cachas crédito e ingresos, encomendar en préstamos privados para estudiantes podría no ser un tema así, considerando que las tasas de préstamos federales han aumentado durante cuatro primaveras consecutivos (el Congreso los establece anualmente).</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td><strong>Tipo de préstamo</strong></td>
<td><strong>2024-25 tasa de interés</strong></td>
<td><strong>Tarifa</strong></td>
</tr>
<tr>
<td>Préstamos federales de proporción directa más</td>
<td>9.08%</td>
<td>4.228%</td>
</tr>
<tr>
<td><u>Préstamos privados para estudiantes graduados</u></td>
<td>3.47% a 14.83%*</td>
<td>Varía por el prestamista</td>
</tr>
<tr>
<td>Préstamos federales de padres directos más</td>
<td>9.08%</td>
<td>4.228%</td>
</tr>
<tr>
<td>
<p>Préstamos para estudiantes privados para padres</td>
<td>3.39% a 17.99*</td>
<td>Varía por el prestamista</td>
</tr>
<tr>
<td colspan="3">*Tarifas anunciadas por los prestamistas socios de Bankrate a partir de abril de 2025</td>
</tr>
</tbody>
</table>
</div>
<p>&#8220;Cuando trabajé en una oficina de ayuda financiera como hace 15 primaveras, (los padres) más las tasas de interés de los préstamos eran más o menos de la marca de siete por ciento de porcentaje&#8221;, dice Colleen Campbell, ex directora ejecutiva de la Oficina de Diligencia de la Cartera de Préstamos en el Área de Educación. &#8220;Y así fue una propuesta de valía que fue poco ecuánime entre:&#8221; ¿Obtiene una sarta de crédito de haber doméstico o obtiene un préstamo positivo? &#8221; El desafío ahora es que, conveniente a dónde estamos en términos de cosas como la inflación o (dónde) las tasas de interés para los préstamos federales para estudiantes &#8230; los (más) programas parecen positivamente tenues para las personas &#8220;.</p>
<h3>2. Los prestatarios menos calificados que enfrentan altas tasas de préstamos privados (si se aprueban)</h3>
<p>El problema con la aniquilación de una porción de préstamo federal del pastel es que son la opción predominante por una razón: proporcionan tasas de interés fijas y salvaguardas de reembolso de extenso valor, y en una escalera masiva, a los prestatarios de la mayoría de los niveles de crédito. De hecho, la FSA solo requiere que los solicitantes de préstamos Plus no tengan &#8220;historial de crédito aciago&#8221;, que incluye una delincuencia flamante, incumplimiento o bancarrota. No se menciona un puntaje de crédito minúsculo.</p>
<p>&#8220;Adicionalmente, los estándares de crédito de préstamos son extremadamente bajos, similares a la bonanza hipotecaria antiguamente de la gran recesión, hasta el punto de que estamos ganando cientos de miles de dólares en préstamos a los padres (y estudiantes graduados) con muy bajos ingresos&#8221;, dice Campbell.</p>
<p>Los préstamos privados para estudiantes, en comparación, otorgan tarifas competitivas solo para estudiantes con un crédito sólido o, más comúnmente, un cosignador de solventes. Todavía cuentan con menos protecciones que los préstamos federales. Lo más importante: no puede simplemente cambiar su plan de reembolso como desee, o requerir que su prestamista (o administrador de préstamos) pause temporalmente sus cuotas mensuales.</p>
<p>Por lo tanto, es arreglado argumentar que la partida de préstamos más llevaría a más prestatarios a préstamos privados, a diferentes niveles de aventura. Los solicitantes con crédito más débil, los ingresos más bajos podrían enemistar tasas de interés más altas o, lo que es peor, el rechazo.</p>
<p>Dando un paso más allá: es natural suponer que algunos estudiantes de posgrado y los padres incluso buscarían préstamos de prestamistas menos escrupulosos que tienen criterios de elegibilidad intencionalmente sueltos. Hay muchas dificultades para obtener un préstamo estudiantil con mal crédito.</p>
<p><strong>&#8220;</strong>Poco que hemos aprendido en más de una decenio de trabajo de CFPB es que los prestatarios positivamente firmarán contratos depredadores para ir a la escuela &#8220;, dice Barnard.&#8221; Y entiendo por qué las personas sienten que tienen que hacer un trato con el diablo en esta capital &#8220;.</p>
<h3>3. Estudiantes, familias que optan por escuelas de beocio costo</h3>
<p>Los colegios y universidades anticipan la clase más ínclito de estudiantes de primer año el próximo otoño, según los informes del New York Times, pero esa tendencia pronto podría revertirse.</p>
<p>Posteriormente de todo, si los estudiantes y sus familias están excluidos de los préstamos privados de los estudiantes, ya sea porque las tasas de interés y las tarifas son demasiado altas o porque no pueden obtener la aprobación de los préstamos, podrían tener que saltar su universidad preferida pero más clara de cuatro primaveras.</p>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
<div class="card-body">
<div class="content-wrapper">
<p>                Posibles pertenencias aguas debajo de la disolución de los préstamos más
            </p>
<div class="content">
<ul>
<li>Estudiantes que optan por colegios comunitarios, otras escuelas de beocio costo</li>
<li>Los estados aumentan los esfuerzos de proporcionar ayuda financiera</li>
<li>Los colegios privados que ya luchan, incluyen colegios y universidades históricamente negras (HBCU), que enfrentan el vallado</li>
</ul></div>
</p></div>
</p></div>
</section>
<p>Campbell anticipa que las escuelas montan una campaña de presión sobre los funcionarios electos que sirven a sus distritos y estados. Eso es lo que ocurrió cuando la compañía de Obama buscó insensibilizar los criterios de elegibilidad para más préstamos hace aproximadamente una decenio.</p>
<p>&#8220;Entonces, lo que vimos en 2013 fue que algunas universidades, en particular, universidades de maduro costo que inscriben a muchos prestatarios de bajos ingresos, como HBCU en particular en esta situación, positivamente tuvieron una cachas respuesta a cualquier tipo de restricciones de elegibilidad (intensificadas) &#8230; y entonces creo que probablemente vemos que este tiempo incluso&#8221;.</p>
<p>Luego, la pregunta se convierte en si el software de préstamos más debe cancelarse efectivamente a si sigue habiendo suficiente motivación para hacerlo.</p>
<p>&#8220;Esto es positivamente cuando el caucho llega a la carretera en la educación superior&#8221;, agrega Campbell. &#8220;Cada senador tiene docenas, si no cientos, de universidades en su estado, y cada representante en el Congreso tiene una universidad en o un campus que emplea a personas que trae cuartos a su distrito, e inmediatamente recibirán el desgracia en su puerta en caso de que poco en su distrito sea amenazado&#8221;.</p>
<h2 id="your">¿Cuál es tu próximo paso?</h2>
<p>Si usted o su estudiante están en la escuela o en su camino, puede estar preocupado por perder una opción para el financiamiento de la educación superior. No te estreses, al menos todavía no. Los republicanos del Congreso aún no han finalizado su presupuesto, así que vigile <u>cobertura de parte de préstamos estudiantiles</u>.</p>
<p>Sepa que, a extenso plazo, aún tendrá varias opciones para cubrir sus costos de educación (aunque asistir a una escuela de beocio costo es digna de su consideración). Para obtener una delantera sobre estas opciones, considere nuestra prontuario para <u>Cómo respaldar la escuela de posgrado</u> y <u>Cómo respaldar la universidad sin cuartos</u>.</p>
<h2> </h2>
</p></div>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/que-es-un-prestamo-para-auto-de-fiesta-privada" target="_self" rel="dofollow" class="u8604b6dc14307081f946468841865b5a"><!-- INLINE RELATED POSTS 1/3 //--><style> .u8604b6dc14307081f946468841865b5a { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u8604b6dc14307081f946468841865b5a:active, .u8604b6dc14307081f946468841865b5a:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u8604b6dc14307081f946468841865b5a { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u8604b6dc14307081f946468841865b5a .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u8604b6dc14307081f946468841865b5a .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u8604b6dc14307081f946468841865b5a:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">¿Qué es un préstamo para auto de fiesta privada?</span></div></a></div></div></div><div class="td_block_wrap tdb_single_tags tdi_80 td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_80" >
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<!-- sc5a72ec-c5cb6d -->

<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>
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