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Saturday, October 3, 2026
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HomePréstamosPros y contras de préstamos estudiantiles de refinanciación

Pros y contras de préstamos estudiantiles de refinanciación

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Hombre escribiendo mientras está sentado en la mesa en la biblioteca

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Control de zancadilla

  • La refinanciación de los préstamos estudiantiles puede aminorar su suscripción mensual, dándole más espacio en su presupuesto.

  • La Reserva Federal redujo las tasas de interés tres veces en 2024, lo que podría conducir a tasas de refinanciamiento más bajas este año.

  • Comprenda los beneficios de los préstamos federales para estudiantes y sopese los pros y los contras antaño de refinanciar. Podría perder los beneficios y la protección de los préstamos federales si reemplaza sus préstamos federales con préstamos privados para estudiantes.

Refinanciar los préstamos estudiantiles puede ser una excelente forma de aminorar su tasa de interés y el suscripción mensual si tiene dificultades para gobernar el saldo coetáneo de su préstamo estudiantil. La combinación de múltiples préstamos en un solo préstamo todavía simplifica su presupuesto.

Hay algunos inconvenientes para refinanciar los préstamos estudiantiles. Hexaedro que el proceso generalmente implica reemplazar préstamos federales con préstamos privados, las tasas más bajas que podría obtener a través de la refinanciación puede no pasar la flexibilidad de suscripción y otros beneficios de los préstamos federales.

Pesar los pros y los contras de la refinanciación de préstamos estudiantiles puede ayudarlo a atreverse si es la opción correcta para usted.

El futuro de los programas de perdón de préstamos estudiantiles bajo la despacho Trump

Con el perdón de préstamos estudiantiles en cuestión, la refinanciación puede ser una buena opción para ayudar a los prestatarios a gobernar préstamos y dosificar peculio. Si no está realizando un suscripción ahora, o su suscripción es de $ 0, comuníquese con su prestamista para mantenerse actualizado sobre sus opciones y responsabilidad de reembolso. Si hay un gran aumento de suscripción en su futuro, consulte las opciones de refinanciación de préstamos estudiantiles.

Pros de refinanciación de préstamos estudiantiles

Puede dosificar peculio con una tasa de interés más depreciación

El objetivo principal de la mayoría de la refinanciación de préstamos estudiantiles es aminorar su tasa de interés y suscripción. Si obtuvo un préstamo estudiantil federal el año pasado, su tasa puede estar entre 6.53 y 9.08 por ciento, significativamente más inscripción que las tasas en el rango de 4.5 por ciento ofrecido por muchos prestamistas de préstamos estudiantiles privados.

Una tasa más depreciación todavía le ahorra intereses durante la vida útil del préstamo, lo que podría ascender a miles de dólares de hucha en un plazo de préstamo de 10 o 15 primaveras. La mayoría de los prestamistas ofrecen precalificación, por lo que puede revisar las opciones sin afectar su puntaje de crédito.

Puede aminorar su suscripción mensual eligiendo un plazo más liberal

Si le resulta difícil realizar pagos en términos de 10 o 15 primaveras, considere un plazo más liberal, como 20 primaveras. Un plazo a liberal plazo reduce su suscripción, dándole más espacio en su presupuesto si recién está comenzando en la fuerza sindical en los salarios de nivel de entrada.

Siempre puede realizar pagos adicionales a medida que aumenta sus ingresos, ya que los préstamos estudiantiles no suelen tener una multa por suscripción anticipado. Pero, use términos más largos como postrer procedimiento para dosificar peculio en el préstamo. El monto total que reembolsa aumentará conveniente a los intereses adicionales acumulados durante la vida útil del préstamo.

Use una calculadora de préstamos estudiantiles para ver cómo cambian las cifras de intereses totales con diferentes términos.

Podrías reemplazar varios pagos con solo uno

Hacer un seguimiento de múltiples pagos de préstamos estudiantiles puede ser difícil, especialmente si sus préstamos se transfieren a nuevos administradores con diferentes procesos de suscripción. La refinanciación implica consolidar múltiples préstamos en un préstamo con un solo suscripción y un administrador de préstamos, lo que hace que sea mucho más liviana mantenerse al tanto de sus pagos mensuales. Tener un suscripción todavía reduce las probabilidades de perder accidentalmente un suscripción, lo que es más probable si tiene varios préstamos estudiantiles para gobernar.

Obtenga más información sobre la diferencia entre préstamos estudiantiles privados y federales para tomar una intrepidez informada sobre la refinanciación.

Sugerencia de bankrate

Aproveche la precalificación del prestamista para comprar y comparar préstamos de refinanciamiento sin afectar su puntaje de crédito. Cuando esté agudo para postularse, el prestamista hará una comprobación de crédito difícil, reduciendo su puntaje de crédito por algunos puntos.

Contras de la refinanciación de préstamos estudiantiles

Podría perder beneficios y protección federales

Los préstamos privados para estudiantes no tienen los mismos beneficios que los préstamos federales para estudiantes. No será elegible para características como reembolso basado en ingresos, descarga escolar cerrada, descarga de discapacidad total y permanente y defensa del prestatario al reembolso.

El Unidad de Educación de los Estados Unidos todavía ofrece alivio de suscripción por dificultades (períodos de aplazamiento temporal y períodos de paciencia) a todos los prestatarios federales, lo que puede ayudar a aminorar el aventura de incumplir su saldo si cae en tiempos financieros difíciles. Aunque los prestamistas privados pueden ofrecer algunas opciones prolongadas de reembolso y ayuda, generalmente no son tan flexibles como el alivio de los préstamos estudiantiles federales.

Necesitará un excelente crédito por las tarifas más bajas

Las tasas de refinanciamiento de préstamos estudiantiles más bajos van a los prestatarios con excelente crédito. Las tarifas pueden estar en los dos dígitos si tiene un crédito puntual o mal.

Las tasas federales de préstamos estudiantiles son las mismas independientemente de su puntaje de crédito. Si tiene un puntaje de crédito por debajo de 650, puede no tener sentido refinanciar a un préstamo estudiantil privado.

Necesita un ingreso estable y una depreciación relación de deuda para adscribir

La mayoría de los prestamistas requieren prueba de empleo y ingresos constantes de cerca de de $ 20,000 por año. Es probable que los ingresos asalariados o el trabajo por hora a tiempo completo conduzcan a una aprobación más liviana.

Además necesitará una relación de deuda / ingreso relativamente depreciación (DTI), entre 30 y 36 por ciento. Puede cronometrar esto dividiendo su deuda total con sus ingresos antaño de impuestos. Si no puede cumplir con estos estándares, es posible que necesite a algún con un buen puntaje de crédito, ingresos sólidos y bajo DTI para firmar para usted.

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