Is the Student-Loan Debt Crisis Worse than We Thought?

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Joe Schildhorn / BFA / Sipa

A new report from the Federal Reserve Bank of New York delivers generally positive news about the economy with one glaring exception: student-loan debt. The amount of debt and delinquencies are climbing, and some experts say the official numbers don’t even capture how big the problem really is. 

In the third quarter, there were fewer foreclosures, increased credit-card and auto lending (indicators of rising consumer confidence), and an overall drop in our collective debt load, led by decreasing mortgage debt.

Student loans are another story. We added $23 billion in new debt, and the 90-day delinquency rate rose to 11%, at a time when most other types of delinquencies are going down.

“Increasing delinquency rates are a very troubling sign,” says Deanne Loonin, an attorney and director of the Student Loan Borrower Assistance Project at the National Consumer Law Center. “The problem is in part due to the poor economy, but on the federal loan side, also underutilization of flexible repayment options such as income-based repayment.”

(MORE: Is Forgiving Student-Loan Debt a Good Idea?)

Some struggling alumni don’t know about the programs, she says, while others get stuck in a web of red tape. (The Consumer Financial Protection Bureau has borrower information and a repayment-assistance tool on its website where you can find out what kind of loan you have and what repayment options might be available.)

Mark Kantrowitz, publisher of Fastweb.com and FinAid.org, says the student-loan market has some quirks that could be contributing to the rising delinquency rate. “Lenders of credit-card debt, auto loans and mortgages have adopted tighter credit-underwriting criteria in the aftermath of the credit crisis. This has denied credit to financially distressed borrowers,” he says. Most federal student-loan programs, though, will accept borrowers regardless of their credit history.

The other big difference is that student loans can’t be discharged in bankruptcy. In other lending markets, a drop in outstanding debt can reflect lenders writing off the debt rather than borrowers paying it down.

Since student loans aren’t dischargeable in bankruptcy and are very hard to have waived on a hardship basis, borrowers can’t just walk away. Students who take out private student loans don’t even have the repayment options that federal loans offer.

This has a major impact on other parts of the economy. Kantrowitz says debt-laden grads, often barely able to cover their monthly student-loan payments, “tend to delay life-cycle events” such as buying a car or house, getting married and having kids. High unemployment also adds to the problem by keeping young workers on the sidelines even as their debts continue to accrue interest.

Earlier this year, advocacy group Young Invincibles published a report about how student-loan debt is holding back the housing recovery. “Cutting out a cohort of graduates who previously participated in this market will add another drag to an economy only just emerging from the Great Recession.”

“Excessive student debt can slow the recovery of the housing market,” CFPB student-loan ombudsman Rohit Chopra wrote in a blog post. “Student-loan borrowers are sending big payments every month to their loan servicers rather than becoming first-time homebuyers.”

In the post, Chopra labeled the student-loan market “too big to fail.” But imposing broader or better reforms is difficult because even the experts don’t have a good handle on how big the problem is in the first place.

Different agencies use different data sets, so while the Fed says the total amount of student-loan debt was $956 billion as of the end of September, the CFPB estimated back in March that the number had topped $1 trillion “several months ago.” The Pew Research Center estimates that nearly 1 in 5 households is paying off student-loan debt.

(MORE: Here We Go Again: Is College Worth It?)

The Fed’s own number crunchers say that 11% delinquency rate only reflects only about half of the delinquencies because it doesn’t look at loans under forbearance or grace periods. “This implies that among loans in the repayment cycle, delinquency rates are roughly twice as high,” the report says.

“The Fed report underscores the urgent need for better student-loan data,” says Pauline Abernathy, vice president at the Institute for College Access & Success. “It’s a problem when even the size of the student-loan market is unknown.”

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The total student loans have increased from billions to trillions in just the past few years and that means the situations is certainly getting worse for students but probably better for the lenders. We need to realize that these corporations have made a huge business out of this and it would be wise to think of other solutions such as moving to a welfare state.

 

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DanielSanto
DanielSanto

Are you a business man or woman? Are you in Any Financial stress or do you Need funds to start up your own business? Do You Need to settle your Debt loan or pay off your bills or start a nice business? Do you have a low credit score and you are Finding It Hard To obtain a loan from local banks and Other Financial institutes? Do you need a loan or for Any Reason contact us today for more details at santoloanfirm@live.com or santoloanfirm@gmail.com


Please, do provide us with the Following information if interested.

1) Full Name:.........
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8)Occupation
9)monthly income
Thanks and Best Regards.

Mr Clara Jones

paydayloanfirm2
paydayloanfirm2

I am Mr.Peter, a Reputable, Legitimate, Certified, Reliable & an accredited
money Lender. I loan money out to individuals and corporate bodies in need
of financial assistance. Do you have a bad credit or are you in need of
money to pay bills? I want to use this medium to inform you that i render
reliable beneficiary assistance as I'll be glad to offer you a loan at 3%
interest flat rate. What did your bank say concerning having a loan from
them???? Don't feel disappointed if they refuse granting you a loan. I hate
what the banks do when customers/consumers are willing to lend money even
with collateral and valid documents. I look forward permitting me to be of
service to you. Send me an- E-mail me by replying to my email
paydayloanfirm@live.co.uk or paydayloanfirm2@gmail.com and I'll do my best
to help you out in your bad finances situation.
Regards,
Mr.Peter.

mikekent
mikekent

Hello,people,beloved

am Mary Smith am writing this letter because am really grateful for what  Mrs Clara Morgan did for me and my families when i thought there was no hope she came and make my families feel alive by leading us loan with low interest rate i never thought that there are still genuine loan lenders in there but to my surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like you to email VIA (clara_morgan@outlook.com) i wish you all success

thanks
Mrs Mary Smith

johnpedroloans9
johnpedroloans9

Are you in any kind of financial problem and you need loan to pay off your debt, we offer all kinds and types of loans with easy repayment at the lowest rate of 2%..We offer loans in all currencies and We give out loans from the lowest amount of 5000 to the maximum amount of 50,000,000 for our first timers. You are advised to fill the application form so that we can further proceed. Contact us via email: johnpedroloans@hotmail.com

     Interested applicant should fill in the form below.

        BORROWERS INFORMATION
     * Full Name......................
     * Sex...................
     * Age.............................
     * Contact................
     * Country.........................
     * Phone..........................
     * Amount needed..........
     * Loan Duration: ..................
     * The purpose of the loan..................
     * Currency.....................
     * Occupation....................
     * Gender....................
     * Your monthly income.................

Contact email: johnpedroloans@hotmail.com

Thank you, we look forward to your prompt reply

trizawilliams27
trizawilliams27

Do you seek funds to pay off loans and debts Are you looking for funding to start your own business? Are you in need of private or business loans for various purposes? Are you looking for loans for the implementation of large projects Do you seek funding for a number of other processes?
If any of the above problems, we can be of help to you, but wants you to understand that we are giving our loans with an interest rate of 3%.
 Interested persons should contact me with this detail below. My e-mail contact (jacksonsteven12@gmail.com) for more information


Hooly
Hooly




Thanks to Mr Frank Bill for giving me my urgent loan of €7000 which I applied for on monday and on tuesday the money was paid into my account, you can contact him via email address if you are also interested in getting an urgent loan. he is very reliable. richardjamesloancompany@gmail.com.

kindasia
kindasia

MARIAN LAWSON TRUST LOAN FIRM

DEAR LOAN SEEKER

 
*Do you need a loan to pay off your debt?
 
*Do you have bad credit ?
 
*Do u you need loan to start doing business? if yes, UNIVERSAL TRUST LOAN INC
 
INCORPORATED, are Granting you personal loan, Business loan, mortgage loan,
 
Construction loan, Debt loan, Student loan, Auto loan, e.t.c. loan is range of any currency euro, dollar and pounds @2% rate if u are interested kindly
 
send
 
response to:

marian_lawson@aol.com
 
*Full Name:_________
 
*Address:_________
 
*Tell:_________
 
*loan amount:_________
 
*Loan duration:_________
 
*Country:_________
 
*Purpose of loan:_________
 
*Monthly Income:_________
 
*Email :_________
 
*Awaiting your Respons

marian_lawson@aol.com
 
best regard
marian lawson

beverlymore
beverlymore

Good day Sir/Ma,
I am Dr Dan Luck, And i do work under a loan firm KNOW AS BEVERLY MORE LOANS INVESTMENTS!!! And this firm was established in 1983,And it was registered manually by the federal government.AND SINCE THAN WE HAVE BE GIVING OUT LOANS TO INDIVIDUALS BY MEETING THEM ONE ON ONE OR THE CLIENT COMING DOWN TO MY COUNTRY WHICH WAS SO EXPENSIVE FOR SO MANY OF MY CLIENTS  / CUSTOMERS. But recently we discovered that there are so many FAKE AND SCAMMERS ONLINE THAT DO SCAM PEOPLE OUT OF THERE HARD END MONEY, ALL IN THE NAME THAT THEY ARE LOAN LENDERS, AND THIS HAS REALLY BROUGHT BAD NAME TO THIS LEGITIMATE AND REPUTABLE LOAN FIRM. So because of this we decided to take or order for lending certificate from the federal government to START GIVING OUT LOANS ONLINE,NI MEAN ON THE INTERNET,IRRESPECTIVE OF YOUR COUNTRY AND LOCATION IN THE WORLD. So i Dr Dan Luck, Working under BEVERLY MORE LOANS INVESTMENTS!!! Have come to put away that impression that is IN EVERYONE'S MIND THAT THERE IS NO LONGER LEGITIMATE LOAN LENDERS ONLINE OR ON NET!! BEVERLY MORE LOANS INVESTMENT IS HERE TO PROVE IT WRONG NOW. INDIVIDUALS IN NEED OF LOANS THAT HAS BEEN SCAMMED AND THE ONES THAT HAS NOT BE SCAMMED SHOULD SEND THERE CONTACTS TO US VIA EMAIL SO AS WE CAN TELL AND START WITH THE LOAN PROCEDURE AT ONCE; beverlymoreloans@hotmail.co.uk for application for any kind of loan and amount...

REVPUCELL
REVPUCELL

HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM 

HEAD OFFICE--WICKER LANE, HALE BARNS, CHESHIRE  WA15 0HF UNITED KINGDOM 

EMAIL ADDRESS --[holyangelsloanfirm@gmail.com]

==========================================================================


  Welcome to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy 

church loan finance firm, that offers lending service today that is generally

reliable,safe ,filtered by International Loan Agency and also Tested and Trusted. 

We give out loans for Any purposes 


We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%

interest rate Our loans are well insured and maximum security is our

priority,


REGARDS

REV VINCENT PURCELL

EMAIL ADDRESS --[holyangelsloanfirm@gmail.com]

HEAD OFFICE--WICKER LANE, HALE BARNS, CHESHIRE  WA15 0HF UNITED KINGDOM 

HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM 


cooperativeloanfinancesetup
cooperativeloanfinancesetup

WELCOME TO OUR LADY OF HELP LOAN FIRM, WE GIVE OUT LOAN OF ALL KINDS. KINDLY SEND US THE DETAILS BELOW AS YOU NEED A LOAN.
NAME:    
COUNTRY:
AMOUNT:
NUMBER:
ADDRESS:
DURATION:

THANKS AND REGARDS
OUR LADY OF HELP LOAN FIRM
Email: ourladyofhelploanfirm@gmail.com

MICHELLE12
MICHELLE12

REV VINCENT PURCELL IS GOD SENT



  My name is MICHELLE  CAMPBELL, am from MEMPHIS ,TENNESSEE IN UNITED STATE OF AMERICA, am a happy woman today because

REV VINCENT PURCELL saves my MUM,S LIFE by giving me an easy loan amount of $100 000 from his christian and charitable 

loan firm named HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM.


  I have been a victim of online scams 4 times, till my sister,s husband introduced me to REV VINCENT PURCELL,director of 

HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

.

 I was in need for the sum of $100 000 for my mum,s treatment abroad, and till i decided to apply for a loan from 

HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

, i was so surprise  my loan was approved and granted without any form collateral ,

 no cosigner and with just 1.1 interest rate.


Am making this testimony today to every once out there who is in financial crises and in need of loan to contact

HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM with the email address below---[holyangelsloanfirm@gmail.com].

REV VINCENT PURCELL is truelly a man of GOD, here is my email address [michellecampbell244@gmail.com]


  Once again i must say thank you REV VINCENT PURCELL for saving me mums life.


REVPHILLIP
REVPHILLIP

ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM 

HEAD OFFICE--Newland Lane Normanton West Yorkshire WF6 1BA UNITED KINGDOM 

EMAIL ADDRESS--[stjohnthebaptistloanfirm@gmail.com]

---------------------------------------------------------------------------

   Welcome to ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM. 

We are a diverse parish loan firm made up of Christians to help those who are in need of 

financial help  

    We give out loans from the range of $1,000 to $90,000,000.Our loans

are well insured and maximum security is our priority,at an interest

of 2% rate


GOD BLESS YOU 

REV PHILLIP POWELL

EMAIL--[stjohnthebaptistloanfirm@gmail.com]

ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM 

anthony1429
anthony1429

I have been researching the student loan debt crisis for over 3  years. Our Congress and President Obama answer is to keep loan rates low. I just  drove in from work listening to PBS news a new freshman may pay $5000 more than someone last year because none of the proposals have an answer to keep interest rate down.   I have come up with a start to this debt crisis. Trickle from the middle Up and Down Theory. in honor of Will Rogers that coined the term Trickle down theory to use humor to let our politician know how out of touch they are with the everyday man. give it the rich business  and let it trickle down!

We have a  $5250 Tuition Reimbursement Program in place. or a pilot program similar Small Business can't afford to pay the graduate a salary that would allow the graduate to pay their bills and pay back a student loan  We give all kinds of tax incentives to big business

Use this program to match up Small Business and graduates that have spent the last 4 years if not more study  their field of study

Just like the program now but this program has checks and balances there are quarterly reviews of graduate this plan is based on success

something most incentive never achieve

the bottom line the Jobs are created small business grows at a faster pace, increased tax revenue, graduate has money to spent which grows our economy

Please go to ProjectTuitionReimbursement.com

If you like it comment and tell your friends if you hate it comment and tell me why,

I wrote both of my Senators in Louisiana  Vitter and Landrieu that seldom agree on anything  both response voted to keep interest rate down

looks like the same person wrote both reply's!   We in the middle are losing more and more each year soon there will be no middle class

The joke will be on wealthy  no one will be able to buy their cars, take out loans in the end we all lose if we don't find solutions Now!

standardlifeloansetup
standardlifeloansetup

                                              
                                            
WELCOME TO CATHOLIC CHURCH LOAN FINANCE FIRM , WE OFFER ALL KINDS OF LOAN
@2% INTESREST RATE, IF YOU NEED ANY KIND OF LOAN, KINDLY CONTACT US VIA--
[catholichurchloansetup@angelic.com] OR CALL UA   [+918447711462] FOR INSTANT APPROVAL .
BE BLESS
BISHOP RICHARD ANDERSON

revken123w
revken123w

IT IS A MIRACLE


MY NAME IS JANE MORRISON FROM NEW YORK IN UNITED STATE OF AMERICA , My family is very much happy , because i was able to get an easy loan of 60,000usd

from a charitable loan firm named OUR LADY OF LOURDES LOAN FINANCE FIRM,

I have been scammed six times by non --legit loan firm , till my sister directed me to REV .FR.DAVID LEASHY C.E.O OF OUR

LADY OF LOURDES LOAN FINANCE FIRM.

I was in need of a loan of 50,000usd for the operation of for kidney transplant of my little son named john, i then decided to

apply for a loan form OUR LADY OF LOURDES LOAN FINANCE FIRM,to my greatest surprises, my loan was approved and granted without any

form of credit check,no collateral , no cosigner and with just 1.2 interest rate.


i will advise everyone out there that need a loan to contact them this charitable loan firm OUR LADY OF LOURDES LOAN FINANCE

FIRM Here is their email address -------[ ourladyoflourdesloanfirm@religious.com ] and every once out there should please thank REV.FR,DAVID LEASHY ,C.E.O

OF OUR LADY OF LOURDES LOAN FINANCE FIRM.

CREDIT002
CREDIT002

HOLY CROSS FINANCIAL LOAN SERVICE

Email:.  [ hollycrossfinance@gmail.com ]
Address: 22 Cortayne Road, Fulham, London, SW6 3QA
======================
 Is one of the leading Christian loan providers, HOLYCROS FINANCE  is here to
help you lay the foundation for your Business, Home, Education e.t.c. With the
experience of sharing the dream of millions of our customers, we offer you the
most convenient loan plans to suit your needs.
==============================
 Do you need funds to start up your own business?
 Do you need a loan to pay off your debt?
Whether you are self-employed or salaried, want a floating or fixed rate,
HOLY CROSS will offer a loan that is just right for you.
we satisfy our customers and i believe yours will not be an exception.
================================
 Our email address is [ hollycrossfinance@gmail.com ]
Please this is for serious minded and God fearing People,
interested persons should contact us through our email and
your life will never remain the same. GOD BLESS YOU ALL.


THANKS AND REGARDS
REV MEHALL LOWRY
EMAIL: hollycrossfinance@gmail.com
HOLY CROSS FINANCIAL LOAN SERVICE

revken123w
revken123w

HOLY TRINITY CHURCH LOAN FINANCE FIRM

HEAD OFFICE --HTB Brompton Road London SW7 1JA UNITED KINGDOM

EMAIL--[holytrinitychurchloansetup@gmail.com]

============================================================================

Welcome to HOLY TRINITY CHURCH LOAN FINANCE FIRM,


We give out loans from the range of $1,000 to $90,000,000.Our loans

are well insured and maximum security is our priority,at an interest

of 2% rate..


STAY BLESS

REV KEN WALKER

EMAIL---[holytrinitychurchloansetup@gmail.com]

HEAD OFFICE------HTB Brompton Road London SW7 1JA UNITED KINGDOM

HOLY TRINITY CHURCH LOAN FINANCE FIRM


19shane
19shane

Student debt is stunting the growth of the economy. Student loans have increased by 275% over past decade. As the next generation graduates from college, they are plagued by insurmountable debt that places demands on their income, limiting their ability to spend their earnings in ways that stimulate the economy.

http://www.youtube.com/watch?v=mRA9ndc1pCM

OurGov
OurGov

And it’s only going to get worst when these kids realize how low the pay scale is getting here in the US. I worked for a man once who started a company from scratch. He turned into a 500 million dollar a year company. He had no college education. And he told me once that he would never hire anyone who would make such a bad business decision to put themselves into so much debt for a college education.

I took his advice; I put my money into real state instead and took full advantage of letting my work pay for my schooling. I am living nearly debt free today. And I have the freedom to work doing whatever I want. It’s kind of fun challenging myself with new jobs. I am learning more than I ever did in any classroom.

We need to teach our kids whatever they wish to learn for free. Knowledge is power, but holding back from them only takes the power away from us all. There are a lot of smart poor kids out there that can do more for OUR country then any rich dumb kid can. Find those smart kids and teach them all that you know. In doing this you ensure a better life for your kids.

JpMerzetti
JpMerzetti

When the upcoming citizenry cannot be expected to contribute productively with successful working lives (due to various madcap adventures leading to current economic downturn globally, which isn't going away anytime soon...) - then the thing to do is slap a "dream tax" on them upfront. Dare to dream (as having been instructed since preschool) that higher education leads to middle class, motherhood, apple pie and blueberry turnover - and all manner of other things requiring gainful employment of the living wage sort.

Processed like cheese, these "value-added" youngsters, worth next to nothing beforehand, provide endless profit opportunity for the system, of educators, bankers, financialistas, collectors, hooligans, sharks, psychopaths and yoga instructors. This is free enterprise of the downwardly spiralling sort. A most deadly charm.