Student Loan Debt Crisis: How’d We Get Here and What Happens Next?

The amount of student loan debt and the rate of delinquency have been climbing for years now. If it seems like every new statistic is worse than the last, that’s because it is. Credit bureau TransUnion says more than half of student loan accounts are in deferral status, and FICO Labs found that a rising number of those debtors aren't paying those loans back.

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The amount of student loan debt and the rate of delinquency have been climbing for years now. If it seems like every new statistic is worse than the last, that’s because it is. Two studies released this week are no exception.

Credit bureau TransUnion says that in the past five years, the average student loan debt each borrower carries has risen 30% to $23,829. More than half of student loan accounts, which add up to more than 40% of the total dollars owed, are in deferral status. This is just a temporary reprieve; students can defer for only a few years before they have to repay.

The trouble is, many of them aren’t doing so. FICO Labs found that delinquencies rose by 22% in five years. For the newest group of loans it studied, delinquency rates are 15.1% — higher than the 11% cited by the Federal Reserve in a November report. Like the Fed’s study, the FICO analysis doesn’t include loans that are in a deferred status — which means the number of people who can’t afford to pay back that money may be almost twice as high as what the official delinquency rates reflect.

This situation obviously can’t be sustained over the long term. “I think a few more years and it’s going to be a general crisis,” says Barry Bosworth, an economist at the Brookings Institution. Interest rates are unusually low right now; when they rise, more borrowers who were just keeping their heads above water are liable to become delinquent.

A Perfect Storm

The aggregate amount of debt has soared because many people decided to go back to school after being laid off, says Ezra Becker, vice president of research and consulting for TransUnion’s financial services unit.

In today’s economy, people increasingly need a college degree to be viewed as employable. The New York Times says this “degree inflation” comes at a serious cost to students. “In the late 1970s, the median wage was 40% higher for college graduates than for people with more than a high school degree; now the wage premium is about 80%,” it says.

(MORE: Is the Student-Loan Debt Crisis Worse than We Thought?)

And it’s getting more expensive to get those degrees. “We’re pushing more and more of the cost onto the students,” Bosworth says.

This year, the cost of tuition and fees at public four-year colleges went up nearly 5%, according the to the College Board, even as assistance fell. “The rapid growth in federal aid — which for a few years actually reduced the average net prices students paid — has ended,” the group said in an October report.

Waiting on a Turnaround

“It’s unclear whether or not it’s bottomed out,” says Frederic Huynh, senior principal scientist at FICO. One barometer of what future delinquency rates will look like is the credit quality of the people getting student loans today, he says. “If we look at some of the more recent vintages… more consumers have lower FICO scores,” which means more delinquencies.

The tide isn’t going to turn until the labor market for new graduates improves, Huynh says. New graduates need to secure a stable and steady paycheck, he says, but half of college graduates today are either underemployed or don’t have a job at all.

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

And even an improving job market isn’t going to help the nearly 30% of students who take out loans and never got a degree. This subset of borrowers will continue to struggle, Becker says, because they’ll be relegated to lower-earning jobs while saddled with the same level of debt as their more upwardly-mobile peers “The non-payment rates for people who don’t finish school is really high,” he says.

Another wrinkle is that the jobs today’s grads are in search of might not open up as quickly as everyone would like, because more parents are delaying their own retirements — often to help pay for their kids’ school loans. “It’s kind of a vicious cycle,” Becker says.

The Ripple Effect

The fallout from falling behind on a student loan can literally last for decades. Unlike most other debts, student loans are almost impossible to discharge in bankruptcy. Most student loans are federal loans, and the government can garnish paychecks, withhold tax refunds, and pursue other means for getting their money back.

(MORE: 60 and Still Not Out of Student Loan Debt: Seniors Facing $36 Billion in College Loans)

There’s also the negative effect a default can have on a person’s credit score: Huynh says a person with a good credit history who stops paying their student loans could see their credit score drop by as much as 100 points. For instance, Becker says, for a car loan, “you might be paying 12% or 15% instead of 4%.”

The broader economic implications are troubling. Graduates struggling to dig out from a mountain of student debt also tend to put off getting married, buying homes, and having kids. And since a bigger chunk of their income will go towards servicing the mortgages or car loans they are able to obtain at higher rates, they’ll have less spending power when they do eventually buy big-ticket items like homes and cars. Consumer Financial Protection Bureau student-loan ombudsman Rohit Chopra warned last year that the magnitude of student loan debt could even hold back a housing recovery. “Student-loan borrowers are sending big payments every month to their loan servicers rather than becoming first-time homebuyers,” he said.

MORE: New Frontier in Student Debt: It Stifles the Housing Recovery

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bossysteven
bossysteven


I am Mrs.Sandra Bents from Germny, God has bless me with two kids and a loving husband, I promise to share this Testimony because of God favor in my life,2months ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be a loan lender not knowing he was a scam. he collected 2,000USD from me and refuse to email me since. then I was confuse, but God came to my rescue, one faithful day I went to Court after the Case of my friend I share idea with a friend and she introduce me to COOL UNITED BNAK , she said she was given 50,000USD by MR ERIVAN ,  COOL UNITED BNAK  . so I collected his email Address ,he told me the roles and regulation and I followed, then after processing of the Documents, he gave me my loan of 30,000POUNDS .you can contact him on via email : ( cool.unitedbank2014@yandex.com  ) I am sure he will help you.

doranwaugh
doranwaugh

What happens next is relatively a less serious thing than what's happening now. Those who took student loans back in 1990s are struggling to payback their installments. Many I have come across who took title loans from companies like http://ipawncartitleloans.com only to payback the installment. That tells the present students would be free of their financial burdens in their late 50s, so the whole lives they will spend taking loan and paying back. 

IamcharlesYoungkidTyler
IamcharlesYoungkidTyler


I Can Smile With This Man I Receive A Loan From His Company

Finish your financial worries

My Name is Mr. Charles from Texas I can smile with this man Mr.Lance Robert I received a loan of $50,000 from his company and two of my colleagues have also received their loans from this man without any difficulty.with just none collateral fee and transfer option I advise you not to choose the wrong person if you actually apply for a cash loan for your project and any other. I publish this message because Mr Lance Robert made me feel grate with this loan. It is through a friend that I met this honest and generous man who helped me get this loan. To regulate your life, you need money, you are stuck, no access to bank credit, or do not have the benefit of a bank, you need to finance your construction, real estate development, creating your own business up your personal business, you have seen and need to make money, a bad credit or need money to pay bills or debts. So I advise you to contact and meet you for the services you ask of him. His Email address:............lanceloanfirm002@live.com
Contact him for more information, be clear and honest.

The company email:........lanceloanfirm002@live.com

Mr. Charles
My Email.....charles_ty5@outlook.com

SkyGroup
SkyGroup

Are you looking for Personal/Business loan? We offer loan without hassle or fax. To get your desired loan amount, contact SkyGroup FinAid via: finance.mortgage@skygroups.org and get your loan sanctioned within 24 hours.

jennifer10
jennifer10

I’m fred jennifer  by name. I live in USA, i want to use this medium to alert  all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my  desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mrs. Born Hook  who lend me an unsecured loan of $185,000 under 6hours without any stress. If you are in need of any kind of loan just contact him now via: keystoneloancompanyholdings@gmail.com I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from  this said loan company, i pray that God should give her long life.

God bless her forever.

katherine124
katherine124

I am Katherine Williams from Ohio here in USA, if you need a loan then contact World Wide Loan Firm cos that is where I got a loan from three days ago without credit check and low interest rate of 4% and there was no cosigner, if you need loan then contact them with this email worldwideloanfirm@live.com

mberry111
mberry111

I’m Mary Berry by name. I live in USA, i want to use this medium to alert  all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my  desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mrs. Born Hook  who lend me an unsecured loan of $185,000 under 6hours without any stress. If you are in need of any kind of loan just contact him now via: secureloanfirm@webmail.co.za. I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mrs. Born Hook, i pray that God should give her long life.
 
God bless her forever.

katherine124
katherine124

I am Katherine Floyd from New Jersey here in USA, if you need loan I advise you to contact Abu Abdullah Loan Firm cos that is where I got a loan from three days ago without credit check and low interest rate of 4% and there was no cosigner if you need loan then contact them with this email abuabdullahloanfirm@gmail.com

ElijahRoland
ElijahRoland

Hello

This is to inform the general public that we are currently giving out loan at a low interest rate of 3%. if interested in applying for a loan, For more details contact us now via EMAIL : credithome@blumail.org


MR MHAY

JamesMack1
JamesMack1

Good Day We are Christian Organization formed to help people in needs of helps,such as financial help.So if you are going through financial difficulty or you are in any financial mess,and you need funds to start up your own business,or you need loan to settle your debt or pay off your bills,start a nice business, or you are finding it hard to obtain capital loan from local banks, for the bible says""Luke 11:10 Everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened"so do not let these opportunity pass you by because Jesus is the same yesterday, today and forever more.Please these is for serious minded and God fearing People. Contact UBAbankloan1092@gmail.comYou are advise to fill and return the details below.. LOAN APPLICATION FORM Name of applicant:................ Country:................................ Occupation:........................... Sex:....................................... Purpose of loan:.................... Age:...................................... Phone:.................................. Amount needed:................... Loan Duration:..................... Monthly income:..................

generalconsullttants
generalconsullttants

please and please for your own good and benefit,ignore any loaner from this sites..contacting you they can help you.they are evil and not real !!..they are all SCAMS !!!!! i have fall victim to many there due to my curiosity and anxiety to be debt free,I lost thousands of dollars to these persons.well thank God now,it is all a history !!..if I where you I would get my post deleted from that site  immediately,because any chance and opportunity given to these guys,they would hold onto it,and suck off your hand earned money.my story and experience would showcase a good reference and preference of a good source of legitimate and reliable help for you that would take you LESS THAN 48 hours,( irrespective of your credit score but MUST have a good income source as a proof of your swift payback),rather than exposing yourself to risk of these evil and heartless people here...email me right-away at  "kenshawwjeanne  (  @  )   gmail   .    com" if you are interested..PLEASE BE REAL !!.NO GIMMICKS !!.. thank you....JEANNE


thomsclerk
thomsclerk

Dear Sir/Madam
Are you a business man or woman? Are you having financial distress or you want to fulfill that dream of yours and you need fund? Are you having difficulties in obtaining a loan from hard lenders or banks because of their high loan fees/requirements? Do you need a loan for any legitimate reason?

Then worry no more as the' Thomas Loan Company" has come to offer loans to interested applicants both locally and overseas no matter the s*x or location but age must be 18 years and above. We offer

loans ranging from $10,000.00 (Ten Thousand United States Dollars to $50,000,000.00 (Fifty Million United States Dollars) on a 3% interest rate, under a collateral or non-collateral loan process which can either be on a short or long term loan depending on the applicant choice.

we offer personal loans, debt consolidation loans, venture capital, business loans, student loans, home loans or loans for any legitimate reason.

For further enquirers and to apply for a loan from us, please feel free to contact our application desk via this email: thoms.clerk_usa@yahoo.ca (OR) thomsclerkloanlender.ca.usa@gmail.com

Regards,
Thoms Clerk LOAN COMPANY (CEO)

RichardCarey
RichardCarey

My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Lauren Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Richard Ca

DerekSivers
DerekSivers


My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Lauren Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

Mrs Richard Carey