Why Can’t People with Student Loans Refinance at Better Rates?

Thirty-seven million people with $1 trillion in student debt have been unable to take advantage of historically low interest rates. Is it time to invite them to the refi party?

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The cost of not getting a college degree is rising, new study finds

One of the few silver linings of the Great Recession has been a sharp drop in interest rates that has lowered the cost of borrowing for millions of consumers. The historic decline in rates, however, has done almost nothing for folks with a student loan.

Those with college debt have largely missed the refinance boom. Why? Congress—not the free market—sets the interest rate on the vast majority of student debt, and because these loans are not secured by collateral private lenders are loath to undercut the federal government’s terms.

Borrowers with decent credit have gotten relief in virtually every other sphere. By one estimate, low rates are saving the typical household $3,100 a year. Americans now spend 5.8% of after-tax income on consumer interest, the smallest share in 34 years and a sharp drop from 9.1% before the recession. Mortgage interest payments alone are down 30%.

Corporations and government have benefited from the refi boom as well. Companies with a stellar credit rating sold more than a $1 trillion of bonds last year, a record, and most of the proceeds were used to replace higher cost debt. Meanwhile, the federal government’s debt service has remained about the same since the onset of the recession—but only because debt outstanding has doubled.

(MORE: Schools Suing Graduates for Defaulting on Loans)

Lower rates have not rescued all borrowers. Many who have poor credit or little or no home equity haven’t been invited to the refi party. And low rates have been anything but a boon to savers, who must settle for paltry rates of return on secure fixed-income investments.

But does it make sense to shut student borrowers out of the refi bonanza? Student loan debt is at $1 trillion—of that, the federal government backs $864 billion. Most of this debt is at an interest rate higher than 6%, according to a new report from the left-leaning think tank Center for American Progress. That’s almost twice the rate of an average 30-year mortgage — and, more to the point, it is three times what it costs the federal government to borrow.

In other words, the government—standing behind these loans anyway—could refinance them at a lower rate without losing money on the loans. That doesn’t mean there wouldn’t be a cost. The government will show a profit this year of nearly $34 billion on these loans, the Center reports. This is a tough budget environment to ask Congress to kiss off a cash cow.

According to the Center, applying a 5% rate to all federal student loans with a rate higher than that would save individual borrowers $14 billion in 2013 alone. “We have options,” says Tobin Van Ostern, deputy director of the Center’s youth-focused division, Campus Progress. “We need to start the conversation and keep up the pressure for action.”

Some 37 million Americans owe money for their education. Many are older than 30 and 15% are 50-plus. A growing portion is sinking beneath their debts. More than 13% of students whose loans came due in 2009 defaulted on the debt within three years, the Center reports. Another 26% fell behind in payments, the first step towards default.

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Many borrowers haven’t done all they can to keep costs down. The majority of those who have student debt have at least some expensive private debt even though they have yet to exhaust their limit of low-cost federal loans. Many also treat these loans as free money, tapping them for non-school expenses or deferring payments and letting interest expense build.

But we’re not talking about forgiving student loans here—only giving borrowers the chance to refi at a lower rate. It makes little sense for the federal government to protect its profit when the Feds also must absorb losses that flow from high rates pushing borrowers into default.

182 comments
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For God's sake stop trying to scam these poor hard working professionals paying off their student loans. All we want is a chance to refinance to the lower interest rates that everyone else currently enjoys, and to pay off our loans with dignity. The Federal Government is profiting off our high interest student loans, and they don't want to let go of that cash cow. Please write Congress and the President to help with this tragic state. Our economy would grow faster if the working professionals, paying their loans in good standing, could save a little off the interest paid and instead invest that money or spend it.... 

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annabarger1
annabarger1


Hello everyone my name is  Anna Barger, am here to testify how i was scammed by various loan lender from this  site.I was in need of a loan and i applied from various loan lenders from this very site.They asked me to pay some amount of money at different basis but i never get my loan.This was how i lost the sum of 5000USD .I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to Elvin Morrison. He told me how he has helped him with loan at several cases without any delay.I was scared and never believe him.He urge me to trust him,this was how i as  introduce to him through his email{ elvinloancompany@yahoo.com }.He told me he will offer me the loan that i only need to comply with them.I did as he told me and without any delay,i received my loan as he earlier promise.

Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet Elvin Morrison through his email elvinloancompany@yahoo.com . He is a registered reliable loan lender.

DomWilson
DomWilson

@annabarger1 
DO YOU NEED A LOAN!!!
Hi, My name is Mr dom wilson. I am a private
lender who give out
loan to private and corporate
individuals. Have you been turned
down
by so many banks? Do you need
finance to establish your business? Do
you need finance for the expansion of
you business? Or do you need a
personal loan? My loan ranges from
personal to business loan. My
interest rate is very affordable and our
loan process is very fast as well.
I am very willing to make all your
financial troubles a thing of the past.If
you
are really ready to get your financial
problems solved,Then search no
further and apply for a loan today.If
you are interested fill the DATA
FORM so that i can give you my terms
and conditions.
BORROWERS DATA FORM
1)YOUR NAME..........
2)YOUR COUNTRY..........
3)YOUR OCCUPATION..........
4)YOUR MARITAL
STATUS..........
5)PHONE
NUMBER..........
6)MONTHLY
INCOME..........
7)ADDRESS..........
8)PURPOSE..........
9)LOAN REQUEST..........
10)
TELEPHONE..........
11)LOAN
DURATION..........
My email address is stated below: I
look forward to doing business with
you.
==========
Thanks
Mr taylor smith
Reply Email:domwilsonloancompany@gmail.com

BrendaWilliams
BrendaWilliams

Good day Audience. I am Brenda Williams a single mom, from Ohio USA, i want to use this great medium to announce this lender Mr Jobert Beck who is really a God sent to my family. few months back i was in search of a loan form the internet where i was scammed of $3000.00, i never thought i will ever apply for a loan on the internet again before i met a post about this lender made by one Monica Carlos who also got a loan from him, then i took a try again, after loan processing i was ask to provide my banking details which i did and to my greatest surprise i was granted a loan of $45,000.00 at first i thought it was a joke until i got to the bank to confirm and it was true, i was overwhelmed with joy. so i want you all who desire a loan and are capable of paying back the funds at the due time to contact:(jobertloancompany@yahoo.com) or (jobertloancompany@gmail.com) and be a partaker of my testimony.


DomWilson
DomWilson

@BrendaWilliams Good Day All Of You I am dom wilson,
a reputable, legitimate & an accredited company money Lender. we loan money out to the individuals at the rate of 3%, in need of financial assistance. Do you have a bad credit or you are in need of money to pay bills? We want to use this medium to inform you that i render Reliable beneficiary assistance as we will be glad to offer you a loan. No credit check, 100% Guaranteed.(email:domwilsonloancompany@gmail.com) the applicant will start the repayment of loan 7 months after the loan has been transferred to him/her. Failure to pay back the loan at this expected date/period, legal actions will be taken against the applicant by our attorney immediately. Applicant who is unable to meet with the repayment will be given 2 weeks more as a grace period before legal actions will be taken. Particulars: The borrower must provide either one of the following:-A Driver’s License, An International passport, Or a valid Identity Card bearing his/ her name. You are required to fill the form below before we can proceed with your loan. LOAN APPLICATION FORM: Name Of Applicant:…………… Address:……………. City:………………….. State:…………………… Country:……………….. Gender:…………………. Marital Status:……………. Age:……………………. Occupation:………………. Income Rate:………………. Tell:……………………… Office Number :……………. Mobile:………………….. Amount Requested:…………… Loan Duration:……………… Loan Purpose………………… After submitting the Loan Application, you can expect a preliminary answer less than 24 hours and funding within 72-96 hours of receiving the information we need from you contact our company email: domwilsonloancompany@gmail.com Regards. Mr dom wilson

 

sexymich1996
sexymich1996


To Whom It May Concern,

What is your situation? Need 100% financing, Can't verify income, Can't verify employment, Recently self-employed, Bankruptcy, Collections, Credit Issues. Contact us today for all kinds of loans and you will be given the best of all financial support such as, *Project Financing *Business Loans *Personal Loans *Debt Consolidation *House Loans *Line of Credit *Car Loans *Combination Loan.

We are direct lenders and into 100% International Project Financing and we are currently looking for Loan agents/broker to work with us, we shall be very glad to work with you as our loan broker or agent in your country.

FOR MORE INQUIRY CONTACT US VIA THE FOLLOWING E-MAIL: michaelawilliams@mighancrditgroupltd.com

Tel +447087629692

Best Regards

Mrs. Michaela Williams

Online Advertising Agent

Migham Credit  Finance Ltd UK

DoroSmith1
DoroSmith1

Hello, I am Mr. Doro Smith loans Service Lender, we are a legit, registered and guaranteed loan company and we give out loans to individuals, companies, government establishments, churches and business organizations and people of all sorts. Are you in need of a loan for any purpose? Are you in a financial problem? Do you need financial solution? Doro Smith loans Service is the solution to all your financial problems, our loans are easy, cheap, and quick. Contact us today for that loan that you desire, we can arrange any loan to suit your budget at only 3% interest rate. If interested, contact us immediately via email,(dorosmithloanfirm@outlook.com)

EvelynReed
EvelynReed

We are seeking genuine companies/ individuals looking for Loans to finance their business or expand existing ones. We also deal on all kind of Bank Instruments. please contact us at::::::kirkleonfinances@gmail.com

[1]Project Funding / Financing
[2] Unsecured loans, Commercial loans
[3] Worldwide project financing
[4] Equity Loan Financing
[5] Personal Financing
[6] Issuance and discount of all bank instruments like BG, SBLC, LC, MTN, POF, PPP
[7]Bills of Exchange
[8]Property Loan & Mortgage

If Interested kindly contact:

Contact : Mrs Susan Reed
E-mail :kirkleonfinances@gmail.com

EhisLee
EhisLee

Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:jorgebeckerloans1@yahoo.com

Apply now for all kinds of loans and get money urgently!

* Appointments in the amount ranging from $1,000 to $50,000, 000.00
* The interest rate is at 3%
* Choose between 1 and 40 years of repayment.
* Choose between Monthly and annual repayment plan.
* Terms and conditions of the loans flexibility.

All these plans and more, please contact us.
1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:...............
6.Loan Duration:..........................  
Email:(jorgebeckerloans1@yahoo.com
Best Regards,
Mr Jorge Becker

doranwaugh
doranwaugh

There are several more controversies unnoticed rather employees with student loans on their heads. Better interest rates must be enough to make a difference unlike turning into a flash in the pan. The statistics tell that most students of 2014 would not be able to clear their loans until the end of their 40s. That’s a serious threat since most of them would be forced towards taking payday loans in order to stay on board. Improving this situation requires considerable efforts, for sure.


JohnSewell
JohnSewell

AFFORDABLE LOAN NOW AVAILABLE @ ICC Mortgage And financial Services, Is a sincere and certified private Loan company approved by the Government, we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with 

a negotiable duration.


Available now


MORTGAGE, PERSONAL, TRAVEL, STUDENT, EXPANSION OF BUSINESS AND NEW UNSECURED, SECURE, CONSOLIDATE

Apply for a loan today with your loan amount and duration, Its Easy and fast to get. 4% interest rates and monthly installment payments.


FOR MORE INFORMATION: 


Mr.John Sewell

Email: johnsewell166@gmail.com

dorosmithloanfirm
dorosmithloanfirm

Are you a man or woman in need of a loan for Christmas, or Are you in any financial mess or do you need a loan to start up a nice Small Scale, medium or large business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. search no further and Get the best for your family this Xmas and own your dream home as we are here to give you the service you desire to the very best of our ability in guarantying you a loan with low interest rate @2% per annul for individuals, companies and corporate bodies. Interested applicants should Contact us now at:dorosmithloanfirm@outlook.com

StandardLoan
StandardLoan

Do you need a loan? 

Do you have bad credit? 

You need money to pay the bills? 

You need to start a new business? 

Do you have unfinished project at hand due to poor funding? 

contact us via mail 

standardloan1990@outlook.com

dannie
dannie

Do you need a financial help ???
My name is Mr terry mark we are money loan lender of financial help
company ltd at 2% Interest Rate, if you need an urgent loan do fill our
LOAN APPLICATION FORM
Full Name:
Email:
Telephone No:
Home Address:
City:
State/Province:
Country:
Fax Number:
Occupation:
Monthly Income:
Age:
Do You Have An Account? :
Have You Applied Before? :
Loan Amount Needed :
Loan Duration :
Purpose of Loan :
any kind of financial help feel free to reply via email accessfinnaceplc@gmail.com
waiting for your urgent respond soon thank you....