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.

(MORE: How to Plan on Good Weather)

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.

160 comments
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joni123
joni123

My name Hawkins, i am from California USA, married, i have been searching for a genuine loan company for the past 3 years and all i got was bunch of scams who made me to trust them and at the end of the day, the took all my money and left me moneyless, all my hope was lost, i got confused and frustrated, i lost my job and find it very difficult to feed my family, i never wanted to do anything will loan companies on net anymore, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my surprise i got the loan in 24 hours, i could not believe my eyes, i am happy and rich today and i am thanking God that such loan companies like this still exist upon this fraud stars all over the places, please i advise everyone out there who are in need of loan to go for Mr.Barry James By Email  barrylender070@hotmail.com  , they will never fails, your life shall change as mine did.

RichardCary
RichardCary

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 Tony 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

barbaraarnold0975
barbaraarnold0975

Hello Every One,

My Name is Mrs Barbara Arnold, i live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with three kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr.Barry James who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $35,000 USD and i payed for my husband surgery and thank GOD today he is okay and can walk and is working and the burden is longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mr Barry James and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man via barrylender070@hotmail.com   and i want you all to pray for this man for me


drcliffecarloswu
drcliffecarloswu



Good day. I can’t hide this great testimony that take place in my life I will love everyone to know it and be partaker that is why I always place it on answer, I am Mrs cecelia jonny by name, I live in Mexico, United State Of America, I want to thank Mr ( Thoms Clerk) for his kindness upon my family life. I never knew that there is still nice lender like this on internet and earth here. Just some Months Back, I was in search for a loan of $85,000, as I was running out of money for feeding, and my bills include rent. I was scammed about $1,000 Dollars and I decided not to involve my self in such business again but a Friend of my introduced me to a loan firm due to my appearance and doings. And I told her that I am not interested of any loan deal anymore but she told me that there is still a nice lender who she will recommend me to, and I made a trial and I am most grateful lucky am I today, I was given a loan amount of $100,000.00USD, by this great Company managed by Mr ( Thoms Clerk) If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via: thoms.clerk_usa@yahoo.ca (OR) thomsclerkloanlender.ca.usa@gmail.com And you will be free from scams in the internet. My lovely Husband extend his greeting to the world also if not for Mr ( Thoms Clerk ) I can’t imagine the way life should be for my family today.Please I am begging you to help me thank Mr (Thoms Clerk) you and I will always being sharing this great thing that happen in my life in answer everyday. You are the one who remove me and my family out of poverty, my family extends their greeting to you. please for any information’s you can contact me on my email below:( thoms.clerk_usa@yahoo.ca (OR) thomsclerkloanlender.ca.usa@gmail.com

).com God bless you.


Mrs cecelia jonny.

BrownWalter
BrownWalter

                                    Net-West  Financial Loan Firm

Loan Application Form

Get A Loan Now Quickly And Easily

Due to the current state of the market most people will find it
difficult to get approval for an unsecured loan, business loan,
personal loan, home loan, auto loan, student loan, debt
consolidation loan, venture capital etc. by mainstream lenders.
Net-West Financial Loan Firm has partnered with a network of loan advisers who can save you time by summarizing your options to borrow money, or giving you advice on alternative options to taking out a loan. we grant out loans to companies and individual at a low and affordable interest rate of 2% Interest. contact us today so that we can proceed further. contact us now via:Email- netwestloan@hotmail.com

Fill in the form below and submit so we can proceed

Your Loan
Loan Amount (£):............................................
Loan Purpose:................................................
loan Duration:..................................................
Are you a homeowner? Yes No:...............
Describe your credit profile? Good Fair
Poor:.......................................

About You

Title:............................................................
First Name:...............................................
Last Name:...............................................
Date of Birth:.............................................
Telephone:...............................................
Work/Mobile Number:..........................
Postcode:.................................................
State:..........................................................
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Employer Name:....................................
Job Title:...................................................
Time Employed:.....................................
By submitting your information, you acknowledge you have
read, understand, and agree to the terms of our Privacy Policy
and Terms & Conditions of Use, and authorize your information
to be shared with select lending partners
Best Regard

Mr Brown

Sherell
Sherell


Hello My Dear,

i am Joni Dale from Los Angele’s in United State of America am testifying of a company that have human feeling and God fearing person, who i meet in yahoo answer in not less than 48 hours ,i was looking for a private Loan company where i can get a loan of about 190,000us dollars .so i saw someone testifying for a company that give her a loan of about 80,000us dollars within 24 banking hours’ Then i contact the company because i don’t believe in testimony, so i just say let me try if the company can help out of my financial problem, Mr. John Harrison mail me and he said i should fill the form that was send to me that will enable them proceed on the loan immediately and i did and i follow all the process with they give me , so to my greatest surprise the loan was transfer to my bank account not less than 24 hour. I don’t know the kind of financial problem that you are having or you are have a dream of having your own house. this is the company that can make your dream come true email them today at (   john.harrison071@lenderdesk.info   ) and you will be happy as i am today


Thanks


Biancaloans
Biancaloans

Do you have a low credit score and you are finding it hard to obtain capital loan from local banks/other financial institutes? Do you need a loan or funding for any reason such as : 


a) Personal Loan, Business Expansion , 

b) Business Start-up ,Education, 

c) Debt Consolidation , 

d) Hard Money Loans 


We offer loan R$2,000 upto $100,000,000 at low interest rate of 3% and with no credit check ,we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or "loans for any reason!". 


However, Our method, offers you the chance to state the amount of loan needed and also the duration you can afford , This gives you a real chance to get the funds you need! Any interested Applicants should get back to me on email: biancamenzer2@gmail.com 


E-mail: biancamenzer2@gmail.com


Bianca Financial Service are here to help you out for your Consolidation loans and financial distress today. Email fast and get approved within 2 to 24 hours.

LinPoh
LinPoh

Dear Investors/Financial Seekers.


We are a Registered Private Investors/Loan Lender! Do you need FINANCIAL ASSISTANCE? Are you in financial mess OR debts? We offer loan at 3% interest rate within 1 year to 30 years repayment duration period to Individual and Companies that are in need of financial assistance and to any part of the world.


We give out loans ranging from $5,000.00 to $500,000,000.00, CURRENCIES: USD, CAD, KWD, OMR, SGD, RUB, GBP, AUD, MYR, ZAR, IDR, UAH, PHP, EURO.



Our loans are well insured for maximum security is our priority, Are you losing sleep at night worrying how to get a legit loan lender? Are you in poverty? Do you need financial assistance to set-up a business? We can assist you financially. We'll help you get over those financial obstacles.



Interested Individual OR Companies should contact us via:


Email:{linpohloanfirm@yahoo.com.sg}


Regards,


Lin Poh Loan Firm Team.

marsha
marsha



I'm Marsha Goodman, and I'm a Mortgage Loan Officer committed to
helping all of my clients fully explore their home loan options and
feel confident about their choices. In my 35 years of experience
working with third party affordable housing assistance programs,
conventional conforming and "jumbo loans", government loans, home
equity lines of credit and investment property loans and more, I've
been able to share my knowledge of the mortgage industry and
especially the Peartrees City market. My website offers resources and
calculators for your convenience, and I’m available to assist you at
any point along the way toward meeting your
home loan goals.Email Us:fasterloanservice@gmail.com

drcliffecarloswu
drcliffecarloswu

Hello, My People i am Mrs. Sandra D. Bents from Canada, God has bless me with two kids and a loving husband, I promise to share this 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 church after the service I share idea with a friend and she introduce me to Lee Chang Loan Company she said she was given 50,000USD by Mr.Lee Chang , so I collected his email Address: leechangloancompany.ch@gmail.com ,he told me the roles and regulation and I followed, then after processing of the Documents, he gave me my loan of 30,000POUNDS.

drcliffecarloswu
drcliffecarloswu


My name is Thomas Burce, from United State ; i am a single man with just one son. My wife divorces me when my little kid  was still 4years old. And ever since then things has not been easy for me and my little boy. Even to pay my bills is a big problem for me, I continued praying to the lord of heaven to send down my divine helper for me one day, who can be able to remove shame and frustration away from my life. Until one day i came across one woman, Rev. Mrs. Judith Castle on THIS SITE who share a testimony about one Mr. Lee Chang him a loan of $50,000USD with just 3%. So i decide to try my faith because i have been scammed 1 times. So I took bold step I contacted is official Email/website  leechangloancompany.ch@gmail.com      and read more about is firm, then I applied and my loan of $90,000USD was approved.

joni123
joni123

Hello My Dear,
i am Joni Dale from Los Angele’s in United State of America am testifying of a company that have human feeling and God fearing person, who i meet in yahoo answer in not less than 48 hours ,i was looking for a private Loan company where i can get a loan of about 190,000us dollars .so i saw someone testifying for a company that give her a loan of about 80,000us dollars within 24 banking hours’ Then i contact the company because i don’t believe in testimony, so i just say let me try if the company can help out of my financial problem, Mr. John Harrison mail me and he said i should fill the form that was send to me that will enable them proceed on the loan immediately and i did and i follow all the process with they give me , so to my greatest surprise the loan was transfer to my bank account not less than 24 hour. I don’t know the kind of financial problem that you are having or you are have a dream of having your own house. this is the company that can make your dream come true email them today at (   john.harrison071@lenderdesk.info   ) and you will be happy as i am today

Thanks

markwilliamsfinanceagency
markwilliamsfinanceagency

Do you need a loan for any reason? Do you need a loan to start up a business? you can get afforable loan from us at 3% interest rate contact us via email: markwilliamsfinanceagency@gmail.com

vincentharry
vincentharry



HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM

EMAIL ADDRESS---holyapostlescatholicchurchloan@gmail.com

HEAD OFFICE-----47 Cumberland Street, London SW1V 4LY United Kingdom

**********************************************************************************


Welcome to HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM we are international Christian loan firm and Lenders that has offered Loans to various individual and firms in Europe, Asia, Africa and other parts of the world,Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? We offer all types of loan, please email us back with the amount and duration of the loan you require.


STAY BLESS

REV.FR. VINCENT HARRY

SIS ELIZABETH NICOLAS [ASST]

HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM

EMAIL ADDRESS---holyapostlescatholicchurchloan@gmail.com

HEAD OFFICE-----47 Cumberland Street, London SW1V 4LY United Kingdom

CarolinaBruce
CarolinaBruce


This is to inform you that we offer all types of Loan (Business, Personal, Consolidation, Car, Investment, etc) @ 3% annual rate. Do you need a loan and have been turned down by your bank due to bad credit? Do you have unpaid bills or in debt? Do you have dreams of setting up a business? Contact us for a loan today and put a stop to all your financial barriers.We are fast and reliable and honesty is our watch word.
 
 
 
MARCEL VOLZKE FINANCE  ( U.S)
marcelvolzke@aol.com