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学生贷款再融资不再是梦想
学生贷款再融资不再是梦想
Student loan refinancing to become a “no-brainer”
译者：顾澄 原文来源：
BANKLESS TIMES
原作：Aryea Aranoff
据估计，美国有1.2万亿运转良好的学生贷款，现在，对于借款学生来说，如何避免让过度贷款和利率将自己拖入债务深渊已经是过去式的问题了。
学生贷款再融资快速兴起，有效减缓了陷入学生贷款带来的债务危机的人数增长。根据我们观察，最近几年市场对提供学生贷款再融资公司的需求不断增长，借款人对其优势的了解也更加深入。
随着一些行业内竞争者成功盈利而另一些惨淡收场，我们可以认为该行业正在收缩。但是留下的都是精通该领域知识的专业化团队，他们能提供更好的利率和更优秀的技术，这将带给借款人更好的体验。事实上，我们列出了2016年市场发展的关键点：
借款人将一直选择固定利率。
许多人认为最近联邦利率将会不断上调。随着未来的远期利率不稳定性逐渐增加，选择可变利率的风险已经太高了，因此，选择在利率上下赌注的借款人比率将会减少，更多借款人将会选择固定利率的学生贷款再融资以避免利率浮动。
对债务的讨论将不再是禁忌。
背负学生贷款毕业将会成为常态，因此，讨论债务将不再是一个禁忌。这使借款人在和私人放款人接触时不再犹豫，学校也会进一步促进学生贷款再融资的发展。许多大学和学院目前已经将开始将再融资作为他们退出计划的一部分，随着我们进入2016年，这将会成为一个更受欢迎的趋势。再融资的好处显而易见，并且它会迅速成为退出计划的标准组成部分之一。
学生贷款宽恕程序将不再那么宽容。
我们可能会看到学生贷款宽恕计划在未来几年内的发生改变，它将变得不再那么宽容。之前，收入并不影响一个人的资格，但是联邦政府似乎在考虑实施更加严格的要求。无论是否在公共部门工作，拥有高收入的借款人将不再“需要”贷款宽恕程序。如果该设想实现，再融资将成为这些贷款人的可选项，帮助他们减缓一时的负债压力。
供应商将充分利用前沿科技的优势，并站在贷款领域前沿。
在接下来的日子里，科技不断进步以简化申请程序和服务过程，让贷款申请更加迅速并减少贷款者的痛苦。在线贷款在近几年内一直高速发展，并且这一势头将会继续。我们发现公司已经开始为在美国念书的国际借款人提供贷款。这是借贷领域的前沿地带，因为一旦借款人返回自己的国家，将会引发一系列问题。但是该业务的可能性是诱人的，出款人将在不久的将来破解这一难题。
总而言之，学生贷款再融资领域将会随着新技术的出现变得更加专业化，并且在2016年飞速发展。这些进展对于借款人来说是很好的机遇，同时再融资的优势也会不断扩大。
There is an estimated $1.2 trillion worth of outstanding student loan debt in the United States, but for certain borrowers, the problem of over-borrowing and letting interest rates sink students further into debt is becoming a thing of the past.
Student loan refinancing has quickly become a popular tool in slowing the ever-growing population of individuals buried in student loan debt. In recent years we’ve seen a rise in the need for student loan refinancing companies and the benefits have become more commonly known to borrowers.
We may see this industry begin to contract as some competitors succeed and others do not, but this will create a focused group of businesses that are well versed in this area of expertise and who offer better rates, better technology and an overall better experience for borrowers. In fact, we’ll see the market evolve in a number of key ways in 2016 and beyond:
Borrowers will overwhelmingly choose fixed rates.
Many believe the recent interest rate increase from the Federal Reserve wasn’t the last. In light of potential interest rate instability looming in our future, the risk of choosing a variable rate has become too high and borrowers are less willing to gamble with their interest rates. More and more borrowers will choose fixed interest rates for their student loan refinancings to avoid any fluctuations.
The taboo of talking about your debt will dissipate.
Graduating with student loan debt is becoming the norm, and as a result, talking about debt is becoming less taboo among the general population. Moving forward borrowers will speak to private lenders with less hesitancy and schools will promote of the idea of refinancing. Many colleges and university currently offer refinancing as part of their exit programs and this is a trend that will continue and become more popular as we enter 2016. The benefits of refinancing are clear and it is quickly becoming a standard component of exit programs.
Student loan forgiveness programs will become less forgiving.
We may see student loan forgiveness programs evolve in the coming year or years, potentially becoming less inclusive. Where formerly, income may not have affected a person’s eligibility, it seems likely that the federal government will consider imposing more rigid requirements. Borrowers with exceptionally high incomes may be deemed not to “need” loan forgiveness, regardless of whether they work in the public sector. If that happens, refinancing through private lenders will still be an option for those borrowers, helping to alleviate their debt burden over time.
Providers will exploit technology benefits and new lending frontiers.
Technology will continue to improve in the coming months and years as new solutions are created to simplify the application and servicing processes, to make them fast and painless for borrowers. Online lending has already gained a lot of speed this year and that momentum will continue. We may see companies begin to offer loans to international borrowers educated in the U.S. This is a new frontier for lenders as there are complications related to payback if borrowers return to their home countries, but the business possibilities are enticing and it seems likely that lenders will begin to crack this code in the near future.
Overall, the student loan refinancing industry will grow impressively in 2016 with the emergence of new technology and focus areas. These new advances will lead to great opportunities for borrowers and the benefits of refinancing will do nothing but improve.
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积分：2595&&
您好，就是把抵押物重新评估以后再贷款，如果价值低估，就可以获得多一部分的贷款。不过这是银监会明文规定禁止的。祝您投资顺利！
回答时间： 10:49
<b class="vote-num" id="vote_num_
国泰君安，为每一个明天打算。咨询热线：.
城市：南宁&&
积分：5988&&
您好，就是您贷了第一笔款项后，然后根据您的抵押物情况，如果高于评估的价值，还可再贷款。
回答时间： 10:32
<b class="vote-num" id="vote_num_
股票 基金 融资融券 微融资 期货咨询、开户,联系，QQ.合规最低佣金
城市：长沙&&
积分：117&&
这就是很高的杠杆了，欢迎来华泰证券咨询相关问题
回答时间： 09:45
<b class="vote-num" id="vote_num_
城市：南宁&&
积分：2521&&
您好，就是把抵押物重新评估以后再贷款，如果重新评估后价值比以前高，就可以获得多一部分的贷款。
回答时间： 10:33
<b class="vote-num" id="vote_num_
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