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Student loans in the United States are a form of financial aid intended to help students access higher education. In 2018, 70 percent of higher education graduates had used loans to cover some or all of their expenses. With notable exceptions, student loans must be repaid, in contrast to other forms of financial aid such as scholarships, which are not repaid, and grants, which rarely have to be repaid. Student loans may be discharged through bankruptcy, but this is difficult.

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  • Student loans in the United States (en)
  • Studielån i USA (sv)
  • 美國學生貸款 (zh)
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  • Student loans in the United States are a form of financial aid intended to help students access higher education. In 2018, 70 percent of higher education graduates had used loans to cover some or all of their expenses. With notable exceptions, student loans must be repaid, in contrast to other forms of financial aid such as scholarships, which are not repaid, and grants, which rarely have to be repaid. Student loans may be discharged through bankruptcy, but this is difficult. (en)
  • Studielån i USA är räntebelastade lån avsedda för finansiering av högre studier för landets medborgare. Till skillnad från många länder i Europa och andra utvecklade delar av världen är inte högre utbildning skattefinansierad i USA i lika hög utsträckning. Istället finansierar lärosätena sig själva i hög utsträckning genom studieavgifter som tas ut av studenterna. Som en följd av detta har studenter i normalfallet höga lån då de tar sina examen. Det finns två grupper av studielån i USA, dels federala lån som ges av regeringen och dels privata lån. Studenter tar alltid federala lån i första hand, eftersom de är billigare, men i mån av behov kompletteras med privata lån. I maj 2012 nådde studielånen för första gången över en biljon dollar (tusen miljarder dollar). Medellånet beräknas till 25 (sv)
  • 美國的學生貸款是一種財政援助,與其他形式的財政援助(如獎學金和助學金)不同,必須償還。學生貸款在美國高等教育中發揮非常大的作用。每年約有2000萬美國人就讀大學,當中約六成(即1200萬)每年借款以幫補開支。在大多數其他發達國家,高等教育是免費提供的服務,並由一般稅收資助。但在美國,大部分學生或其家庭自行支付高等教育費用。因此,畢業通常是學生高債務水平一個有力的未來期望預測。雖然投資在不同學校所得的回報的差異經常被誇大,但不論對於個人還是社會,高等教育仍然是一項很好的投資。學生貸款在美國有多種來源,但基本上分成聯邦貸款和私人學生貸款,大致包括國家附屬的非營利組織和機構貸款由學校提供。 聯邦政府借予學生父母的貸款:限制高得多,但貸款立即開始。 借予學生或家長的私人學生貸款:較高的限制,和雖然利息立即開始累積計算但直到畢業後才需要還款(給予款項)的优待。私人貸款可用於任何教育相關費用,如學費、食宿開支、書籍、電腦和逾期結餘。當聯邦貸款、津貼、或其他形式的財政援助不足以支付所有費用,學生可申請私人貸款補貼開支。 (zh)
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  • http://commons.wikimedia.org/wiki/Special:FilePath/Debt_in_the_United_States.jpg
  • http://commons.wikimedia.org/wiki/Special:FilePath/Student_loan_debt.png
  • http://commons.wikimedia.org/wiki/Special:FilePath/U.S._Student_Loan_Debt_Distribution_Q4_2012.png
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