据估计,现在三分之二的毕业生离校时都背负着助学贷款,平均负债额大约是27,000美元。债务是一笔负担,为了偿还一部分债务,节衣缩食几年是值得的,甚至是延迟毕业时间。这可以减少你在利息上的支出,为你以后二十多年偿还债务提供了很大的灵活性。
Consider $20,000 in 10-year federal loans at 6.8% interest. The total monthly payments would be $230, and total interest would add up to about $7,600 over the loans' life. Paying just $20 a month extra will shorten the repayment period to nine years and save you $900 in interest over the life of the loans. Paying a total of $400 a month—what a car payment might be—will pay off the loans in five years and save more than $4,000 in interest.
试想一笔20000美元的贷款,为期10年,利率是6.8%。每月总共要支付230美元,那么在整个贷款期限里总利息会累积到7600美元左右。每月多支付20美元将会把偿还期限缩短到9年,在整个还贷期限里你节省900美元。每月支付400美元(可能是偿还汽车贷款的数目),在5年时间里就能还清,节省超过4000美元的利息。
How do you balance all these needs? Stretch your dollars by buying a cheap used car instead of new one. Get a roommate and take your lunch to work. Before committing too much to debt payments, be sure to have at least $1,000 in savings for emergencies—or three months of expenses in the bank if you never want to move home again. If your employer offers a match for a retirement-plan contribution, contribute enough to get at least some of that so you don't pass up free money.
【华尔街日报致毕业生:给应届大学毕业生的理财建议】相关文章:
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