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How Would Each Presidential Candidate Impact Your Student Loans

With this year’s presidential candidates trying to win their corresponding party’s nomination for the top seat in the nation, the matter of students loans has remained a hot topic on the campaign trail. This is because millennials, upcoming and present day students and fresh college graduates continue to support different candidates based on their plan in addressing the topic of unresolved student’s loans.

In an effort to woo students rally behind them, different presidential candidates have outlined their different detailed agenda that discusses what they will do regarding the student debt if they are elected. In as much as some of the presidential candidates, for instance, Ted Cruz, John Kasich and Donald Trump have admitted the fact that student’s loans have become a problem to many Americans, they have not come out clears with plans to address the prevailing situation.

It is worth noting that the subject of students loans is imperative to many citizens and politicians take it up in search for votes. A total of 40 million US population has been affected by the student loan debt. The total outstanding loans by students at the federal government is close to more than $876 billion, which is approximately 35% of the nation’s general consumer credit and the evasion rate on federal student loans presently stands at 14%.

Nearly all states in the US have inhabitants with student’s loans. Nevertheless, some states have a considerably high number of persons who owe the federal government due their student loans. Conferring to the statistics by the U.S Department of Education, merely three states have less than 100,000 inhabitants who have federally supported student’s loans: Wyoming, Utah and Alaska. More than 12 states are home to approximately a million residents who owe loans to the federal government.

Below are how different presidential candidates view the issue of students loans and how it will affect the future of students if they are elected.

Marco Rubio

Marco Rubio asserts that he has had a personal understanding of student debt, having cleared off $ 150,00 as part of his higher education loan. According to Rubio, part of his agenda is to decrease the intricacy of the federal financial aid application. He intends to substitute it with numerous tax enticements that are present for higher education with a modest tax provision.  He also intends to reform the accreditation structure to permit credits attained from non-traditional courses to be incorporated into the system so as to enable students and other citizens to graduate quickly with a decreased debt.

Furthermore, Rubio intends to incorporate Students Investment Plans, which will allow students apply for financing for their higher education from ratified investors in place of applying for student’s loans. The keystone of Rubio’s wide-ranging strategy is the creation of income based repayment program (IBR). This entails a system where students who borrow money to finance their higher education from the federal reserve will be spontaneously registered in IBR. This will be a widespread student loan reimbursement program that will allow citizens to reimburse their loans according to their wages.

In addition, Rubio in his recent bipartisan bill he recommended, he proposed that debtors will be allowed 10% of their received income towards their student loans. The highest quantity a borrower would be needed to reimburse in one tax year would be $ 10,000. The bill also suggested that approximately $ 57,500 in the student loans would be written off after a time limit of 30 years. This will enable people in default an opportunity to reestablish their credit worth.

Donald Trump

Conferring to an exclusive interview with TheHill.com, Donald Trump voiced his dissatisfaction with the federal government using student loans to make profits. He stated, “That’s the probably one of the things the government shouldn’t make money off.” Donald Trump went ahead and said it was appalling that student loans have turned out to be profit centers. According to Trump, many people are in college yes but have huge student loans.

In as much as Trump acknowledged the fact that several students in higher institutions of learning are astounded by student loans, he did not provide any plans on how he would address the critical matter. In reality, the only solution he offered in addressing the menace was that he would create more employment opportunities. Preferably, Trump considers creation of employment opportunities as an avenue to empower people to reimburse their loan debts in place of defaulting them or forbearance alternatives that are allowed by the Student Loan Forgiveness programs.

Hillary Clinton

According to the Medium.com article in August 2015, Clinton asserted that approximately 40% of students in the institutions of higher learning have not graduated six years down the line and many of them will never do so. She goes went ahead and proposed some tough regulations on the institutions of higher learning that allow students drop out every time and do not account for the increasing school drop outs. This implies that Clinton’s plan is to see that many students complete their education and graduate.

According to her New College Compact, she asserts that institutions of higher learning ought to make their education cost friendly. This she said calls for the need of the state to invest in higher education within the US. According to Clinton's agenda, no student will need to borrow or pay tuition in public schools. In connection with Presidents Obama's example, the compact is also aimed at offering free tuition to community colleges.

Her agenda also provides that the existing student loan debtors need to refinance their loans at lesser interest rates. Her plans also intend to stop the federal government from making money from student loans in the days ahead.

Despite each presidential candidate’s plan, it is imperative that getting higher education in the United States is significant for one to get a decent employment opportunity. However, the increasing student debt as indicated initially is also becoming a bigger issue. It will be fascinating to see where the political players take the matter and what will be done in resolving the stalemate.