Student loans

Do you have student debt, but no diploma? Are you in default? Tell us: NPR

Borrower thinking about student loans.

More than 41 million people have outstanding federal student loans, totaling more than $1.5 trillion.

But not all borrowers have the same experience with their debt.

To begin with, more than a third of borrowers have an outstanding balance of $10,000 or less.

Second, about 20% of borrowers are in default – is when you have gone 270 days without payment. When this happens, the government may deduct your tax refund or part of your salary. When you get older, you can even lose some of your social security. More than one million loans are in default each year.

Finally, research shows that those hardest hit by student loan debt never finished school. The default rate of borrowers who have not completed their degree is three times higher than the rate of graduate borrowers.

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