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"Finances After College"

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Finances After College | How to College | Crash Course

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"COVID-19 Adds to Economic Hardship of Those Most Likely to Have Student Loans"

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Since 2017, federal student loans have increased an additional $190 billion, totaling $1.57 trillion in 2020. The onset of the COVID-19 pandemic has piled on additional layers of economic challenges on top of existing loan burdens.

Responses to the Census Bureau's experimental Household Pulse Survey highlight how some groups for whom student debt may present particular challenges have also been hardest hit by the pandemic.

For example, those with some college but no degree were more likely to have experienced a loss of employment income within their household since the start of the pandemic. They were also more likely to report having a somewhat or very difficult time paying their usual expenses in the prior week than those with at least a bachelor's degree.

In an effort to reduce the burden of student debt during the pandemic, the government has frozen payments for federal student loans and interest rates have been set to zero.

However, these policies are only temporary. Even with high national unemployment and without a current need to pay down this debt, recent stimulus money has been used to reduce debt burden.

Although the stimulus payments received in January were not more than $600 per person, more than three quarters of the people who received them spent them immediately and about half reported spending it to pay down credit card, student loan or other debt.

The populations most likely to carry student debt were even more likely to use the January stimulus payment to pay down debt.

For example, women were more likely than men to use the stimulus to narrow debt. Similarly, more than 60% of both non-Hispanic Black respondents and Hispanic respondents also used that money to shrink debt compared to less than 50% of non-Hispanic White respondents.

These results suggest that despite the freeze on payments student loan debt is still a heavy burden for many households during the pandemic.

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survey of income and program participation (sipp)

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COVID-19 Adds to Economic Hardship of Those Most Likely to Have Student Loans

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Since 2017, federal student loans have increased an additional $190 billion, totaling $1.57 trillion in 2020. The onset of the COVID-19 pandemic has piled on additional layers of economic challenges on top of existing loan burdens.

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"They Have Debt But No Degree. Could Loan Forgiveness Send Them Back to School?"

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"Racial Capitalism and the Black Student Loan Debt Crisis"

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