{"id":5780,"date":"2015-08-05T11:33:00","date_gmt":"2015-08-05T15:33:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-introduces-new-legislation-to-guarantee-affordable-options-for-repaying-student-loans\/"},"modified":"2023-07-24T11:09:56","modified_gmt":"2023-07-24T15:09:56","slug":"merkley-introduces-new-legislation-to-guarantee-affordable-options-for-repaying-student-loans","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-new-legislation-to-guarantee-affordable-options-for-repaying-student-loans\/","title":{"rendered":"Merkley presenta nueva legislaci\u00f3n para garantizar opciones asequibles para el pago de pr\u00e9stamos estudiantiles"},"content":{"rendered":"<p class=\"p1\">WASHINGTON, DC \u2013 Hoy, el Senador de Oreg\u00f3n, Jeff Merkley, present\u00f3 la Ley de Acceso a Opciones Financieras Justas para el Pago de Deudas (AFFORD, por sus siglas en ingl\u00e9s), una nueva legislaci\u00f3n que garantizar\u00eda que todos los estudiantes puedan pagar sus pr\u00e9stamos estudiantiles de manera asequible al ofrecer una opci\u00f3n de pago basada en los ingresos. a todos los estudiantes prestatarios.<\/p>\n<p class=\"p1\">Adem\u00e1s, present\u00f3 la Ley de Condonaci\u00f3n de Deuda de Pago Basado en los Ingresos, que garantizar\u00eda que los prestatarios no se vean afectados por una enorme factura de impuestos cuando completen el pago de sus pr\u00e9stamos basado en los ingresos.<\/p>\n<blockquote>\n<p class=\"p1\">\u201cComo el primero en mi familia en ir a la universidad, s\u00e9 cu\u00e1n desalentadora es la idea de asumir una deuda de decenas de miles de d\u00f3lares para los estudiantes de recursos modestos\u201d, dijo Merkley. \u201cSigo viviendo en el vecindario obrero en el que crec\u00ed, y escucho todo el tiempo a padres que temen que enviar a sus hijos a la universidad los deje atrapados entre grandes pagos de deudas y peque\u00f1os cheques de pago al graduarse. Necesitamos eliminar ese miedo de la ecuaci\u00f3n y asegurarnos de que todos los estudiantes puedan asistir a la universidad con la confianza de que podr\u00e1n pagar los pagos de sus pr\u00e9stamos estudiantiles\u201d.<\/p>\n<\/blockquote>\n<p class=\"p1\">A medida que el costo de la matr\u00edcula ha aumentado en todo Estados Unidos durante las \u00faltimas d\u00e9cadas, se ha vuelto imposible para la mayor\u00eda de los estudiantes asistir a la universidad sin pedir prestado. Sin embargo, como asistir a la universidad requiere endeudarse cada vez m\u00e1s, la perspectiva de asistir a la universidad se ha vuelto m\u00e1s desalentadora para los estudiantes de bajos ingresos, y muchos reci\u00e9n graduados est\u00e1n luchando para pagar sus pr\u00e9stamos estudiantiles bajo los planes de pago tradicionales. Menos j\u00f3venes graduados universitarios pueden hacer otras inversiones significativas, como comprar una casa o un autom\u00f3vil, <a href=\"http:\/\/www.businessinsider.com\/3-charts-explain-the-effect-of-student-loans-on-the-economy-2015-5\"><span class=\"s1\">creando un lastre para la econom\u00eda<\/span><\/a>.<\/p>\n<p class=\"p1\">Para solucionar este problema, la Ley de Acceso a Opciones Financieras Justas para el Pago de Deudas (AFFORD, por sus siglas en ingl\u00e9s) crear\u00eda una opci\u00f3n de pago universal basada en los ingresos que garantizar\u00eda a todos los estudiantes prestatarios la opci\u00f3n de mantener los pagos de sus pr\u00e9stamos en un porcentaje modesto y peque\u00f1o de sus ingresos. Todos los estudiantes pueden asistir a la universidad con plena confianza de que, independientemente de sus ingresos despu\u00e9s de graduarse, podr\u00e1n pagar el costo de pagar sus pr\u00e9stamos. &nbsp;<\/p>\n<p class=\"p1\">Seg\u00fan la Ley AFFORD, los estudiantes tendr\u00edan una opci\u00f3n simple entre dos opciones de pago cuando inician el pago.<\/p>\n<p class=\"p1\">Uno ser\u00eda el plan de pago fijo tradicional, en el que los prestatarios pagan la misma cantidad cada mes durante un per\u00edodo de tiempo determinado para pagar el saldo total y los intereses del pr\u00e9stamo.&nbsp;<\/p>\n<p class=\"p2\">El otro ser\u00eda un plan de pago basado en los ingresos modelado en el modelo actual de pago seg\u00fan sus ingresos (PAYE). Bajo el modelo PAYE, el prestatario pagar\u00eda 10% de su ingreso discrecional y se le perdonar\u00eda cualquier deuda restante despu\u00e9s de 20 a\u00f1os. La Ley de Condonaci\u00f3n de Deudas con Pago Basado en los Ingresos garantizar\u00eda que los estudiantes no paguen impuestos sobre las deudas que se condonen al final de este proceso.<\/p>\n<p class=\"p1\">A diferencia de las opciones actuales de pago basadas en los ingresos, que tienen criterios de elegibilidad confusos y de los cuales los prestatarios a menudo no son informados hasta despu\u00e9s de que entran en incumplimiento, esta opci\u00f3n de pago basada en los ingresos estar\u00eda disponible por adelantado para todos los prestatarios. Adem\u00e1s, la Ley AFFORD reemplazar\u00eda la actual variedad confusa de planes de pago basados en los ingresos (IBR) que tienen diferentes criterios de elegibilidad con este \u00fanico plan simplificado de IBR.<\/p>\n<p class=\"p1\">Tanto la opci\u00f3n de pago fijo tradicional como la opci\u00f3n de pago basada en los ingresos se incluir\u00edan en el asesoramiento de pr\u00e9stamos de ingreso requerido por el Departamento de Educaci\u00f3n para educar a los prestatarios sobre el pago cuando comiencen la escuela. Adem\u00e1s, las escuelas enviar\u00edan a los estudiantes una carta cada a\u00f1o inform\u00e1ndoles sobre el asesoramiento sobre pr\u00e9stamos disponible.&nbsp;<\/p>\n<p class=\"p1\">Para obtener m\u00e1s informaci\u00f3n sobre la Ley AFFORD, descargue un resumen detallado del proyecto de ley <a href=\"http:\/\/www.merkley.senate.gov\/es\/download\/afford-act\/\"><span class=\"s1\">aqu\u00ed<\/span><\/a>.&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>WASHINGTON, D.C. &ndash; Today, Oregon&rsquo;s Senator Jeff Merkley introduced the Access to Fair Financial Options for Repaying Debt (AFFORD) Act, new legislation that would guarantee all students are able to affordably pay off their student loans by making an income-based repayment option available to all student borrowers. Additionally, he introduced the Income-Based Repayment Debt Forgiveness [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[40],"class_list":["post-5780","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-education"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Merkley Introduces New Legislation to Guarantee Affordable Options for Repaying Student Loans - Merkley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-new-legislation-to-guarantee-affordable-options-for-repaying-student-loans\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley Introduces New Legislation to Guarantee Affordable Options for Repaying Student Loans - Merkley\" \/>\n<meta property=\"og:description\" content=\"WASHINGTON, D.C. &ndash; Today, Oregon&rsquo;s Senator Jeff Merkley introduced the Access to Fair Financial Options for Repaying Debt (AFFORD) Act, new legislation that would guarantee all students are able to affordably pay off their student loans by making an income-based repayment option available to all student borrowers. 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