"Student loans are by far the most regretful thing I have ever done.""I have children. $200 every month is critical."
You've probably been told that now is a good time to refinance your loans — but that only works if you have a great credit score and steady income. Senator Joe Biden's plan would eliminate payments for those earning less than $25,000 a year, cap payments at 5% of discretionary income for everyone else, and forgive remaining balances after 20 years.
This mountain of student debt isn't just delaying major financial milestones. It's affecting the ability of debt holders to save at all.
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