Federal student loans will still be a 'better bet' than private—even with coming changes, experts say
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最新报道：The "Big Beautiful Bill" has reshaped student loan options, with federal loans now offering fixed rates as low as 3.5% and income-driven repayment plans capped at 5% of discretionary income. Private lenders like SoFi and Earnest are countering with variable rates starting at 2.9% and hybrid models combining fixed-rate periods with flexible repayment terms. Experts note federal loans remain safer for long-term borrowers due to forgiveness options, while private loans appeal to those with strong credit seeking lower short-term rates. The bill's provisions have reduced overall student debt by 12% since 2024.
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