Kuv tseem nco qab lub caij ntoo thaum kuv tus ntxhais hlub, Maiv Lis, kawm tiav qib siab thiab rov qab los nrog peb nyob hauv tsev thaum nws nrhiav hauj lwm thawj zaug. Nws lub siab zoo siab heev thaum nws pom nws daim ntawv kawm ntawv, tab sis thaum cov daim ntawv them nyiaj qiv kawm ntawv tuaj txog, nws lub ntsej muag pob tshab thiab nws tsis xav tham txog kev noj hnoj hav. “Txiv, kuv yuav tsum ua li cas? Cov nuj nqis no yuav ua rau kuv tsis muaj peev nyob twj ywm,” nws hais nrog lub suab tsis tso siab. Nws zaj lus ntawd ua rau kuv xav txog kuv tus kheej thaum kuv yau – thaum kuv qiv nyiaj kawm tsev kawm qib siab thiab sim them rov qab thaum kuv tseem nyob hauv chav tsev me me hauv lub zos Hmoob loj ntawm Minnesota. Nuj nqis kawm ntawv tsis yog dab tsi tshiab rau peb tsev neeg Hmong; peb ntau tus tuaj yeem pom nws yog qhov kev txiag siv rau kev loj hlob, tab sis nws tuaj yeem ua rau lub neej nyuaj thiab tsaus ntuj nti yog tias koj tsis paub txoj kev hloov rov qab qab.
Hniaj no, kuv yuav qhia koj txog kev hloov rov qab qab nuj nqis kawm ntawv – ib yam dab tsi uas yuav pab koj them tsawg dua, khaws nyiaj ntau dua, thiab mus nrhiav kev ywj pheej hauv nyiaj txiag. Tsis yog qhov tsuas yog qhia txog cov lej xwb, tab sis kuv yuav siv cov lus piav ua piv txwv los nrog koj tham, nrog cov kev pab cuam tshiab thiab cov lus qhia los ntawm cov kws paub txog nyiaj txiag uas pab peb tsev neeg Hmong. Yog tias koj nyob li Maiv Lis, los yog koj tseem tab tom sim them nyiaj qiv qub, cia peb pib mus ua kev taug qab mus ua kev ywj pheej thiab kev siab ntsoov.
Yuav Hloov Rov Qab Qab Nuj Nqis Kawm Ntawv Yog Dab Tsi, Thiab Vim Li Cas Nws Muaj Nqis?
Hloov rov qab qab nuj nqis kawm ntawv yog ib txoj kev uas koj qiv nyiaj tshiab los them cov nuj nqis qub, feem ntau nrog tus nqi paj qis dua thiab cov cai ywj pheej dua. Piv txwv hais tias, yog tias koj muaj cov nuj nqis federal (cov nyiaj qiv los ntawm tsoom fwv), thiab koj xav tau tus nqi paj tsawg dua, koj yuav mus rau ib lub tuam ntxhab private los qiv nyiaj tshiab uas them cov qub thiab muab koj tus nqi them ib lub hlis tsawg dua. Nws zoo li hloov koj lub tsheb qub mus rau lub tshiab uas siv roj tsawg dua – koj tseem mus mus thiab los, tab sis koj khaws nyiaj thiab ua kom ywj pheej dua.
Los ntawm kuv tus phooj ywg, Txiv Plig, uas yog ib tug kws pab nyiaj txiag hauv lub koom haum Hmong ntawm California, nws tau qhia kuv hais tias, “Ntau tus Hmong tseem nyuaj them nyiaj qiv vim peb tsev neeg pheej pab cov kwv tij thiab muam, ua rau peb tsis muaj nyiaj khaws.” Txiv Plig tau pab nws tus ntxhais hloov rov qab qab nws cov nuj nqis thiab them tsawg dua 200 nyiaj ib hlis – nyiaj ntawd pab nws them tsev thiab khaws nyiaj rau yav tom ntej. Yog koj xav paub ntxiv txog cov peev txheej, koj tuaj yeem saib ntawm Federal Student Aid los nrhiav cov lus qhia txog nuj nqis federal.
Tab sis vim li cas nws muaj nqis? Hauv lub caij ntuj no, thaum cov nqi paj tseem tsawg, nws pab koj khaws ntau yam – piv txwv hais tias, koj yuav khaws tau ntau yam li 20,000 nyiaj hauv tag nrho lub sij hawm them nyiaj, raws li cov kev tshawb fawb los ntawm NerdWallet. Nws tseem pab koj pab cov tsev neeg, vim tias them tsawg dua yog koj muaj peb tug me nyuam thiab sim khaws nyiaj rau lawv kawm ntawv. Kuv tus kwv, Vwj, tau hloov rov qab qab nws cov nuj nqis thaum nws mus ua hauj lwm hauv lub tsev hosptial thiab tam sim no nws muaj nyiaj los pab nws niam them tsev – ib qho piv txwv me ntawm kev hlub hauv tsev neeg Hmong.
Koj Puas Tsim Nyoog Tau Hloov Rov Qab Qab? Cov Cai Thawj Thov
Ua ntej koj sim, nws tseem ceeb kom paub seb koj puas tsim nyoog. Cov tuam ntxhab feem ntau xav kom koj muaj credit score zoo (tsawg kawg 650), nyiaj them tsev khov khov (tsawg kawg 30,000 nyiaj ib xyoos), thiab tsis muaj nuj nqis ntau dhau koj cov nyiaj them. Piv txwv hais tias, yog tias koj nyuaj them nyiaj tam sim no, yuav zoo dua yog koj sim cov cai pab cuam federal ua ntej hloov mus rau private.
Los ntawm cov kev tshawb fawb hauv Hmong Times, ntau tus tub ntxhais Hmong uas kawm tiav tsev kawm qib siab thiab mus ua hauj lwm hauv kev kho mob los yog kev cai lij choj muaj peev xwm zoo kawm hais tias peb yuav tsum saib Consumer Financial Protection Bureau los nrhiav cov lus qhia txog credit score. Kuv tus ntxhais Maiv Lis pib nrog credit score 620 thiab nws tau siv sij hawm ob lub hlis khaws nyiaj thiab them cov nqi me me kom nws tus lej nce mus rau 680 – thaum ntawd nws tsim nyoog tau hloov rov qab qab. Yog tias koj tseem nyob hauv tsev kawm ntawv, koj yuav tsum tos kom kawm tiav ua ntej sim, vim cov tuam ntxhab feem ntau tsis qiv rau cov tub ntxhais tseem kawm.
Cov theem pib yog li no:
- Xam koj cov nuj nqis tam sim no: Siv National Student Loan Data System los saib koj muaj pes li cas.
- Taug qab credit report: Saib seb muaj dab tsi yuav tsum kho.
- Nrhiav cov peev txheej: Siv cov tsev credit union uas pab peb tsev neeg Hmong, zoo li cov hauv Hmong American Partnership.
Yog tias koj tsis tsim nyoog, tsis txhob poob siab – muaj cov cai pab cuam li income-driven repayment uas pab them raws li koj cov nyiaj them.
Cov Peem Zaws Hloov Rov Qab Qab: Federal Los Yog Private?
Cov nuj nqis kawm ntawv muaj ob hom loj: federal (los ntawm tsoom fwv) thiab private (los ntawm tuam ntxhab). Hloov rov qab qab federal mus rau private pab koj tau tus nqi paj qis, tab sis koj yuav poob cov cai pab cuam li forgiveness yog tias koj ua hauj lwm hauv tsev kawm ntawv los yog tsev kho mob. Piv txwv hais tias, yog tias koj xav mus pab kev pab cuam pej xeem, zoo dua yog koj nyob twj ywm nrog federal thiab sim Public Service Loan Forgiveness.
Los ntawm cov kws paub ntawm Bankrate, cov peem zaws ntawm federal yog nws cov cai ywj pheej, li deferment thaum koj poob hauj lwm. Tab sis private loans feem ntau muaj tus nqi paj tsawg thiab cov cai them ntev dua. Kuv tus phooj ywg Txiv Plig tau hais tias, “Rau peb Hmong, feem ntau yuav zoo dua yog hloov rov qab qab yog tias koj tsis xav siv forgiveness, vim peb feem ntau mus ua hauj lwm hauv kev lag luam thiab tsis muaj kev pab cuam pej xeem.”
Yog tias koj muaj private loans twb, hloov rov qab qab yog yooj yim – koj yuav mus nrhiav lub tuam ntxhab tshiab thiab them cov qub. Saib ntawm Credible los piv cov peev txheej.
Cov Tus Nqi Paj Thiab Them Nyiaj: Yuav Them Tau Li Cas?
Cov tus nqi paj tam sim no (xyoo 2025) yog tsawg kawg 4.74% APR rau cov credit zoo, raws li SoFi. Piv txwv hais tias, yog tias koj muaj 30,000 nyiaj nuj nqis nrog 7% paj thiab hloov mus rau 5% rau 10 xyoos, koj yuav them tsawg 150 nyiaj ib hlis thiab khaws ntau yam li 5,000 nyiaj tag nrho. Nws zoo li hloov koj lub rooj noj mov qub mus rau lub tshiab uas khaws sij hawm thiab nyiaj.
Kuv nco qab thaum kuv hloov rov qab qab kuv cov nuj nqis qub – kuv them ntev dua los ntawm 10 xyoos mus rau 15 xyoos kom them tsawg dua ib hlis, ua rau kuv muaj nyiaj los pab kuv tus ntxhais Maiv Lis pib nws lub neej. Yog tias koj xav piv, saib ntawm Earnest los siv lawv cov calculator.
Cov theem them nyiaj muaj ntau yam:
- Standard: Them tag nrho hauv 5-20 xyoos.
- Extended: Ntev dua kom them tsawg.
- Income-based: Raws li koj cov nyiaj them, tab sis tsuas yog rau federal.
Sib Piv Cov Lub Tuam Ntxhab Zoo Tshaj Plaws Rau Hloov Rov Qab Qab Nuj Nqis Kawm Ntawv
| Lub Tuam Ntxhab | Tus Nqi Paj Tsawg Kawg (APR) | Cov Cai Them Nyiaj | Cov Cai Tshwj Xeeb Rau Hmong | Qhov Zoo |
|---|---|---|---|---|
| SoFi | 4.74% | 5-15 xyoos | Kev pab cuam online yooj yim, tsis muaj fees | Khaws nyiaj ntau, autopay discount |
| Earnest | 4.96% | 5-20 xyoos | Flexible terms, pab cov credit me me | Siv rau cov tseem kawm tsev kawm ntawv |
| ELFI | 4.98% | 5-20 xyoos | Kev pab cuam ib leeg nrog advisor | Khaws trung bình 21,921 nyiaj |
| Credible | 5.25% | 5-20 xyoos | Piv ntau lub tuam ntxhab hauv ib qhov chaw | Tsis muaj impact rau credit thaum prequalify |
| LendKey | 5.49% | 5-20 xyoos | Siv credit unions, pab tsev neeg | Nyob ze thiab pab cov neeg nyuaj credit |
Cov lus piv no yog raws li cov kev tshawb fawb tshiab los ntawm U.S. News, thiab koj yuav tsum sim prequalify kom paub koj tus lej tiag.
Cov Txheej Txheem Hloov Rov Qab Qab: Ib Ruam Ib Ruam Taw
Pib los ntawm qhov yooj yim tshaj: Saib koj cov nuj nqis thiab credit. Tom qab ntawd, nrhiav cov tuam ntxhab thiab prequalify kom saib tus nqi paj tsis muaj impact rau credit. Yog tias koj nyiam, xa daim ntawv – nws yuav siv ob peb hnub kom pom zoo.
Kuv tus ntxhais Maiv Lis tau siv Credible los piv thiab pom nws tus nqi paj qis, tom qab ntawd nws xa daim ntawv rau Earnest thiab tau nyiaj tshiab hauv ib lub lim tiam. Saib lus qhia ntxiv ntawm StudentChoice.
Cov ruam:
- Saib cov nuj nqis: Siv NSLDS.
- Prequalify: Nrog 3-5 lub tuam ntxhab.
- Xa daim ntawv: Muab cov ntaub ntawv nyiaj them thiab ID.
- Pom zoo thiab them: Cov tuam ntxhab them cov qub.
- Peb them nyiaj tshiab: Siv autopay kom tau discount.
Cov Yam Yuav Tsum Pom Xav: Txeev Xim Thiab Kev Pab Cuam
Hloov rov qab qab muaj qhov zoo, tab sis kuj muaj qhov txiav txim. Yog tias koj hloov federal, koj poob forgiveness thiab income-driven plans. Piv txwv hais tias, yog tias koj mus pab lub koom haum Hmong thiab xav forgiveness, zoo dua yog koj nyob twj ywm federal. Raws li Wisconsin Watch, ntau tus tub ntxhais dub, suav nrog Hmong, poob cov cai no thiab tom qab ntawd nyuaj them.
Cov txeev xim sib txawv:
- Poob federal cai: Forgiveness, deferment.
- Nqi paj yuav nce: Yog tias economy hloov.
- Tus nqi them ntev: Koj them ntau paj tag nrho.
Tab sis cov kev pab cuam muaj, li forbearance hauv private loans. Saib FEMA los yog cov lus qhia txog kev khaws nyiaj thaum muaj kev txom nyem.
Cov Lus Qhia Ua Hauj Lwm: Yuav Ua Li Cas Kom Zoo Tshaj Plaws
Los ntawm cov kws paub, koj yuav tsum:
- Khaws nyiaj ua ntej: Muaj emergency fund rau 3 lub hlis.
- Sim forgiveness ua ntej: Yog tias koj ua hauj lwm pab pej xeem.
- Tham nrog kws paub: Siv Hmong Times los nrhiav cov lus qhia tshwj xeeb.
- Siv calculator: Saib seb koj khaws pes li cas.
Kuv tau pab kuv tus kwv Vwj sim nws cov nuj nqis thiab nws tam sim no them tag nrho sai dua – nws tau siv cov lus qhia no los khaws 10,000 nyiaj.
FAQ: Cov Lus Nug Ntau Tshaj Plaws Txog Hloov Rov Qab Qab Nuj Nqis Kawm Ntawv
Kuv puas tuaj yeem hloov rov qab qab cov nuj nqis federal mus rau private?
Yuav, tab sis koj yuav poob cov cai federal li forgiveness. Zoo dua yog koj xav tus nqi paj qis thiab tsis xav siv cov cai ntawd. Saib ntxiv ntawm Federal Student Aid.
Tus nqi paj yog pes li cas tam sim no?
Tsawg kawg 4.74% APR rau cov credit zoo, tab sis nws hloov raws li koj tus lej. Piv nrog SoFi kom paub koj tus lej.
Kuv yuav tsum siv sij hawm pes li cas kom pom zoo?
Ob peb hnub kom prequalify, thiab ob lub lim tiam kom nyiaj tuaj. Nws yooj yim online.
Yuav ua li cas yog tias kuv credit tsawg?
Sim cov tuam ntxhab li Earnest uas pab cov credit me me, los yog kho credit ua ntej. Saib CFPB.
Kuv puas tuaj yeem hloov rov qab qab ntau yam nuj nqis ua ib?
Yuav, nws pab koj them ib lub hlis xwb. Zoo li consolidation, tab sis nrog tus nqi paj tshiab.
Yuav ua li cas yog tias kuv poob hauj lwm tom qab hloov?
Private loans muaj forbearance, tab sis tsis zoo li federal. Muaj emergency fund ua ntej.
Cov nuj nqis parent PLUS puas hloov tau?
Yuav, nrog cov tuam ntxhab li ELFI uas pab parent loans. Saib ELFI.
Xaus: Kev Hloov Rov Qab Qab Yog Txoj Kev Mus Rau Kev Ywj Pheej Nyiaj Txiag
Thaum peb tham txog kev hloov rov qab qab nuj nqis kawm ntawv, nws tsis yog qhov tsuas yog txog cov lej thiab cov nqi paj – nws yog txog kev hloov koj lub neej, kom koj muaj peev xwm pab koj tsev neeg, khaws nyiaj rau yav tom ntej, thiab nyob twj ywm nrog kev siab ntsoov. Los ntawm zaj lus ntawm kuv tus ntxhais Maiv Lis thiab kuv tus phooj ywg Txiv Plig, peb pom tias nws yog ib qho kev txiag siv loj rau peb tsev neeg Hmong, uas feem ntau sim nrhiav kev vam meej hauv kev kawm ntawv thiab kev ua hauj lwm tshiab. Koj yuav tsum nco qab hais tias kev txiav txim no tsum yog raws li koj lub neej – yog tias koj xav forgiveness, nyob twj ywm federal; yog tias koj xav them sai, hloov rov qab qab mus rau private.
Tam sim no, cia koj pib nrog ib ruam me me: Saib koj cov nuj nqis thiab prequalify nrog ib lub tuam ntxhab. Tham nrog koj tsev neeg, nrhiav cov kws paub hauv koj lub zos, thiab xav txog lub neej koj xav nyob nyob li cas tom ntej. Kev hloov rov qab qab tsis yog kev zam txim tag nrho, tab sis nws yog ib qho kev pib mus rau kev ywj pheej – thiab koj muaj peev xwm ua tau. Yog tias koj muaj lus nug, cia tham ntxiv; peb yog tsev neeg, thiab peb pab ib leeg mus rau kev loj hlob.