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Is front-end interest a education loan rip-off?

We would claim that the celebrity Tribune commentary on education loan financial obligation perfectly shows why courses on individual finance may not be a bad concept in senior school.

Bill Boegeman, a social studies instructor, had been amazed to learn just how small principal has been paid down after per year of having to pay their education loan.

Here’s the part that actually makes me personally angry: For one year, i've been making education loan re re payments of simply over $500 per month. This means that more than the program of a 12 months, we place of a $6,000 dent into my education loan financial obligation, or more I thought. On Oct. 17, 2015, per year to your time once I started paying down my loans, my total education loan financial obligation had been …

Than I owed a year ago— $700 out of the $6,000 I put in that actually went toward reducing my debt if you don’t have a calculator handy, that adds up to just under $700 less. That’s about 11 % of this total quantity compensated, simply sufficient to reduce my total financial obligation by very nearly one percent.

Where did one other 89 % ($5,300) get? Interest.

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