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svp
2 months ago
10

YASHARI earns $27,000 per year, is single, and lives in Wyoming. She has $7000 in subsidized loans and another $19,000 in unsubs

idized loans. She is trying to save up an emergency fund of at least 6 months’ take-home pay, so she’s torn about how much she should devote to her student loans and how much to the emergency fund every month.
Yashari’s monthly take-home pay is $1850. What percentage of her paycheck will go toward student loans if she chooses standard repayment? Does that payment amount seem reasonable? Why or why not?


Which plan has the longest repayment period? How long will Yashari be paying her student loans?


How do you think Yashari should prioritize between her emergency fund goal and her student loan payments?


Which repayment plan do you think Yashari should select? Why?
Business
1 answer:
marusya05 [3.7K]2 months ago
4 0

Answer:

a) 14.43%, la cantidad es justa

b) Pagar según vayas.

c) Yashari debería dar prioridad al pago de la cuota del préstamo antes de ahorrar para el fondo de emergencia.

d) Plan de reembolso estándar.

Explanation:

El ingreso mensual neto de Yashari es de $1850.

a) Determina el porcentaje de su salario que destina a los préstamos estudiantiles si opta por el reembolso estándar.

Tasa de interés = 4.30%, por lo que el porcentaje de su salario que se destina al préstamo estudiantil es del 14.43%.

El monto a reembolsar es $32035, lo cual también es razonable.

b) ¿Cuál plan tiene el periodo de reembolso más largo?

PAYE (pagar a medida que ganas) tiene el periodo de reembolso más largo.

c) ¿Cómo debería priorizar entre su objetivo de fondo de emergencia y los pagos del préstamo estudiantil?

Yashari debe dar prioridad al pago de la cuota del préstamo antes de ahorrar para el fondo de emergencia debido a las repercusiones que conlleva el incumplimiento de un préstamo.

d) Yashari debe elegir el plan de reembolso estándar ya que el total pagado usando este plan es menor.

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