{"id":117,"date":"2022-09-01T09:31:33","date_gmt":"2022-09-01T07:31:33","guid":{"rendered":"https:\/\/oxfordwisefinance.com\/blog\/?p=117"},"modified":"2024-11-25T05:08:35","modified_gmt":"2024-11-25T04:08:35","slug":"pros-and-cons-of-paying-off-trainee-loans-early","status":"publish","type":"post","link":"https:\/\/oxfordwisefinance.com\/blog\/pros-and-cons-of-paying-off-trainee-loans-early\/","title":{"rendered":"Pros and Cons of Paying Off Student Loans Early"},"content":{"rendered":"

If you\u2019re one of the millions of people with education debt, paying off student loans in full is likely a top priority. However, paying off student loans early isn\u2019t always the best financial decision, especially if you have other forms of debt with high-interest rates. Before making extra payments toward your loans, consider the benefits and drawbacks of accelerating your payoff date.\u00a0<\/span><\/p>\n

Should You Pay Off Your Student Loans Early? Pros and Cons<\/span><\/h2>\n

If you\u2019re considering paying off your loans<\/a> ahead of schedule, weigh the pros and cons to decide if it\u2019s the right move for you.<\/span><\/p>\n

\"\"<\/p>\n

Pro: You Can Save a Lot of Money<\/span><\/h3>\n

If you make extra payments toward your debt, you can become debt-free sooner and save thousands of dollars. You don\u2019t need hundreds of extra cash<\/a> to make an impact; even small amounts can help you cut down interest charges.<\/span><\/p>\n

For example, let\u2019s say you had $25,000 in student loan<\/a> debt at 5% interest and a 10-year repayment term. Your minimum payment is $265 per month, but you could save a substantial amount of money if you increase your payments. Here\u2019s how much you\u2019d save \u2014 and how much sooner you\u2019d get rid of your debt \u2014 if you increase your monthly payments by $10, $25, or $50 per month.\u00a0\u00a0<\/span><\/p>\n\n\n\n\n\n\n\n
<\/td>\nMinimum Payment<\/b><\/td>\nMinimum Payment + $10<\/b><\/td>\nMinimum Payment + <\/a><\/b><\/td>\nMinimum Payment +50<\/b><\/td>\n<\/tr>\n
Payment Amount<\/b><\/td>\n$265<\/span><\/td>\n$275<\/span><\/td>\n$290<\/span><\/td>\n$315<\/span><\/td>\n<\/tr>\n
Time To Repay<\/a><\/b><\/td>\n120 months<\/span><\/td>\n115 months<\/span><\/td>\n108<\/span><\/td>\n97 months<\/span><\/td>\n<\/tr>\n
Total Repaid<\/b><\/td>\n$31,827<\/span><\/td>\n$31,488<\/span><\/td>\n$31,039<\/span><\/td>\n$30,418<\/span><\/td>\n<\/tr>\n
Total Savings<\/b><\/td>\nX<\/td>\n$339<\/span><\/td>\n$788<\/span><\/td>\n$1,409<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Pro: You Can Pursue Other Goals<\/span><\/h3>\n

Your student loans can hold you back from pursuing other goals, like relocating to another state or starting your own business.\u00a0<\/span><\/p>\n

According to the <\/span>Ewing Marion Kauffman Foundation<\/span>, a survey of those with plans to start a business \u2014 or already started one \u2014 found that nearly half of respondents reported that their student loans<\/a> affected their plans to launch a business.\u00a0<\/span><\/p>\n

When you don\u2019t have student loan payments to worry about, you have more freedom to go after your goals.\u00a0<\/span><\/p>\n

Pro: You Can Lower Financial Stress<\/span><\/h3>\n

Student loans can be a significant financial stressor, leading to increased anxiety and depression. Paying off your student loans early<\/a> can eliminate that stress, improving your mental well-being.\u00a0<\/span><\/p>\n

Con: You May Rack Up Debt With Higher Interest Rates<\/span><\/h3>\n

Compared to other forms of debt, student loans can have relatively low-interest rates. For example, the average annual percentage rate (APR) for credit cards is 16.65%, and the average APR for personal loans<\/a> is 8.73%.<\/span><\/p>\n

If you\u2019re focused on paying off your student loans early and only pay the minimums on your other forms of debt, you could end up paying more overall in interest charges. In general, it makes sense to make extra payments toward your debt with the highest interest rate first.\u00a0<\/span><\/p>\n

Tip: If your student loans have high-interest rates<\/a>, you may save money and pay off your debt faster with <\/i>student<\/i><\/b> loan refinancing<\/i><\/b><i><\/a><\/b>. Creditworthy borrowers may qualify for a lower rate by refinancing their debt, helping them save thousands.\u00a0<\/i><\/b><\/p>\n

Con: You\u2019ll Lose Out on the Student Loan Interest Tax Deduction<\/span><\/h3>\n

When you make payments toward student loans, you can claim the student loan interest tax deduction when you file your tax return \u2014 as long as your income<\/a> is within the deduction\u2019s limits. You can deduct up to <\/span>$2,500 or however much you paid in interest<\/span>, whichever is less.\u00a0<\/span><\/p>\n

It\u2019s an above-the-line deduction, so you can claim it even if you don\u2019t itemize your deductions. But if you pay off your loans, you aren\u2019t eligible for the student loan deduction anymore.\u00a0<\/span><\/p>\n

Of course, a deduction isn\u2019t worth keeping your student loans active. But if you have other forms of debt that aren\u2019t eligible for deductions \u2014 such as credit card balances \u2014 targeting that debt likely makes sense before student loans<\/a>.\u00a0<\/span><\/p>\n

Con: You May Be Short On Cash<\/span><\/h3>\n

If you\u2019re focused on paying off student loans in full as soon as you can, you may lose sight of other financial priorities. Allocating all of your extra cash toward your debt can cause you to fall behind in saving for retirement or building an emergency fund, so it\u2019s important to find a balance between paying off student loans<\/a> early and pursuing other financial goals.\u00a0<\/span><\/p>\n

Deciding How to Handle Your Loans<\/span><\/h2>\n

If your student loans have been a significant cause of stress in your life, you likely think paying them off in full as quickly as possible is the best course of action. While paying down debt is good, aggressively targeting your student loans may not be the best approach in every situation.\u00a0<\/span><\/p>\n

Before making extra payments or paying off your student loans early, consider your overall financial situation. Ideally, you\u2019d be on target for your retirement savings and have an emergency fund before accelerating your student loan<\/a> repayment, and you may want to pay off other, more expensive debt first.\u00a0<\/span><\/p>\n

If you\u2019re in a good position and are ready to get rid of your loans<\/a> once and for all, you can use these <\/span>ten tips for paying off your student loans faster<\/span> to jumpstart your repayment.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

If you\u2019re one of the millions of people with education debt, paying […]<\/p>\n","protected":false},"author":1,"featured_media":120,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","pagelayer_contact_templates":[],"_pagelayer_content":"","iawp_total_views":2,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[142,148],"tags":[],"class_list":["post-117","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-business","category-student-loans","col-md-12"],"yoast_head":"\nPros and Cons of Paying Off Student Loans Early - Blog - Oxford Wise Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oxfordwisefinance.com\/blog\/pros-and-cons-of-paying-off-trainee-loans-early\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pros and Cons of Paying Off Student Loans Early - 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