当社の個人情報保護方針&クッキーポリシー
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個人情報保護方針(January 19, 2019) Student loans in the United States represent the second largest type of household debt after home mortgages and were not only impervious to the 2009 recession, but are steadily rising along with total US household debt. As of the third quarter of 2018, student debt outstanding expanded by 2.6 percent, reaching a peak of $1.44 trillion, which is higher than total US auto loans and credit card debt.
Such rapid debt growth is traced in part to the nature of the benefits of student loan the payments. US federal student loan benefits include fixed interest rates, income-driven repayment plans, and the possibility to postpone or temporarily reduce payments. Student loans can be postponed, temporarily suspended, or reduced as a result of certain life circumstances, such as returning to school, being unemployed, military service, or economic hardship. In addition, undergraduate students who demonstrate financial need may qualify for subsidized loans.
Student loans help nearly two in every 10 American students get an education, the benefits of which cannot be quantified. The rapid growth of outstanding debt coupled with persistent difficulties paying it off, however, not only causes people to delay decisions about buying a house, getting married, and having children, but it also affects government budget sustainability, making this a concern for all Americans, debt carrying or not. Over 90 percent of all student debt is ensured by the US federal government, suggesting that the federal budget will suffer from the consequences of unemployment that contributes to default in addition to the large-scale student loan defaults.
Housing represents a growing source of budgetary pressure for Americans, and the data suggests American's desire for space is at least partially to blame. In 2017, housing represented 33 percent of total US household expenditures, with rent and mortgage—as compared to other household expenses like furnishings and utilities—making up about 60 percent of the household budget, according to the US Bureau of Labor Statistics. Renters have been particularly hard hit, with more than 40 percent spending 35 percent or more of their income on housing. While only about 20 percent of mortgage...
(13 March 2019) Consumer confidence in the world's biggest economy, the United States, rebounded in February after a sharp drop in January, according to the University of Michigan. January’s decrease was the single sharpest drop in consumer sentiment since 2012 and was at least partially spurred by the partial US government shutdown. In February, the Federal Reserve signaled that it will hold off on further interest rate hikes and trade relations with China continued to thaw, bolstering the rebound. The Fed monitors the Consumer Confidence Index to help guide policy adjustments....
The household debt balance in the United States reached a new all-time high of $13.3 trillion in the second quarter of 2018, according to the latest report from the Center for Microeconomic Data of the Federal Reserve Bank of New York. US household debt has risen continuously since 2013, now constituting 65 percent of US GDP and exceeding the 2008 pre-crisis level by nearly $475 billion. US household debt is indisputably large in absolute terms, now exceeding the GDP China, the world's second-largest economy. Yet, relative to the size of the US economy, household debt is less...
The net worth of US households tumbled 3.5 percent quarter-on-quarter during the fourth quarter of 2018, according to the US Federal Reserve. Only twice since 1952, once in 1962 and again in 2008, was a larger drop reported, and yet for most Americans it’s the proverbial tree falling in the woods: did anyone feel it? The slump in 4Q 2018 is attributable to the poor performance of the stock market in late 2018 and the corresponding hit to the value of household holdings of corporate equities. It's a familiar story. Historically, corporate equities have caused the most volatility...
当社のウェブサイトではクッキーを使用し、ユーザー様のオンライン体験を向上させております。このウェブサイトを立ち上げたときに、クッキーはお使いのコンピュータ上に配置されます。インターネットブラウザの設定を通して、個人的なクッキーの設定を変更できます。
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