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国会如何放松对低息学生贷款的管制
《州级教育贷款意识法案》将帮助学生获得负担得起的非联邦贷款，为高价值的研究生教育提供资金。国会如何放松对低息学生贷款的管制一文首先出现在美国企业研究所 - AEI 上。
来源:美国进取研究所信息针对新生研究生的联邦贷款限额将于今年秋季实施，至少一所大学已做好准备。 The University of Kansas (KU) law school launched a program that will lend to students who want to borrow above the new $50,000 federal loan limit taking effect this fall for incoming law students.它应该成为其他机构的典范——国会刚刚提出的一项新法案可以帮助它传播。
Under the Jayhawk Endowment Law Program for Students (J-HELPS), KU law students may borrow at a rate of just five percent—well below the current 8.94 percent rate on federal Grad PLUS loans, which are phasing out this year as the new loan limits take effect. Moreover, J-HELPS is funded by donations to the university via the KU Endowment, meaning that the school will bear the losses, rather than federal taxpayers, should students fail to repay their debts.
J-HELPS 正是大学在成本超过新贷款限额时应该创建的项目。 If universities believe that the value of their education is worth the price of tuition, they should prove it by helping students secure financing above the new federal loan limits—ideally with their own skin in the game.
并非每所大学都有足够的资源来资助自己的贷款计划。有些人可能需要与第三方贷方合作来提供初始资金。机构可以同意风险分担安排：如果学生不还款，学校而不是贷款人可能会首先承担损失。一些学校也可能向贷款机构付款以降低学生的利率。即使一个机构没有大量资源，它也可以在游戏中扮演一些角色，帮助学生获得学分。
然而，想要与第三方贷款机构建立这些安排的学校面临着障碍。