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Student Loans: A Drag on the U.S. Housing Market

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Information about Student Loans: A Drag on the U.S. Housing Market
News & Politics

Published on February 21, 2014

Author: introspectivegradstudent

Source: slideshare.net

Description

New information reveals student loans have increased in both the number of borrowers and the amount being borrowed. As a result, analyst believe increased student loan repayments limit recent college graduates from pursuing home purchases.
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-That is the amount of outstanding student loan debt in the United States* -The Average Amount of Student Loan Debt Among 40 Million Borrowers* *Courtesy of MarketPlace.Org http://www.marketplace.org/topics/wealth-poverty/why-studentloans-affect-housing-market

*Courtesy of MarketPlace.Org http://www.marketplace.org/topics/wealth-poverty/why-studentloans-affect-housing-market http://ochousingnews.com/wpcontent/uploads/2014/01/student_loan_debt.png

*http://www.marketplace.org/topics/wealth-poverty/why-student-loans-affect-housing-market

Debt to Income Ration -Amount of Debt you owe divided (/) Gross Income (what you earn before taxes) -The higher your debt ratio, the less income you have available to spend (i.e. Mortgage Payment) http://www.advantageccs.org/understanding-what-debt-to-incomeratio-means

More Debt and Less Wages (earnings) -Together, recent college graduates are experiencing two factors that have emanating affects on the housing market and national economy http://www.foxbusiness.com/personal-finance/2013/01/02/if-its-risky-its-not-investment/ The more leveraged debt you owe, the less “desirable” you look to a bank or loan provider “What can you afford? What is your risk?” The riskier your profile, the higher your interest rate and the amount you would qualify to borrow

http://blog.estately.com/assets/broke-monopoly-july-27.jpg

More Reading and Resources Marketplace.org http://www.marketplace.org/topics/wealth-poverty/whystudent-loans-affect-housing-market New America Foundation: Student debt review http://inthetank.newamerica.net/blog/2014/02/studentdebt-review Consumer Financial Protection Bureau: Know before you borrow http://www.consumerfinance.gov/students/knowbeforey ouowe/

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