Student Loan Di Amerika – Speaking of expensive UKT, is it a student loan solution? A student loan waiver or student loan forgiveness sign was placed at the Julian Dixon Library in California, United States, during the visit of US President Joe Biden on Wednesday (2/21/2024). – Bloomberg/Eric Thayer
Bisnis.com, Jakarta – Student loans or credit systems that allow students to receive money for education are considered a solution to overcome the increase in the single tuition fee (UKT), which has become a concern recently.
Student Loan Di Amerika
This was revealed by Edi Subkan, Supervisor of Education, Faculty of Education and Psychology, Semarang State University (Unnes).
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According to him, the student loan system has a negative effect on students and the country. He gave an example of a student loan application in the United States (US).
“Student loans have more downsides, and defaults have proven to be a burden on the state, including in the United States,” he said when contacted by Business on Saturday (25/5/2024). contact
According to him, students who take out student loans have a double burden of paying the loan and interest when they leave the university.
The reason is that, after graduation, they have to work immediately. In addition to paying the loan for study expenses, the graduate’s income should be divided into daily and monthly needs, especially for those who help other family members.
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“Students who participate in the student loan program, after graduation, the financial burden on them and their families is doubled and they immediately pay off their loans. The ability to improve the family’s financial situation is very little.”
According to business records, the government earlier this year approached the Institute of Education Fund Management (LPDP) Regulatory Board (DEWAS) to discuss specific student loans. This is the case for many students who need loan assistance, one of which is paying for college.
A few days ago, the commission
Minister of Education, Culture, Research and Technology (Mendicbudristek) Nadiam Makarim said that the program is currently under internal discussions. According to him, applying for student loans still requires a long discussion with the Ministry of Finance.
Mengenal Student Loan Atau Pembiayaan Pendidikan
“While this is currently being discussed internally, not enough details are being released, it is currently being discussed at the level of the student loan discussion and still requires a lengthy discussion with the Department of Finance. No decision or details yet.”
Get detailed information on Bisnis.com, designed in depth to help you manage your business. Please login to enjoy Premium Content articles. Meanwhile, here in Indonesia, many universities offer students to get loans to cover their tuition fees.
For example, in the United States, there are different loans designed to help students with different financial needs, these loans are usually subsidized, where the government provides the loan while the student is still in school.
Also, in an income-based approach, loan repayment begins only when the graduate’s income reaches a certain level. This gives financial security to graduates who need time to look for a job or start a low-paying job.
Apa Itu Student Loan?
In developing countries, the draft appears six months after students leave campus. As a loan, it must always be paid, um, it is difficult for people who work for the first time.
This service offers a faster application process, more flexible requirements and relatively quick funding, making it an attractive option for students looking for money to pay for UKT or other education costs.
They are usually short-term, which can cause financial problems for borrowers if they do not have a fixed income. The Indonesian loan service requires students to pay monthly while studying.
In one year According to the data of the Financial Services Agency (OJK) on June 11, 2024, the distribution of loans to the education sector reached 15.76 billion dollars in January 2024, and reached 7.73 billion IDR in April 2024.
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“This is only an option,” said Frederica Widiasari Dewi, OJK’s chief financial services supervisor, financial services, education and consumer protection.
As written on the website, it offers loans with payment terms from 6 to 24 months and monthly invoices. The platform fee is from 0 percent to 1.75 percent, which is paid monthly according to the borrower’s financial amount. And the license fee is 3 percent of the loan amount or a minimum of IDR 100,000 to be paid once.
(UGM), Faculty of Economics and Business, Gadjah Mada University (FEB UGM) has partnered with PT (Danacita) Integrated Economic Group with a Memorandum of Understanding dated June 24, 2022.
. Among them; Bandung Institute of Technology (ITB), Faculty of Dentistry, University of Pajajajaran (Unpad) and Faculty of Economics and Business (FEB), University of Gadjah Mada (UGM).
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The head of the school, Department of Financial Services of Economic Inclusion said: “Danasita’s financial interests are still subject to SEOJK regulations No. 19/SEOJK.06/2023 OJK regarding the implementation of joint financial services based on information technology ( LPBBTI) and the Ministry of Communications (OJK) mentioned Aman Santosa
He said he was “with” Indonesian students through a scholarship program. A total of 27,440 beneficiaries, through 148 training partners, allocated a total of IDR 375.9 billion in training funds.
Ubaid Mataraji, national coordinator of the Indonesian Education Monitoring Network (JPI), said, “Those who cannot afford to study clearly have the right to receive assistance from the government.”
But what happened did not help. He said they have created a credit gap where students are stuck in debt and unable to pay.
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This has the potential to put students in debt. When students don’t pay their debts, it can lead to bullying, which is the art of hate. The reason is that President Jokowi once mentioned the case in Indonesia that he should implement the same system. The goal is, of course, higher education that everyone can benefit from without discrimination.
This means that you will borrow. In the future, when you graduate from college, you will have to repay the money you borrowed for educational expenses.
The first country to implement student loans for its students was the University of Bologna in Italy in the 11th century. Then the University of Paris, Oxford and Cambridge.
Meanwhile, student loans were first introduced in America by Harvard University. It wasn’t until 1958 that student loans were introduced under the National Defense Education Act.
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With this payment plan, students pay off their student loans based on the original agreement. TRBL student loans are not guaranteed if graduate students experience hardship.
Failure to pay will damage graduate credit and limit access to loan funds. This type of student loan has the highest default rate in the United States.
If you get this type of loan for low-income or disabled graduates, there is no guarantee. ICL guarantees borrowers in case of payment problems.
People have many reasons for taking out cheap student loans for higher education. So what are the benefits of taking out a student loan?
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This is an explanation from Nela Richardson (Chief HRD Management Economist at ADP Corporation) about student loans.
The younger generation is studying with student loans, the world of work is not doing well after the pandemic.
Not to mention the global recession. When they are lucky, they work hard to pay for their education. He does not enjoy the results of his work.
Student loan burdens are increasing, credit scores are decreasing, purchasing power is decreasing, and the younger generation is more or less burdened by the lack of active participation in the economy. They don’t understand economic growth.
Berkaca Pada Amerika Serikat Dan Orde Baru
Younger generations are also prevented from achieving financial independence due to student loans. It is impossible to create wealth because you have to pay off student loan debt. In this way, the young generation begins a difficult task.
So are US student loans suitable for use in Indonesia? Should you get a student loan if you move to Indonesia?
Of course, everything has pros and cons. However, it is important to remember that education should be easily accessible to everyone. Have you ever wondered if the cost of education was cheaper than that?
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A Professor of Psychology at Gadja Mada University collaborates with a research team to conduct a study on the social media activities of young people.
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