Higher education aaj ke duniya mein aksar bohat mehnga hota hai. Jab college ke kharche barhte jate hain, to bohot saare students school ke liye student loans le lete hain. Ye loans students ko apne future mein invest karne ka mauka dete hain, lekin ye banks aur doosri financial companies ke liye jo loan deti hain, unke liye bohot risky ho sakte hain. Is article mein hum dekhenge ki kyun kafi banks student loans ko risky bets samajhti hain.
1. No backup plan
Backup Plan Ki Kami Security ki kami ek badi wajah hai jiske liye banks student loans ko risky bets samajhti hain. Alag taur par mortgages ya car loans ki tarah, zyadatar student loans unsecured hote hain, jiska matlab hai ki unke piche koi physical assets nahi hote jo agar borrower bhugatna band karde to unse liye ja sakte hain ya bech sakte hain. Kyunki security nahi hoti, isse banks ke liye paise wapas paana mushkil ho jata hai agar log apne loans wapas nahi dete.
2. Uncertain Ability to Pay Back
Wapas Dene Ki Anishchit Kshamata Log jo apni career ki shuruaat kar rahe hain ya job market mein abhi tak dakhil nahi hue hain, woh zyadatar student loans lete hain. Isliye, banks nahi jaante ki borrowers future mein kitna kamaenge ya kya woh apne loans wapas kar payenge. Agar ek client ka sthayi aamdani nahi hai, to unke liye loan ki payments ka palan karna mushkil ho sakta hai, jo bank ke liye risk ko badhata hai.
3. Long time to pay back
Loan Wapas Dene Ke Liye Lamba Samay Student loans ko wapas dene ke lamba samay bhi ek cheez hai jo unhe risky banata hai. Student loans aksar un loans se lamba samay tak wapas kiye jate hain jo doosre tarah ke loans, jaise personal loans ya credit card debt, se mukable mein. Isme das saal ya isse zyada samay lag sakta hai. Is lambi avdhi ke chalte, aisa ho sakta hai ki kuch achanak ho jaye, jaise ki naukri chali jaye ya economy down ho jaye, jo borrowers ke liye samay par payments karne mein mushkil bana sakta hai.
4. No credit history and no proof of income
Credit History Aur Aamdani Ka Koi Saboot Nahi Woh students jo school ke liye paise udhaar lena chahte hain, unke paas zyadatar kuch ya kuch bhi credit history nahi hoti. Paise ka dhyan rakhne ki history nahi hone ke bina, banks ko samajhna mushkil ho jata hai ki kya user creditworthy hai ya nahi. Sath hi, aamdani ko verify karna students ke liye mushkil ho sakta hai jo school mein rehte hue sthir ya bade source of income nahi rakhte hain. Yeh financial jaankari ki kami loans udhaar dene ko aur bhi risky banati hai.
5. Possible Effects of Programs to Forgive Loans
Qarz Maafi Programs Ke Asar Kuch deshon mein sarkar logon ko unki student loan qarz se chutkara pane ke liye kuch sharten milti hain. Halaanki ye schemes borrowers ki madad karti hain, ye banks ke liye chiz ko aur bhi unclear bana sakti hain. Kanoon mein changes ya aur loan maafi programs banks ke liye capital aur interest jama karne mein mushkil kar sakte hain, jisse unki return on investment ko nuksan ho sakta hai.
6. Rates of default and problems with collecting debts
Default Rates Aur Qarz Jama Karne Mein Pareshaniyon Ke Masail Logon mein se jo log apni student loans wapas nahi karte hain, ye banks aur doosri financial institutions ke liye ek chinta ka vishay raha hai. Kuch users apne loan payments karne mein pareshani ho sakti hai paiso ki samasyaon ya doosri personal problems ki wajah se. Jab borrowers apne loans wapas nahi karte hain, to banks ko paise wapas paane ke liye kaise tarike sochna padta hai. Ye mahanga aur lamba samay le sakta hai. Isi tarah se in problems ki wajah se banks ke liye risk badh jata hai.
7. Changes in the market and economic factors
Market Mein Badlav Aur Arthik Faisley Student debt ke saath aane wala risk market ki halat par bhi asar daal sakta hai aur market ki volatilta par bhi. Arthik mandi ya depression ke dauraan logon ke paas kam job ki opportunities ho sakti hain, jisse unko kaam dhundhna aur loans wapas karna mushkil ho sakta hai. Byaj daron aur muddaton mein hui badlav bhi loan payments karne ko mushkil kar sakte hain, jo aur logon ko un payments ko rokne par majboor kar sakte hain.
Getting rid of the dangers
Haan, student loans banks ke liye inherent roop se risky hote hain, lekin banks in risks ko kam karne ke liye kuch cheezein kar sakti hain:
1. Comprehensive Credit Evaluation
Vyapak Credit Moolyaankan Banks credit moolyaankan karne ke liye sakht tariko ka upayog kar sakte hain jo sirf credit records aur income proof se nahi dekhte. Borrower ki akademik safalta, kaam ke avsar aur job paane ki kshamata ko moolyaankan karna borrower ki loan wapas karne ki kshamata ka pura chitran de sakta hai.
2. Loan Guidance and Financial Education
Loan Margdarshan Aur Vittiya Shiksha: Logon ko poora loan margdarshan dena aur unhe batana ki paiso ka prabandhan kaise kiya jata hai unhe apne paise ka dhyan rakhne mein madadgar ho sakta hai. Isse log behtar chunav kar sakte hain aur samajh sakte hain ki unka kya role hai. Isse logo ko unke loan wapas karne mein madadgar bhi banaya ja sakta hai aur unka risk kam ho sakta hai.
3. Loan Structure:
Loan Structure: Banks flexible tarike se loans dene ka offer kar sakte hain, jaise ki income-driven payback plans jo loan payments ko users ke kamai ke hisab se badalte hain. Is tarike se users apne cash flow ko control kar sakte hain aur unka risk kam ho sakta hai ki woh loan wapas na karein.
4. Working with educational institutions
Shiksha Sansthano Ke Saath Kaam Karna: Shiksha sansthano ke saath mil kar, banks ko ye pata chal sakta hai ki students school mein kaise perform karte hain aur unka career kaisa hota hai. Is tarah ki sahyogita loan process mein madadgar ho sakti hai aur loans wapas karne mein kam risk wale borrowers ko dhoondhne mein madadgar ho sakti hai.
Conclusion
Nikashan Banks student loans ko risky investments samajhte hain kyun ki unme security ki kami hoti hai, samajhna mushkil hota hai ki user loan wapas kar payega ya nahi, wapas dene ki avdhi lambi hoti hai, aur loan maafi programs ka asar ho sakta hai. Yeh bhi banks apne risks ko kam karne ke liye strict credit check, loan guidance, flexible loan terms, aur shiksha sansthano ke saath kaam karke kar sakte hain. In tarikeon ka istemal karke banks students ko shiksha loans ka access dena aur inke saath aane wale risks ko dekhbhal karne ke beech ek sahi balance dhundh sakte hain.
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