美国教育部提议以固定或基于收入的计划简化学生贷款偿还程序。 The U.S. Department of Education proposes simplifying student loan repayment with fixed or income-based plans.

美国教育部正在考虑对学生贷款偿还计划进行一次重大改革,提供两种选择:一个是每月固定支付10至25年的标准计划,另一个是收入驱动计划,根据调整后的总收入付款。 The U.S. Department of Education is considering a major overhaul of student loan repayment plans, offering two options: a standard plan with fixed monthly payments over 10 to 25 years and an income-driven plan with payments based on adjusted gross income (AGI). 收入驱动计划对那些收入在10 000美元或以下的人将至少支付10美元。 The income-driven plan would have a $10 minimum payment for those earning $10,000 or less. 这两项计划都将免除剩余的利息,并将贷款豁免扩大到360笔付款或30年。 Both plans would waive remaining interest and extend loan forgiveness to 360 payments or 30 years. 这次改革的目的是简化偿还过程,帮助4 300万借款人管理债务。 This overhaul aims to simplify the repayment process and help 43 million borrowers manage their debts.