{"id":976,"date":"2023-04-03T08:05:14","date_gmt":"2023-04-03T08:05:14","guid":{"rendered":"https:\/\/www.uaefuture.org\/?p=976"},"modified":"2023-04-03T08:05:14","modified_gmt":"2023-04-03T08:05:14","slug":"3-%d9%85%d8%b3%d8%a7%d8%b1%d8%a7%d8%aa-%d8%a8%d8%af%d9%8a%d9%84%d8%a9-%d9%84%d9%84%d8%aa%d8%b3%d8%a7%d9%85%d8%ad-%d8%b9%d9%86-%d9%82%d8%b1%d8%b6-%d8%a7%d9%84%d8%b7%d8%a7%d9%84%d8%a8-%d8%a5%d8%b0%d8%a7","status":"publish","type":"post","link":"https:\/\/www.uaefuture.org\/?p=976","title":{"rendered":"3 \u0645\u0633\u0627\u0631\u0627\u062a \u0628\u062f\u064a\u0644\u0629 \u0644\u0644\u062a\u0633\u0627\u0645\u062d \u0639\u0646 \u0642\u0631\u0636 \u0627\u0644\u0637\u0627\u0644\u0628 \u0625\u0630\u0627 \u062a\u0645 \u062d\u0638\u0631 \u062e\u0637\u0629 \u0628\u0627\u064a\u062f\u0646"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div id=\"tve_editor\" data-post-id=\"42272\">\n<div class=\"tcb-clear\" data-css=\"tve-u-187432802b3\">\n<div class=\"thrv_wrapper tve_image_caption\" data-css=\"tve-u-1874327ef6a\" style=\"\" data-float-d=\"1\"><span class=\"tve_image_frame\"><img decoding=\"async\" class=\"tve_image wp-image-42252\" alt=\"\u0645\u0633\u0627\u0631\u0627\u062a \u0628\u062f\u064a\u0644\u0629 \u0644\u0644\u062a\u0633\u0627\u0645\u062d \u0639\u0646 \u0642\u0631\u0636 \u0627\u0644\u0637\u0627\u0644\u0628\" data-id=\"42252\" width=\"360\" data-init-width=\"1200\" height=\"628\" data-init-height=\"628\" title=\"\u0627\u0644\u0643\u0644\u064a\u0629\" loading=\"lazy\" src=\"https:\/\/cdn.thecollegeinvestor.com\/wp-content\/uploads\/2023\/03\/TheCollegeInvestor_AllSizes_Supreme_Court_Arguments_For_and_Against_Student_Loan_Forgiveness_1200x628.jpg\" data-width=\"360\" data-css=\"tve-u-1874327fed3\" style=\"\"\/><\/span><\/div>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<p>\u0645\u0627\u0630\u0627 \u064a\u062d\u062f\u062b \u0625\u0630\u0627 \u062d\u0643\u0645\u062a \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0639\u0644\u064a\u0627 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\u062d\u0638\u0631 \u062e\u0637\u0629 \u0627\u0644\u0631\u0626\u064a\u0633 \u0628\u0627\u064a\u062f\u0646 \u0627\u0644\u0634\u0627\u0645\u0644\u0629 \u0644\u0644\u0625\u0639\u0641\u0627\u0621 \u0645\u0646 \u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0639\u0644\u064a\u0627 \u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0623\u064a \u062a\u062d\u062f\u064a\u0627\u062a \u0645\u062d\u062a\u0645\u0644\u0629 \u0644\u0647\u0630\u0647 \u0627\u0644\u0628\u062f\u0627\u0626\u0644.<\/p>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<h2 id=\"t-1680458828985\">\u0627\u0644\u062e\u0637\u0629 \u0623: \u0627\u0644\u0631\u0626\u064a\u0633 \u0628\u0627\u064a\u062f\u0646 \u064a\u0646\u062c\u062d \u0641\u064a \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0639\u0644\u064a\u0627<\/h2>\n<p>\u0627\u0639\u062a\u0628\u0627\u0631\u064b\u0627 \u0645\u0646 \u0646\u0648\u0641\u0645\u0628\u0631 2022 \u060c \u062a\u0642\u062f\u0645 \u0645\u0627 \u0645\u062c\u0645\u0648\u0639\u0647 26.3 \u0645\u0644\u064a\u0648\u0646 \u0645\u0642\u062a\u0631\u0636 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 <a href=\"https:\/\/thecollegeinvestor.com\/40628\/president-bidens-student-loan-forgiveness\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">\u062e\u0637\u0629 \u0627\u0644\u0625\u0639\u0641\u0627\u0621 \u0645\u0646 \u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0637\u0644\u0627\u0628\u064a \u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062c\u0627\u0645\u0639\u0629<\/a>.  \u0648\u0645\u0646 \u0628\u064a\u0646 \u0647\u0630\u0647 \u0627\u0644\u0637\u0644\u0628\u0627\u062a \u060c \u062a\u0645\u062a \u0645\u0639\u0627\u0644\u062c\u0629 16.5 \u0645\u0644\u064a\u0648\u0646 \u0637\u0644\u0628 \u0648\u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u064a\u0647\u0627 \u0645\u0646 \u0642\u0628\u0644 \u0625\u062f\u0627\u0631\u0629 \u0628\u0627\u064a\u062f\u0646.<\/p>\n<p>\u0625\u0630\u0627 \u0641\u0627\u0632\u062a \u0625\u062f\u0627\u0631\u0629 \u0628\u0627\u064a\u062f\u0646 \u0628\u0643\u0644\u062a\u0627 \u0627\u0644\u0642\u0636\u064a\u062a\u064a\u0646 \u0623\u0645\u0627\u0645 \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0639\u0644\u064a\u0627 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u060c \u0641\u0633\u0648\u0641 \u062a\u0646\u0641\u0630 \u0627\u0644\u062a\u0633\u0627\u0645\u062d \u0628\u0633\u0631\u0639\u0629.  \u0633\u062a\u062e\u0628\u0631 \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 <a href=\"https:\/\/thecollegeinvestor.com\/9892\/the-complete-list-of-federal-student-loan-servicers\/\" target=\"_blank\" rel=\"noopener\">\u062e\u062f\u0645 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628\u064a\u0629<\/a> \u0644\u0644\u0634\u0631\u0648\u0639 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0631 \u0641\u064a \u0627\u0644\u0645\u063a\u0641\u0631\u0629.  \u0642\u062f \u064a\u0633\u062a\u063a\u0631\u0642 \u0647\u0630\u0627 \u0645\u0646 \u0623\u0633\u0628\u0648\u0639 \u0625\u0644\u0649 \u0623\u0633\u0628\u0648\u0639\u064a\u0646 \u062d\u062a\u0649 \u064a\u0643\u062a\u0645\u0644.<\/p>\n<p>\u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646 \u062a\u0633\u062a\u063a\u0631\u0642 \u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0629 \u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0623\u064a \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u060c \u0628\u0636\u0639\u0629 \u0623\u0633\u0627\u0628\u064a\u0639.<\/p>\n<p>\u0625\u0630\u0627 \u062a\u0645 \u0631\u0641\u0636 \u0627\u0644\u0642\u0636\u0627\u064a\u0627 \u0644\u0623\u0646 \u0627\u0644\u0645\u062f\u0639\u064a\u0646 \u064a\u0641\u062a\u0642\u0631\u0648\u0646 \u0625\u0644\u0649 \u0627\u0644\u0635\u0641\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u060c \u0641\u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646 \u0627\u0644\u0645\u062f\u0639\u064a \u0627\u0644\u062c\u062f\u064a\u062f \u0627\u0644\u0630\u064a \u0644\u062f\u064a\u0647 \u0648\u0636\u0639 \u0642\u0627\u0646\u0648\u0646\u064a \u0633\u0648\u0641 \u064a\u0631\u0641\u0639 \u062f\u0639\u0648\u0649 \u0642\u0636\u0627\u0626\u064a\u0629 \u0644\u0639\u0631\u0642\u0644\u0629 \u062e\u0637\u0629 \u0627\u0644\u0631\u0626\u064a\u0633.  \u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646 \u064a\u0633\u0639\u0648\u0627 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0623\u0645\u0631 \u0642\u0636\u0627\u0626\u064a \u0645\u0624\u0642\u062a \u0644\u0645\u0646\u0639 \u0625\u062f\u0627\u0631\u0629 \u0628\u0627\u064a\u062f\u0646 \u0645\u0646 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u0646\u0638\u0631 \u0641\u064a \u0627\u0644\u0642\u0636\u064a\u0629. <\/p>\n<p>\u0627\u0644\u0645\u062f\u0639\u064a \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0627\u0644\u0630\u064a \u064a\u062a\u0645\u062a\u0639 \u0628\u0648\u0636\u0639 \u0642\u0627\u0646\u0648\u0646\u064a \u0647\u0648 <a href=\"https:\/\/thecollegeinvestor.com\/20506\/problems-mohela-loan-servicing\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">\u0645\u0648\u0647\u0644\u0627<\/a>\u060c \u0646\u0638\u0631\u064b\u0627 \u0644\u0623\u0646 \u0625\u062f\u0627\u0631\u0629 \u0628\u0627\u064a\u062f\u0646 \u0627\u0639\u062a\u0631\u0641\u062a \u062e\u0644\u0627\u0644 \u062c\u0644\u0633\u0629 \u0627\u0644\u0627\u0633\u062a\u0645\u0627\u0639 \u0641\u064a 28 \u0641\u0628\u0631\u0627\u064a\u0631 2023 \u0628\u0623\u0646 \u0645\u0648\u0647\u0644\u0627 \u0633\u064a\u0643\u0648\u0646 \u0644\u0647\u0627 \u0648\u0636\u0639 \u0642\u0627\u0646\u0648\u0646\u064a.  \u0644\u0643\u0646 \u060c \u0645\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u0631\u062c\u062d \u0623\u0646 \u062a\u0631\u0641\u0639 MOHELA \u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u062f\u0639\u0648\u0649 \u060c \u0623\u0648 \u0623\u0646\u0647\u0627 \u0643\u0627\u0646\u062a \u0633\u062a\u0641\u0639\u0644 \u0630\u0644\u0643 \u0628\u0627\u0644\u0641\u0639\u0644. <\/p>\n<p>\u0648\u0645\u0646 \u0627\u0644\u0645\u0645\u0643\u0646 \u0623\u064a\u0636\u064b\u0627 \u0623\u0646 \u064a\u0631\u0641\u0639 \u0645\u062c\u0644\u0633 \u0627\u0644\u0646\u0648\u0627\u0628 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a \u062f\u0639\u0648\u0649 \u0642\u0636\u0627\u0626\u064a\u0629 \u0644\u0639\u0631\u0642\u0644\u0629 \u062e\u0637\u0629 \u0627\u0644\u0631\u0626\u064a\u0633.<\/p>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<h2 id=\"t-1680458828986\">\u0645\u0633\u0627\u0631\u0627\u062a \u0628\u062f\u064a\u0644\u0629 \u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628\u064a\u0629 \u0627\u0644\u0634\u0627\u0645\u0644\u0629\u061f<\/h2>\n<p>\u0625\u0630\u0627 \u062e\u0633\u0631\u062a \u0625\u062f\u0627\u0631\u0629 \u0628\u0627\u064a\u062f\u0646 \u0623\u064a \u0645\u0646 \u0627\u0644\u0642\u0636\u064a\u062a\u064a\u0646 \u0623\u0645\u0627\u0645 \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0639\u0644\u064a\u0627 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u060c \u0641\u0644\u0646 \u064a\u062a\u0645\u0643\u0646\u0648\u0627 \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 <a href=\"https:\/\/thecollegeinvestor.com\/35892\/is-student-loan-forgiveness-by-executive-order-legal\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0623\u0628\u0637\u0627\u0644 \u0644\u0639\u0627\u0645 2003<\/a> \u0644\u062a\u0646\u0641\u064a\u0630 \u062e\u0637\u0629 \u0627\u0644\u0631\u0626\u064a\u0633 \u0644\u0644\u0625\u0639\u0641\u0627\u0621 \u0645\u0646 \u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0637\u0644\u0627\u0628\u064a.  \u0641\u0645\u0627 \u0647\u064a \u0627\u0644\u0628\u062f\u0627\u0626\u0644\u061f<\/p>\n<p><strong>\u0642\u062f \u064a\u0639\u062a\u0645\u062f \u0642\u0631\u0627\u0631 \u0627\u062a\u0628\u0627\u0639 \u0646\u0647\u062c \u0622\u062e\u0631 \u0644\u0644\u0625\u0639\u0641\u0627\u0621 \u0645\u0646 \u0627\u0644\u0642\u0631\u0636 \u0639\u0644\u0649 \u0627\u0644\u0633\u064a\u0627\u0633\u0629 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0627\u0644\u0633\u064a\u0627\u0633\u0629.<\/strong><\/p>\n<p>\u0642\u062f \u062a\u0642\u0631\u0631 \u0625\u062f\u0627\u0631\u0629 \u0628\u0627\u064a\u062f\u0646 \u062a\u0631\u0643 \u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0639\u0644\u064a\u0627 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0647\u0648 \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0623\u0645\u0631.  \u0646\u062a\u064a\u062c\u0629 \u0644\u0630\u0644\u0643 \u060c \u0642\u062f \u062a\u062d\u0648\u0644 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u062a\u0631\u0643\u064a\u0632\u0647\u0627 \u0625\u0644\u0649 \u0623\u0634\u0643\u0627\u0644 \u0623\u062e\u0631\u0649 \u0645\u0646 \u0627\u0644\u0625\u0639\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646 \u0645\u0646 \u0627\u0644\u0637\u0644\u0627\u0628. <\/p>\n<p>\u0627\u0644 <a href=\"https:\/\/thecollegeinvestor.com\/41857\/new-repaye\/\" class=\"\" style=\"outline: none;\">\u062e\u0637\u0629 REPAYE \u062c\u062f\u064a\u062f\u0629<\/a> \u064a\u0648\u0641\u0631 \u0625\u0639\u0641\u0627\u0621 \u0645\u0627\u0644\u064a\u064b\u0627 \u0643\u0628\u064a\u0631\u064b\u0627 \u0644\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646 \u0627\u0644\u0645\u062a\u0639\u062b\u0631\u064a\u0646 \u060c \u0648\u064a\u062e\u0641\u0636 \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0634\u0647\u0631\u064a\u0629 \u0625\u0644\u0649 \u0627\u0644\u0646\u0635\u0641 \u0639\u0644\u0649 \u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u062c\u0627\u0645\u0639\u064a\u064a\u0646 \u0648\u064a\u0648\u0641\u0631 \u0625\u0639\u0641\u0627\u0621\u064b \u0645\u0628\u0643\u0631\u064b\u0627 \u0644\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u0628\u062f\u0623\u0648\u0627 \u0628\u0623\u0631\u0635\u062f\u0629 \u0642\u0631\u0648\u0636 \u0645\u0646\u062e\u0641\u0636\u0629. <\/p>\n<p>\u0644\u0643\u0646 \u0642\u062f \u064a\u0636\u063a\u0637 \u0645\u0624\u064a\u062f\u0648 \u0627\u0644\u062a\u0633\u0627\u0645\u062d \u0639\u0644\u0649 \u0625\u062f\u0627\u0631\u0629 \u0628\u0627\u064a\u062f\u0646 \u0644\u0644\u0642\u064a\u0627\u0645 \u0628\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a <a href=\"https:\/\/thecollegeinvestor.com\/578\/ways-to-get-student-loan-forgiveness\/\" target=\"_blank\" rel=\"noopener\">\u0627\u0644\u0625\u0639\u0641\u0627\u0621 \u0645\u0646 \u0642\u0631\u0636 \u0627\u0644\u0637\u0627\u0644\u0628<\/a>.  \u0647\u0646\u0627\u0643 \u0639\u062f\u062f \u0642\u0644\u064a\u0644 \u0645\u0646 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u062a\u0645\u062f\u064a\u062f \u0627\u0644\u062f\u0627\u0626\u0645 \u0644\u0625\u064a\u0642\u0627\u0641 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0624\u0642\u062a \u0648\u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u060c \u0648\u0633\u0644\u0637\u0629 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0628\u0645\u0648\u062c\u0628 \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0639\u0627\u0644\u064a \u0644\u0639\u0627\u0645 1965 \u060c \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0633\u0644\u0637\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0645\u0634\u0631\u0648\u0637 \u0628\u0627\u0644\u062f\u062e\u0644 \u0644\u0625\u0646\u0634\u0627\u0621 \u062e\u0637\u0629 \u0625\u0639\u0641\u0627\u0621 \u062c\u062f\u064a\u062f\u0629. <\/p>\n<p>\u0648\u0645\u0639 \u0630\u0644\u0643 \u060c \u0644\u0627 \u064a\u0628\u062f\u0648 \u0623\u064a \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u062d\u0644\u0627\u064b \u062c\u064a\u062f\u064b\u0627. <\/p>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<h2 id=\"t-1680458828987\">\u0627\u0644\u062e\u0637\u0629 \u0628: \u062a\u0648\u0642\u0641 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062f\u0627\u0626\u0645<\/h2>\n<p>\u064a\u0645\u0643\u0646 \u0644\u0644\u0631\u0626\u064a\u0633 \u0623\u0646 \u064a\u0642\u0631\u0631 <a href=\"https:\/\/thecollegeinvestor.com\/38934\/can-the-president-extend-the-student-loan-payment-pause-forever\/\" class=\"\" style=\"outline: none;\">\u062a\u0645\u062f\u064a\u062f \u0641\u062a\u0631\u0629 \u0627\u0644\u0625\u064a\u0642\u0627\u0641 \u0627\u0644\u0645\u0624\u0642\u062a \u0644\u0644\u062f\u0641\u0639 \u0648\u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0625\u0644\u0649 \u0623\u062c\u0644 \u063a\u064a\u0631 \u0645\u0633\u0645\u0649<\/a>.  \u0644\u0627 \u064a\u0648\u0641\u0631 \u0647\u0630\u0627 \u0641\u0642\u0637 \u0625\u0639\u0627\u0646\u0629 \u0645\u0627\u0644\u064a\u0629 \u0645\u0633\u062a\u0645\u0631\u0629 \u0644\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646 \u0627\u0644\u0645\u0624\u0647\u0644\u064a\u0646 \u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u062a\u0648\u0642\u0641\u0629 \u0645\u0624\u0642\u062a\u064b\u0627 \u062a\u064f\u062d\u062a\u0633\u0628 \u0643\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u062a\u062c\u0627\u0647 \u0627\u0644\u0625\u0639\u0641\u0627\u0621 \u0645\u0646 \u0642\u0631\u0636 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0648\u0625\u0639\u0641\u0627\u0621 20 \u0623\u0648 25 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u062e\u0637\u0629 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0629 \u0628\u0627\u0644\u062f\u062e\u0644.<\/p>\n<p>\u062a\u0633\u062a\u0646\u062f \u0633\u0644\u0637\u0629 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0625\u064a\u0642\u0627\u0641 \u0627\u0644\u0645\u0624\u0642\u062a \u0644\u0644\u062f\u0641\u0639 \u0648\u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0625\u0644\u0649 \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0623\u0628\u0637\u0627\u0644 \u0644\u0639\u0627\u0645 2003. \u0633\u0644\u0637\u0629 <a href=\"https:\/\/thecollegeinvestor.com\/41825\/end-of-the-covid-19-state-of-emergency-student-loans\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">\u062a\u0646\u0641\u064a\u0630 \u0648\u0642\u0641 \u0627\u0644\u062f\u0641\u0639 \u0648\u064a\u0646\u062a\u0647\u064a \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0628\u0627\u0646\u062a\u0647\u0627\u0621 \u062d\u0627\u0644\u0629 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0627\u0644\u0648\u0637\u0646\u064a\u0629<\/a>.  \u0623\u0639\u0631\u0628 \u0627\u0644\u0631\u0626\u064a\u0633 \u0639\u0646 \u0646\u064a\u062a\u0647 \u0625\u0646\u0647\u0627\u0621 \u0625\u0639\u0644\u0627\u0646 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0627\u0644\u0648\u0637\u0646\u064a \u0641\u064a 11 \u0645\u0627\u064a\u0648 2023. <\/p>\n<p>\u0642\u0627\u0644\u062a \u0625\u062f\u0627\u0631\u0629 \u0628\u0627\u064a\u062f\u0646 \u0625\u0646 \u0633\u0644\u0637\u062a\u0647\u0627 \u0641\u064a \u062a\u0646\u0641\u064a\u0630 \u0648\u0642\u0641 \u0627\u0644\u062f\u0641\u0639 \u0648\u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0633\u062a\u0633\u062a\u0645\u0631 \u0625\u0644\u0649 \u0645\u0627 \u0628\u0639\u062f \u0627\u0646\u062a\u0647\u0627\u0621 \u062d\u0627\u0644\u0629 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0644\u0623\u0646 \u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0644\u0644\u0648\u0628\u0627\u0621 \u0633\u064a\u0633\u062a\u0645\u0631.  \u0642\u062f \u064a\u0643\u0648\u0646 \u0647\u0630\u0627 \u0643\u0627\u0641\u064a\u064b\u0627 \u062d\u062a\u0649 \u064a\u0635\u0644 \u0627\u0644\u062a\u0645\u062f\u064a\u062f \u0627\u0644\u062d\u0627\u0644\u064a (\u0627\u0644\u062b\u0627\u0645\u0646) \u0625\u0644\u0649 \u0646\u0647\u0627\u064a\u062a\u0647 \u0628\u0639\u062f 60 \u064a\u0648\u0645\u064b\u0627 \u0645\u0646 \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0639\u0644\u064a\u0627 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0631\u0623\u064a\u064b\u0627 \u0641\u064a \u0627\u0644\u062f\u0639\u0627\u0648\u0649 \u0627\u0644\u0642\u0636\u0627\u0626\u064a\u0629 \u0627\u0644\u0645\u0639\u0644\u0642\u0629 \u060c \u0648\u0644\u0643\u0646 \u0633\u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0645\u062d\u0631\u062c \u0625\u0644\u0649 \u062d\u062f \u0645\u0627 \u0623\u0646 \u062a\u0635\u062f\u0631 \u0625\u062f\u0627\u0631\u0629 \u0628\u0627\u064a\u062f\u0646 \u062a\u0645\u062f\u064a\u062f\u064b\u0627 \u062c\u062f\u064a\u062f\u064b\u0627.<\/p>\n<p>\u0628\u0627\u0644\u0637\u0628\u0639 \u060c \u0642\u062f \u062a\u062a\u063a\u064a\u0631 \u062e\u0637\u0637 \u0627\u0644\u0631\u0626\u064a\u0633 \u0644\u0625\u0646\u0647\u0627\u0621 \u0625\u0639\u0644\u0627\u0646 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0627\u0644\u0648\u0637\u0646\u064a.  \u0631\u0628\u0645\u0627 \u064a\u062a\u062d\u0648\u0631 \u0641\u064a\u0631\u0648\u0633 Covid-19 \u0648\u064a\u0633\u0628\u0628 \u0628\u062f\u0627\u064a\u0629 \u0646\u0647\u0627\u064a\u0629 \u0639\u0627\u0644\u0645 \u0627\u0644\u0632\u0648\u0645\u0628\u064a.  \u0623\u0648 \u0631\u0628\u0645\u0627 \u0633\u064a\u0647\u0628\u0637 \u0627\u0644\u0641\u0636\u0627\u0626\u064a\u0648\u0646 \u0627\u0644\u0641\u0636\u0627\u0626\u064a\u0648\u0646 \u0641\u064a \u062d\u062f\u064a\u0642\u0629 \u0627\u0644\u0628\u064a\u062a \u0627\u0644\u0623\u0628\u064a\u0636.  \u0647\u0646\u0627\u0643 \u062f\u0627\u0626\u0645\u064b\u0627 \u0627\u062d\u062a\u0645\u0627\u0644 \u0648\u062c\u0648\u062f \u0639\u0630\u0631 \u0644\u062a\u0645\u062f\u064a\u062f \u0627\u0644\u0625\u064a\u0642\u0627\u0641 \u0627\u0644\u0645\u0624\u0642\u062a \u0644\u0644\u062f\u0641\u0639 \u0648\u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u0641\u0627\u0626\u062f\u0629.  \u0647\u0646\u0627\u0643 <a href=\"https:\/\/en.wikipedia.org\/wiki\/List_of_national_emergencies_in_the_United_States\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">\u062d\u0627\u0644\u064a\u0627 42 \u062d\u0627\u0644\u0629 \u0637\u0648\u0627\u0631\u0626 \u0648\u0637\u0646\u064a\u0629 \u0633\u0627\u0631\u064a\u0629<\/a>.<\/p>\n<p>\u0648\u0644\u0643\u0646 \u060c \u0642\u062f \u062a\u0645\u0646\u0639 \u0627\u0644\u062f\u0639\u0648\u0649 \u0627\u0644\u0642\u0636\u0627\u0626\u064a\u0629 \u0627\u0644\u0645\u0639\u0644\u0642\u0629 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0645\u062f\u064a\u062f\u0627\u062a \u0644\u0625\u064a\u0642\u0627\u0641 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0624\u0642\u062a \u0648\u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u0641\u0627\u0626\u062f\u0629.<\/p>\n<p>\u0631\u0641\u0639\u062a SoFi \u062f\u0639\u0648\u0649 \u0642\u0636\u0627\u0626\u064a\u0629 \u0641\u064a 3 \u0645\u0627\u0631\u0633 2023 \u062a\u0633\u0639\u0649 \u0625\u0644\u0649 \u0625\u0646\u0647\u0627\u0621 \u0625\u064a\u0642\u0627\u0641 \u0627\u0644\u062f\u0641\u0639 \u0648\u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u0641\u0627\u0626\u062f\u0629.  \u062a\u062c\u0627\u062f\u0644 SoFi \u060c \u0648\u0647\u064a \u062c\u0647\u0629 \u0625\u0642\u0631\u0627\u0636 \u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u062e\u0627\u0635\u0629 \u0648\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062e\u0627\u0635 \u060c \u0628\u0623\u0646 \u0627\u0644\u062a\u0645\u062f\u064a\u062f \u0627\u0644\u0623\u062e\u064a\u0631 \u0644\u064a\u0633 \u0645\u0631\u062a\u0628\u0637\u064b\u0627 \u0628\u0627\u0644\u0648\u0628\u0627\u0621 \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u063a\u064a\u0631 \u0645\u0628\u0631\u0631 \u0628\u0645\u0648\u062c\u0628 \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0623\u0628\u0637\u0627\u0644 \u0644\u0639\u0627\u0645 2003 \u0644\u0623\u0646\u0647 \u0644\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0648\u0628\u0627\u0621.  \u062a\u062c\u0627\u062f\u0644 SoFi \u0623\u064a\u0636\u064b\u0627 \u0628\u0623\u0646\u0647\u0627 \u0644\u0627 \u062a\u0633\u062a\u0647\u062f\u0641 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0627\u0644\u0645\u062a\u0636\u0631\u0631\u064a\u0646 \u0628\u0634\u0643\u0644 \u0636\u064a\u0642.  \u0627\u0644\u0642\u0636\u064a\u0629 \u0647\u064a SOFI BANK \u0648 NA \u0648 SOFI LENDING CORP. \u0636\u062f MIGUEL CARDONA \u0648\u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u060c \u0631\u0642\u0645 \u0627\u0644\u0642\u0636\u064a\u0629 <a href=\"https:\/\/www.courtlistener.com\/docket\/66936708\/sofi-bank-na-v-cardona\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">1: 2023cv00599<\/a>\u060c \u0645\u062d\u0643\u0645\u0629 \u0645\u0642\u0627\u0637\u0639\u0629 \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0644\u0645\u0642\u0627\u0637\u0639\u0629 \u0643\u0648\u0644\u0648\u0645\u0628\u064a\u0627. <\/p>\n<p>\u064a\u0645\u062a\u062f \u062c\u062f\u0648\u0644 \u0627\u0644\u0625\u062d\u0627\u0637\u0629 \u0641\u064a \u0627\u0644\u062f\u0639\u0648\u0649 \u062d\u062a\u0649 26 \u064a\u0648\u0646\u064a\u0648 2023 \u060c \u0644\u0630\u0644\u0643 \u0645\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646 \u064a\u062a\u0633\u0628\u0628 \u0641\u064a \u0625\u0646\u0647\u0627\u0621 \u0645\u0628\u0643\u0631 \u0644\u0644\u062a\u0645\u062f\u064a\u062f \u0627\u0644\u062d\u0627\u0644\u064a. <\/p>\n<p>\u0644\u0648 <a href=\"https:\/\/thecollegeinvestor.com\/13740\/sofi-review\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">SoFi<\/a> \u064a\u0641\u0648\u0632 \u0628\u0642\u0636\u064a\u062a\u0647 \u060c \u0641\u0645\u0646 \u0627\u0644\u0645\u0631\u062c\u062d \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0646\u062a\u0635\u0627\u0631\u064b\u0627 \u0628\u0627\u0647\u0638 \u0627\u0644\u062b\u0645\u0646 \u060c \u062d\u064a\u062b \u0645\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u0631\u062c\u062d \u0623\u0646 \u064a\u0641\u0639\u0644 \u0627\u0644\u0645\u0642\u062a\u0631\u0636\u0648\u0646 <a href=\"https:\/\/thecollegeinvestor.com\/21558\/best-places-refinance-student-loans\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">\u0625\u0639\u0627\u062f\u0629 \u062a\u0645\u0648\u064a\u0644 \u0642\u0631\u0648\u0636\u0647\u0645 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u0629<\/a> \u0645\u0639 \u0627\u0644\u0645\u0642\u0631\u0636 \u0627\u0644\u0630\u064a \u0623\u062c\u0628\u0631\u0647\u0645 \u0639\u0644\u0649 \u0627\u0644\u0633\u062f\u0627\u062f.  \u0623\u064a\u0636\u0627 \u060c \u0628\u062d\u0644\u0648\u0644 \u0630\u0644\u0643 \u0627\u0644\u0648\u0642\u062a \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0639\u0644\u0649 <a href=\"https:\/\/thecollegeinvestor.com\/22108\/best-private-student-loans\/\" target=\"_blank\" rel=\"noopener\">\u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u062e\u0627\u0635\u0629<\/a> \u0633\u062a\u0643\u0648\u0646 \u0623\u0639\u0644\u0649 \u0628\u0643\u062b\u064a\u0631 \u0645\u0646 \u0645\u0639\u0638\u0645 \u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u0629 \u060c \u062d\u062a\u0649 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646 \u0630\u0648\u064a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u0645\u062a\u0627\u0632. <\/p>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<h2 id=\"t-1680458828988\">\u0627\u0644\u062e\u0637\u0629 \u062c: \u0633\u0644\u0637\u0629 \u0627\u0644\u0625\u0639\u0641\u0627\u0621 \u0645\u0646 \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0639\u0627\u0644\u064a (HEA)<\/h2>\n<p>\u0632\u0639\u0645 \u0628\u0639\u0636 \u0645\u0624\u064a\u062f\u064a \u0627\u0644\u0625\u0639\u0641\u0627\u0621 \u0645\u0646 \u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628 \u0623\u0646 \u0627\u0644\u0631\u0626\u064a\u0633 \u0644\u062f\u064a\u0647 \u0627\u0644\u0633\u0644\u0637\u0629 \u0644\u0625\u0639\u0641\u0627\u0621 \u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 <a href=\"https:\/\/thecollegeinvestor.com\/35892\/is-student-loan-forgiveness-by-executive-order-legal\/\" class=\"\" style=\"outline: none;\">\u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u0633\u0644\u0637\u0629 \u0641\u064a \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0639\u0627\u0644\u064a \u0644\u0639\u0627\u0645 1965<\/a> (HEA). <\/p>\n<p>\u0647\u0646\u0627\u0643 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0634\u0627\u0643\u0644 \u0645\u0639 \u0647\u0630\u0627 \u0627\u0644\u0646\u0647\u062c.<\/p>\n<ul>\n<li>\u064a\u0639\u062a\u0645\u062f \u0630\u0644\u0643 \u0639\u0644\u0649 \u0642\u0631\u0627\u0621\u0629 \u062e\u0627\u0637\u0626\u0629 \u0644\u0640 HEA \u060c \u0645\u0645\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0625\u062e\u0631\u0627\u062c \u0633\u0644\u0637\u0629 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0645\u0646 \u0633\u064a\u0627\u0642\u0647\u0627.  \u062f\u064a\u0628\u0627\u062c\u0629 \u0647\u0630\u0627 \u0627\u0644\u0642\u0633\u0645 \u0645\u0646 \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0639\u0627\u0644\u064a \u062a\u062d\u062f \u0645\u0646 \u0627\u0644\u0633\u0644\u0637\u0629 \u0625\u0644\u0649 \u0627\u0644\u0633\u0644\u0637\u0629 \u0627\u0644\u0645\u062e\u0648\u0644\u0629 \u0644\u0648\u0632\u064a\u0631 \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a \u0645\u0646 \u0642\u0628\u0644 \u0647\u064a\u0626\u0629 \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0639\u0627\u0644\u064a.  \u0628\u0639\u0628\u0627\u0631\u0629 \u0623\u062e\u0631\u0649 \u060c \u0644\u0627 \u064a\u0645\u0643\u0646\u0647\u0645 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628 \u0625\u0644\u0627 \u0648\u0641\u0642\u064b\u0627 \u0644\u0645\u0627 \u0623\u0630\u0646 \u0628\u0647 \u0627\u0644\u0643\u0648\u0646\u062c\u0631\u0633 \u0645\u0633\u0628\u0642\u064b\u0627.<\/li>\n<li>\u062a\u0638\u0647\u0631 \u0633\u0644\u0637\u0629 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0641\u0642\u0637 \u0641\u064a \u0627\u0644\u062c\u0632\u0623\u064a\u0646 B \u0648 E \u0645\u0646 \u0642\u0627\u0646\u0648\u0646 HEA.  \u064a\u063a\u0637\u064a \u0627\u0644\u062c\u0632\u0621 \u0628 <a href=\"https:\/\/thecollegeinvestor.com\/37756\/ffelp-loans\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">\u0628\u0631\u0646\u0627\u0645\u062c \u0642\u0631\u0636 \u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0623\u0633\u0631\u0629 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a (FFELP)<\/a> \u0648\u064a\u063a\u0637\u064a \u0627\u0644\u062c\u0632\u0621 \u0647\u0627\u0621 <a href=\"https:\/\/thecollegeinvestor.com\/31886\/perkins-loans-guide\/\" target=\"_blank\" rel=\"noopener\">\u0642\u0631\u0636 \u0628\u064a\u0631\u0643\u0646\u0632 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a<\/a>.  \u0627\u0644\u062c\u0632\u0621 \u062f \u0627\u0644\u0630\u064a \u064a\u063a\u0637\u064a <a href=\"https:\/\/thecollegeinvestor.com\/33764\/william-d-ford-act\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">\u0648\u0644\u064a\u0627\u0645 \u062f\u064a \u0641\u0648\u0631\u062f<\/a> \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a (DL) \u060c \u063a\u0627\u0626\u0628 \u0628\u0634\u0643\u0644 \u0645\u0644\u062d\u0648\u0638.  \u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u0647\u0630\u0627 \u0627\u0644\u0623\u0645\u0631 \u060c \u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0631\u0621 \u0623\u0646 \u064a\u062d\u0627\u0648\u0644 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0634\u0631\u0637 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0645\u0648\u0627\u0632\u064a\u0629 \u060c \u0644\u0643\u0646 \u0633\u0644\u0637\u0629 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0644\u064a\u0633\u062a \u0634\u0631\u0637\u064b\u0627 \u0648\u0634\u0631\u0637\u064b\u0627 \u0644\u0644\u0642\u0631\u0648\u0636 \u060c \u0628\u0644 \u0647\u064a \u062e\u0627\u0631\u062c\u064a\u0629 \u0644\u0647\u0627. <\/li>\n<li>\u0644\u0627 \u062a\u0633\u062a\u062e\u062f\u0645 \u0633\u0644\u0637\u0629 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0645\u0635\u0637\u0644\u062d &#8220;\u0628\u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0630\u0644\u0643&#8221; \u0645\u062b\u0644 \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0623\u0628\u0637\u0627\u0644 \u0644\u0639\u0627\u0645 2003. \u0648\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u0633\u0644\u0637\u0629 \u0642\u062f \u062a\u0643\u0648\u0646 \u0645\u0642\u064a\u062f\u0629 \u0628\u0644\u063a\u0629 \u062a\u0634\u0631\u064a\u0639\u064a\u0629 \u0648\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0623\u062e\u0631\u0649.  \u0639\u0644\u0649 \u0648\u062c\u0647 \u0627\u0644\u062e\u0635\u0648\u0635 \u060c \u064a\u062e\u0636\u0639 \u0644\u0642\u064a\u0648\u062f \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u0633\u0644\u0637\u0629 \u0627\u0644\u062a\u064a \u062a\u0638\u0647\u0631 \u0641\u064a <a href=\"https:\/\/www.law.cornell.edu\/cfr\/text\/31\/902.2\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">31 CFR 902.2<\/a>\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u062d\u062f \u0645\u0646 \u0627\u0644\u062a\u0646\u0627\u0632\u0644\u0627\u062a \u0625\u0644\u0649 <a href=\"https:\/\/thecollegeinvestor.com\/38259\/compromise-federal-student-loan-debt\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">\u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0643\u0648\u0646 \u0641\u064a\u0647\u0627 \u0627\u0644\u0645\u0642\u062a\u0631\u0636 \u063a\u064a\u0631 \u0642\u0627\u062f\u0631 \u0639\u0644\u0649 \u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0646<\/a> \u0648\u0627\u0644\u062a\u064a \u062a\u062a\u0637\u0644\u0628 \u0645\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u0629 \u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u0642\u0631\u0648\u0636 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062d\u062c\u0632 \u0627\u0644\u0623\u062c\u0648\u0631 \u0648\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u062e\u0632\u064a\u0646\u0629.  \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643 \u060c \u0627\u0644\u0648\u0643\u0627\u0644\u0627\u062a \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u0629 \u0645\u0637\u0644\u0648\u0628\u0629 \u0645\u0646 \u0642\u0628\u0644 <a href=\"https:\/\/www.law.cornell.edu\/cfr\/text\/31\/901.1\" target=\"_blank\" rel=\"noopener\">31 CFR 901.1 (\u0623)<\/a> &#8220;\u0644\u062a\u062d\u0635\u064a\u0644 \u062c\u0645\u064a\u0639 \u0627\u0644\u062f\u064a\u0648\u0646 \u0628\u0642\u0648\u0629&#8221;.<\/li>\n<\/ul>\n<p>\u0623\u064a\u0636\u064b\u0627 \u060c \u0625\u0644\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0630\u064a \u062a\u0645 \u0641\u064a\u0647 \u0630\u0643\u0631 \u0633\u0644\u0637\u0629 \u062a\u0646\u0627\u0632\u0644 HEA \u0641\u064a \u0623\u062d\u062f \u0627\u0644\u0645\u0630\u0643\u0631\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u060c \u0642\u062f \u062a\u0642\u0631\u0631 \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0639\u0644\u064a\u0627 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0645\u0639\u0627\u0644\u062c\u062a\u0647\u0627. <\/p>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<h2 id=\"t-1680458828989\">\u0627\u0644\u062e\u0637\u0629 \u062f: \u0627\u0644\u063a\u0641\u0631\u0627\u0646 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u062f\u0627\u062f \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0627\u0644\u062f\u062e\u0644<\/h2>\n<p>\u0625\u0646 \u062e\u0637\u0637 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0623\u0631\u0628\u0639\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u062f\u062e\u0644 \u060c ICR \u0648 IBR \u0648 PAYE \u0648 REPAYE \u060c \u0647\u064a \u0628\u0627\u0644\u0641\u0639\u0644 \u062e\u0637\u0637 \u0625\u0639\u0641\u0627\u0621 \u0645\u0646 \u0627\u0644\u0642\u0631\u0648\u0636.  \u064a\u0639\u0641\u0648\u0646 \u0639\u0646 \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0629 \u0628\u0639\u062f 20 \u0623\u0648 25 \u0633\u0646\u0629 \u0645\u0646 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a. <\/p>\n<p>\u0642\u062f\u0645 \u0627\u0644\u0643\u0648\u0646\u062c\u0631\u0633 \u0633\u0644\u0637\u0629 \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0627\u0633\u0639\u0629 \u0644\u0633\u062f\u0627\u062f \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0637\u0627\u0631\u0626 (ICR) \u060c \u0628\u0645\u0627 \u064a\u0643\u0641\u064a \u0644\u0640 <a href=\"https:\/\/thecollegeinvestor.com\/39586\/how-to-implement-broad-student-loan-forgiveness\/\" class=\"\" style=\"outline: none;\">\u0623\u0639\u062f \u0635\u0646\u0639 ICR \u0641\u064a \u062e\u0637\u0629 \u0648\u0627\u0633\u0639\u0629 \u0644\u0644\u0625\u0639\u0641\u0627\u0621 \u0645\u0646 \u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628<\/a> \u0639\u0646 \u0637\u0631\u064a\u0642 \u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u0626\u0648\u064a\u0629 \u0644\u0644\u062f\u062e\u0644 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u060c \u0648\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u0648\u0639\u062f\u062f \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u062d\u062a\u0649 \u0627\u0644\u0625\u0639\u0641\u0627\u0621. <\/p>\n<p>\u0647\u0630\u0647 \u0644\u064a\u0633\u062a \u0645\u062c\u0631\u062f \u062d\u062c\u0629 \u0646\u0638\u0631\u064a\u0629 \u060c \u062d\u064a\u062b \u062a\u0645 \u0628\u0627\u0644\u0641\u0639\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0645\u0631\u062a\u064a\u0646 \u0645\u0646 \u0642\u0628\u0644 \u0641\u064a \u0625\u0646\u0634\u0627\u0621 \u062e\u0637\u0637 PAYE \u0648 REPAYE.  \u062e\u0641\u0636\u062a \u062e\u0637\u0637 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u0626\u0648\u064a\u0629 <a href=\"https:\/\/thecollegeinvestor.com\/21666\/discretionary-income-calculator\/\" target=\"_blank\" rel=\"noopener\">\u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a<\/a> \u0645\u0646 20\u066a \u0625\u0644\u0649 10\u066a \u060c \u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u0645\u0646 AGI &#8211; 100\u066a PL \u0625\u0644\u0649 AGi &#8211; 150\u066a PL \u0648\u0639\u062f\u062f \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u062d\u062a\u0649 \u0627\u0644\u062a\u0633\u0627\u0645\u062d \u0645\u0646 25 \u0625\u0644\u0649 20. <\/p>\n<p>\u0644\u0627 \u064a\u0633\u0645\u062d \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0628\u0623\u0646 \u064a\u0646\u062e\u0641\u0636 \u200b\u200b\u0639\u062f\u062f \u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0633\u062f\u0627\u062f \u0625\u0644\u0649 \u0623\u0642\u0644 \u0645\u0646 5 \u060c \u0648\u0647\u0646\u0627\u0643 \u0628\u0639\u0636 \u0627\u0644\u062a\u0633\u0627\u0624\u0644\u0627\u062a \u062d\u0648\u0644 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0646\u062e\u0641\u0636 \u200b\u200b\u0625\u0644\u0649 \u0623\u0642\u0644 \u0645\u0646 10 \u060c \u0648\u0644\u0643\u0646 \u0628\u0627\u0644\u062a\u0623\u0643\u064a\u062f \u064a\u0645\u0643\u0646\u0647\u0645 \u0625\u0646\u0634\u0627\u0621 \u062e\u0637\u0629 \u0639\u0641\u0648 \u062a\u0645 \u0627\u062e\u062a\u0628\u0627\u0631\u0647\u0627 \u0644\u0644\u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u064a \u062a\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0629 \u0628\u0639\u062f 10 \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u0627\u0644\u0633\u062f\u0627\u062f.<\/p>\n<p>\u064a\u0645\u0643\u0646\u0647\u0645 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u0633\u0645\u0627\u062d \u0628\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a <a href=\"https:\/\/thecollegeinvestor.com\/32756\/best-student-loan-repayment-plan\/\" target=\"_blank\" class=\"\" style=\"outline: none;\" rel=\"noopener\">\u062e\u0637\u0637 \u0633\u062f\u0627\u062f \u0623\u062e\u0631\u0649 \u0645\u062f\u0641\u0648\u0639\u0629 \u0628\u0627\u0644\u062f\u062e\u0644<\/a> \u064a\u062a\u0645 \u0627\u062d\u062a\u0633\u0627\u0628\u0647\u0627 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0639\u0646\u062f \u0627\u0644\u062a\u0633\u0627\u0645\u062d \u060c \u0628\u062d\u064a\u062b \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u0633\u0628\u0642 \u0644\u0647\u0645 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u062a\u062d\u0648\u0644 \u0625\u0644\u0649 \u062e\u0637\u0629 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0648\u0625\u0639\u0641\u0627\u0621 \u0642\u0631\u0648\u0636\u0647\u0645. <\/p>\n<p>\u0642\u0627\u0645\u062a \u0625\u062f\u0627\u0631\u0629 \u0628\u0627\u064a\u062f\u0646 \u0628\u062a\u0636\u0645\u064a\u0646 \u0628\u0639\u0636 \u0627\u0644\u0623\u0641\u0643\u0627\u0631 \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0645\u0646\u0648\u0627\u0644 \u0641\u064a \u062e\u0637\u0629 REPAYE \u0627\u0644\u0645\u062d\u062f\u062b\u0629.  \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u060c \u0633\u064a\u062a\u0645 \u0625\u0639\u0641\u0627\u0621 \u0627\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u0643\u0627\u0646\u0648\u0627 \u064a\u062f\u064a\u0646\u0648\u0646 \u0641\u064a \u0627\u0644\u0628\u062f\u0627\u064a\u0629 \u0628\u0645\u0628\u0644\u063a 12000 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u0642\u0631\u0648\u0636 \u0627\u0644\u0637\u0644\u0627\u0628 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u0629 \u0628\u0639\u062f 10 \u0633\u0646\u0648\u0627\u062a \u060c \u0628\u062f\u0644\u0627\u064b \u0645\u0646 20 \u0639\u0627\u0645\u064b\u0627.  \u0643\u0644 1000 \u062f\u0648\u0644\u0627\u0631 \u0625\u0636\u0627\u0641\u064a\u0629 \u062a\u0646\u062a\u062c \u0633\u0646\u0648\u064a\u064b\u0627 \u062d\u062a\u0649 \u064a\u062a\u0645 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0627\u0644\u0642\u0631\u0648\u0636. <\/p>\n<p>\u0642\u0631\u0631\u0648\u0627 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0630\u0644\u0643 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u062a\u0623\u062e\u064a\u0631 \u0646\u0634\u0631 \u0625\u0634\u0639\u0627\u0631 \u0648\u0636\u0639 \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0645\u0642\u062a\u0631\u062d\u0629 (NPRM) \u0625\u0644\u0649 \u0645\u0627 \u0628\u0639\u062f \u062d\u0643\u0645 \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u0639\u0644\u064a\u0627 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629.  \u0646\u0638\u0631\u064b\u0627 \u0644\u0623\u0646\u0647 \u0644\u0645 \u064a\u062a\u0645 \u0627\u0644\u062a\u0648\u0635\u0644 \u0625\u0644\u0649 \u0625\u062c\u0645\u0627\u0639 \u0623\u062b\u0646\u0627\u0621 \u0648\u0636\u0639 \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0645\u062a\u0641\u0627\u0648\u0636 \u0639\u0644\u064a\u0647\u0627 \u060c \u064a\u0645\u0643\u0646 \u0644\u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0623\u0646 \u062a\u0641\u0639\u0644 \u0645\u0627 \u062a\u0634\u0627\u0621 \u0641\u064a NPRM.  \u0644\u0643\u0646\u0647\u0645 \u0642\u0631\u0631\u0648\u0627 \u0627\u0644\u0645\u0636\u064a \u0642\u062f\u0645\u064b\u0627 \u0641\u064a \u0627\u0644\u0646\u0633\u062e\u0629 \u0627\u0644\u0645\u0646\u0642\u062d\u0629 \u0645\u0646 REPAYE.  \u0627\u0646\u062a\u0647\u062a \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0639\u0644\u064a\u0642 \u0627\u0644\u0639\u0627\u0645 \u0639\u0644\u0649 NPRM \u0641\u064a 10 \u0641\u0628\u0631\u0627\u064a\u0631 2023 \u060c \u0645\u0639 13635 \u062a\u0639\u0644\u064a\u0642\u064b\u0627 \u0639\u0627\u0645\u064b\u0627.  \u0625\u0630\u0627 \u062a\u0645 \u0646\u0634\u0631 \u0627\u0644\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629 \u0628\u062d\u0644\u0648\u0644 1 \u0646\u0648\u0641\u0645\u0628\u0631 2023 \u060c \u0641\u0625\u0646 \u0627\u0644\u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u062c\u062f\u064a\u062f \u0645\u0646 REPAYE \u0633\u064a\u062f\u062e\u0644 \u062d\u064a\u0632 \u0627\u0644\u062a\u0646\u0641\u064a\u0630 \u0641\u064a 1 \u064a\u0648\u0644\u064a\u0648 2024. 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