Kuma ya tafi!
Muna magana ne akan dala biliyan 300 na kudaden masu biyan haraji da za su yi kasa a gwiwa a bugun alkalami na Joe Biden a kan shirin soke bashin dala 10,000 na dalibi. Kuma game da ma’aurata, wannan ya shafi gidaje da kuɗin shiga har $250,000!
Da'awar doka don tabbatar da wannan aikin a matsayin kira ta Ma'aikatar Ilimi: "shiri ne na soke bashin da aka ba da umarni don magance illolin kuɗi da cutar ta COVID-19 ta haifar."
Kashi 37% kawai na Amurkawa suna da digiri na kwaleji na shekaru 4, kawai 13% suna da digirin digiri kuma kawai 3% suna da digiri na uku na PhD ko makamancin haka. Duk da haka cikakken 56% na bashin ɗalibi yana riƙe da mutanen da suka je makarantar grad kuma 20% suna bin ɗan ƙaramin 3% sliver tare da PhDs.
Don haka shirin soke bashin Biden zai kai ga karɓar kuɗi daga ma'aikacin famfo don biyan bashin lauya. Anan ga raguwa ta matsayin matsayin wanda zai sami kyautar $10,000 daga Joe:
Ba abin mamaki bane, bashin ɗalibi da kuma rabon biyan bashin (kafin hanawar Covid, wanda har yanzu yana aiki kuma ana iya tsawaita shi har zuwa ƙarshen shekara ta Biden) yana karkata sosai zuwa ƙarshen matakin samun kudin shiga.
Don haka, mafi girman kashi 40 na gidaje (waɗanda ke da kuɗin shiga sama da dala 74,000) suna bin kusan kashi 60 cikin 75 na bashin ilimi da ya yi fice kuma suna yin kusan kashi 40% na biyan. Sabanin haka, kashi 20 cikin 10 na gidaje mafi ƙanƙanta suna riƙe da ƙasa da kashi XNUMX cikin XNUMX na bashin da ake bin su kuma suna biyan kashi XNUMX ne kawai.
Haka ma waɗannan alkalumman ba su sami cikakken bambanci na nauyin biyan kuɗi ba. Wannan saboda yawan kaso na masu karɓar bashi suna shiga cikin tsare-tsaren biyan kuɗin shiga (IDR), waɗanda ba sa buƙatar kowane kuɗi daga waɗanda kuɗin shiga ya yi ƙasa da ƙasa kuma yana iyakance biyan kuɗi zuwa kaso mai araha na samun kudin shiga ga wasu.
Sakamakon haka, biyan lamunin da ba a cikin aljihu (pre-moratorium) ya fi mayar da hankali sosai a tsakanin gidaje masu tasowa: Gabaɗaya, kashi 73% na biyan kuɗi a cikin 2019 an ƙidaya su da manyan 40% na gidaje.
A gefe guda kuma, ƙananan gidaje masu karamin karfi da suka yi rajista a cikin IDR ana buƙatar yin kowane biyan kuɗi kwata-kwata, suna bayanin dalilin da yasa kashi 40% na gidajen lamuni na ɗalibai ke da kashi 10% na biyan kuɗi a cikin 2019.
Rabon bashi da na biyan bashin ta quntile na samun shiga, 2019
Kimanin masu ba da lamuni na ɗalibai miliyan 43 a Amurka suna bin haɗin kai kusan dala tiriliyan 1.75 a cikin bashin lamunin ɗalibai na tarayya da masu zaman kansu tun daga watan Agustan 2022, a cewar Babban Bankin Tarayya na St. Louis. Amma lokacin da kuka kalli matsakaicin adadin da ake binta, lamarin a bayyane yake: bashin ɗalibi babban saka hannun jari ne a cikin ƙwararrun ƙwararrun da bai kamata ya zama wajibi na masu biyan haraji ba tun farko.
Kuma yanzu tsakanin kudaden tallafin da aka ba da ruwa, dakatarwar Covid da sokewar dala 10,000 na Joe Biden, ya kai tallafin masu biyan haraji na mafi yawan jama'ar Amurkawa.
Yayin da matsakaicin gidan Amurka da ke da bashin ɗalibai suna bin $58,957, a cewar Nazarin bashin gida na NerdWallet na 2021, ga raguwa ta digirin da aka samu:
| Nau'in bashi | Matsakaicin bashi |
|---|
| Digiri na digiri | $28,950 |
| Bashin lamuni na makaranta | $71,000 |
| Iyaye PLUS bashi bashi | $28,778 |
| Bashin makarantar doka | $145,500 |
| MBA dalibi bashi | $66,300 |
| Bashin makarantar likitanci | $201,490 |
| Dental makaranta bashin | $292,169 |
| bashin makarantar kantin magani | $179,514 |
| bashin daliban makarantar jinya | $19,928: Mataimakin Degree Nursing (ADN) $23,711: Bachelor of Science in Nursing (BSN) $47,321: Jagoran Kimiyya a Nursing (MSN) |
| bashin makarantar dabbobi | $183,302 |
Don haka tambayar ta sake faruwa. Menene ke tattare da wannan shirme na banza don sake rarraba kudaden shiga zuwa saman matakin tattalin arziki da zamantakewa?
Kuna iya amsa wannan tambayar tare da "Nuwamba 8th 2022" kuma a yi da ita, amma hakan ba zai kai ga ƙarshen al'amarin ba.
Gaskiyar ita ce, bayan dala tiriliyan 6 na ayyukan Covid-mafi yawan abin da Fed ke samun kuɗi-babu wasu ƙa'idodin kasafin kuɗi da ya rage a Washington kwata-kwata. Kuma Donald Trump da GOP sun kasance masu laifi kamar Biden.
Tabbas, baiwa Biden bashin dala biliyan 300 na ɗalibi mai jiran gado shine piker idan aka kwatanta da babban soke bashi a ƙarƙashin lamunin PPP na GOP (tsarin kariyar biyan kuɗi).
An bayar da lamuni sama da miliyan 11.8 na Tsarin Kariya na Biyan Kuɗi (PPP) tun daga ranar 30 ga Yuni, 2021, tare da masu ba da bashi 708 sun karɓi matsakaicin adadin lamuni na dala miliyan 10.
Duk da haka na wannan babban fitarwa na "lamuni," bayanan Hukumar Kasuwancin Kasuwanci (SBA) ya nuna cewa game da 94% na lamunin PPP waɗanda aka amince da su a cikin 2020 an gafarta musu har zuwa Disamba 2021!
Gabaɗaya, kawai dala biliyan 28 na duk lamunin PPP, waɗanda suka haura sama da dala biliyan 800, ba a gafarta musu ba har zuwa Fabrairu 2022, wani bincike na Bloomberg News na baya-bayan nan ya nuna. Kuma tun daga watan Afrilun 2022, an gafarta madaidaicin adadin dala $ 95,700.
A takaice, duopoly mai ban sha'awa yana cikin kasuwancin kayan kyauta ta hanyar da ba a iya tunanin shekaru ashirin da suka gabata. Joe Biden shi ne ɗan siyasa na baya-bayan nan da ya tsallake rijiya da baya - barkewar rashin daidaituwar kasafin kuɗi wanda ba shi da alaƙa da yanayin kashe kuɗi na 'yan siyasar dimokraɗiyya fiye da yadda ake yi da hauka na buga kuɗaɗe na manyan bankunan tsakiya waɗanda a zahiri ke tafiyar da harkokin kuɗin ƙasar.
Takardar Balance, 2002-2022
An sake buga shi daga David Stockman's Corner
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David Stockman, Babban Malami a Cibiyar Brownstone, shine marubucin litattafai da yawa akan siyasa, kudi, da tattalin arziki. Shi tsohon dan majalisa ne daga Michigan, kuma tsohon Daraktan Ofishin Gudanarwa da Kasafin Kudi na Majalisa. Yana gudanar da shafin nazari na tushen biyan kuɗi ContraCorner.
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