{"id":26322,"date":"2020-06-01T12:00:03","date_gmt":"2020-06-01T16:00:03","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/pt\/blog\/know-non-u-s-citizens-can-refinance-consolidate-student-debt"},"modified":"2025-12-28T21:59:22","modified_gmt":"2025-12-28T21:59:22","slug":"know-non-u-s-citizens-can-refinance-consolidate-student-debt","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/pt\/blog\/know-non-u-s-citizens-can-refinance-consolidate-student-debt","title":{"rendered":"Como cidad\u00e3os n\u00e3o americanos podem refinanciar e consolidar d\u00edvidas estudantis"},"content":{"rendered":"

Na \u00faltima d\u00e9cada, a d\u00edvida de empr\u00e9stimos estudantis aumentou para $1,4 trilh\u00e3o, e agora existem 44 milh\u00f5es de americanos que devem em m\u00e9dia $29.000 em d\u00edvidas estudantis. Como a grande maioria dos estudantes est\u00e1 endividada, refinanciar empr\u00e9stimos estudantis<\/a> tornou-se extremamente popular. Al\u00e9m disso, o ambiente de baixa taxa de juros tornou o refinanciamento poss\u00edvel para muitos graduados. E em 2017, agora \u00e9 poss\u00edvel para cidad\u00e3os n\u00e3o americanos refinanciar e consolidar d\u00edvidas estudantis atrav\u00e9s de um credor privado como a MPOWER Financing.<\/p>\n

O que significa refinanciar a d\u00edvida estudantil? Durante o refinanciamento, o credor original paga o empr\u00e9stimo existente em troca de um novo empr\u00e9stimo que \u00e9 mais favor\u00e1vel ao graduado. O novo empr\u00e9stimo pode ser mais atraente de v\u00e1rias maneiras. De fato, o novo empr\u00e9stimo pode ter taxas de juros mais baixas e pagamentos mensais mais baixos.<\/p>\n

Normalmente, refinanciar seus empr\u00e9stimos economizar\u00e1 dinheiro a longo prazo. O refinanciamento permite que os mutu\u00e1rios aproveitem as baixas taxas de juros ou mudem de uma taxa de juros vari\u00e1vel para uma taxa fixa mais est\u00e1vel.<\/p>\n

A MPOWER Financing atualmente trabalha com 223 universidades em todo o pa\u00eds, financiando estudantes de baixa renda, estudantes DACA e estudantes internacionais<\/a> que s\u00e3o exclu\u00eddos pelo atual sistema de empr\u00e9stimos estudantis.<\/p>\n

O refinanciamento pode reduzir os pagamentos mensais, estendendo o tempo dispon\u00edvel para pagar o empr\u00e9stimo. Por exemplo, um mutu\u00e1rio pode ter um empr\u00e9stimo de 20 anos que ele tem pago por cinco anos. Ao refinanciar com um prazo de 20 anos, o graduado deu a si mesmo mais cinco anos para pagar o empr\u00e9stimo integralmente. Al\u00e9m disso, os devedores podem estender o prazo de pagamento, o que reduz o tamanho dos pagamentos mensais.<\/p>\n

Refinanciando Seus Empr\u00e9stimos Estudantis<\/h3>\n

De acordo com a pesquisa da LendEDU<\/a>, 96% dos estudantes atuais n\u00e3o sabem que voc\u00ea pode refinanciar a d\u00edvida estudantil. Uma vez que descobrem que \u00e9 uma possibilidade, eles geralmente t\u00eam v\u00e1rias perguntas ap\u00f3s tomar a decis\u00e3o de refinanciar. Existem muitas op\u00e7\u00f5es no setor privado dispon\u00edveis para estudantes endividados. Especificamente, a MPOWER oferece uma op\u00e7\u00e3o de refinanciamento para cidad\u00e3os n\u00e3o americanos que se formaram na faculdade e tamb\u00e9m fornece consultoria financeira.<\/p>\n

Uma vez que o graduado encontrou um plano de refinanciamento, o pr\u00f3ximo passo \u00e9 solicitar online o refinanciamento. O mutu\u00e1rio deve ent\u00e3o esperar por uma resposta dos credores, considerar as ofertas dispon\u00edveis e escolher a op\u00e7\u00e3o mais ideal. Leva em m\u00e9dia 28 dias desde que o candidato \u00e9 aprovado at\u00e9 que o empr\u00e9stimo seja financiado.<\/p>\n

De acordo com a pesquisa da LendEDU, o graduado m\u00e9dio consolida $53.892 em d\u00edvida estudantil. Al\u00e9m disso, a dura\u00e7\u00e3o m\u00e9dia de um empr\u00e9stimo estudantil refinanciado \u00e9 de 10,4 anos. A MPOWER oferece prazos de pagamento de 1 a 15 anos.<\/p>\n

Quase um ter\u00e7o, ou 32,24%, dos empr\u00e9stimos estudantis refinanciados s\u00e3o co-assinados. Na MPOWER, n\u00e3o \u00e9 necess\u00e1rio avalista nem garantia e as taxas de juros fixas come\u00e7am em 7,99%.<\/p>\n

Nem todos os graduados ser\u00e3o aprovados para refinanciamento – na verdade, 43% de todos os devedores estudantis s\u00e3o negados durante o processo de solicita\u00e7\u00e3o.<\/p>\n

Se voc\u00ea est\u00e1 interessado em aprender mais sobre o refinanciamento, clique aqui<\/a> para ver as op\u00e7\u00f5es dispon\u00edveis da MPOWER Financing. A MPOWER \u00e9 especializada em ajudar cidad\u00e3os n\u00e3o americanos a refinanciar e consolidar d\u00edvidas de empr\u00e9stimos estudantis.<\/p>\n


\n

PERGUNTAS FREQUENTES<\/h4>\n

Posso refinanciar meu empr\u00e9stimo estudantil se n\u00e3o me formei?<\/h5>\n

A maioria dos credores exige que voc\u00ea se forme para ser eleg\u00edvel para o refinanciamento de um empr\u00e9stimo. Existem alguns credores que refinanciam para estudantes eleg\u00edveis que n\u00e3o conclu\u00edram seus estudos.<\/p>\n

Voc\u00ea pode consolidar empr\u00e9stimos estudantis sem um diploma?<\/h5>\n

Sim, voc\u00ea pode consolidar seus empr\u00e9stimos federais e privados sem um diploma. No entanto, uma op\u00e7\u00e3o melhor \u00e9 optar por um plano de pagamento baseado na renda.<\/p>\n

Voc\u00ea pode refinanciar empr\u00e9stimos estudantis privados em federais?<\/h5>\n

Voc\u00ea pode refinanciar seus empr\u00e9stimos estudantis federais em privados, mas n\u00e3o h\u00e1 como transferir empr\u00e9stimos privados para empr\u00e9stimos federais.<\/p>\n


\n

Mike Brown \u00e9 um escritor de equipe em LendEDU<\/a>, um site de educa\u00e7\u00e3o financeira e finan\u00e7as pessoais. Email: brown@lendedu.com<\/a><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"

Na \u00faltima d\u00e9cada, a d\u00edvida de empr\u00e9stimos estudantis aumentou para $1,4 trilh\u00e3o, e agora existem 44 milh\u00f5es de americanos que devem em m\u00e9dia $29.000 em d\u00edvidas estudantis. Como a grande maioria dos estudantes est\u00e1…<\/p>\n","protected":false},"author":15,"featured_media":6644,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,7],"tags":[87,88],"class_list":["post-26322","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","category-visa-and-immigration-tips","tag-refinancing","tag-student-loan"],"acf":[],"yoast_head":"\nRefinanciamento e Consolida\u00e7\u00e3o de D\u00edvida de Empr\u00e9stimo Estudantil | MPOWER Financing<\/title>\n<meta name=\"description\" content=\"Voc\u00ea sabia que cidad\u00e3os n\u00e3o americanos podem refinanciar e consolidar a d\u00edvida estudantil? 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