{"id":25697,"date":"2016-04-29T09:42:33","date_gmt":"2016-04-29T13:42:33","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/healthy-wealthy-wise-student-loan-edition\/"},"modified":"2025-08-08T08:08:31","modified_gmt":"2025-08-08T08:08:31","slug":"healthy-wealthy-wise-student-loan-edition","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/healthy-wealthy-wise-student-loan-edition\/","title":{"rendered":"\u5065\u5eb7\uff0c\u8d22\u5bcc\u548c\u667a\u6167\uff1a\u5b66\u751f\u52a9\u5b66\u91d1\u7248"},"content":{"rendered":"

\u7ba1\u7406\u4f60\u7684\u8d22\u52a1\u53ef\u80fd\u4f1a\u8ba9\u4f60\u611f\u5230\u6050\u60e7\uff0c\u5c24\u5176\u662f\u5982\u679c\u4f60\u662f\u4e00\u4e2a\u6b63\u5728\u5f00\u59cb\u72ec\u7acb\u8d22\u52a1\u7684\u5b66\u751f\u6216\u8005\u521a\u6bd5\u4e1a\u7684\u4eba\u3002\u73b0\u5728\u4f60\u9700\u8981\u5e73\u8861\u7684\u4e8b\u60c5\u5f88\u591a – \u5b66\u6821\uff0c\u5de5\u4f5c\uff0c\u670b\u53cb\uff0c\u5bb6\u5ead\uff0c\u7231\u597d – \u4f60\u7684\u8d22\u52a1\u5065\u5eb7\u53ef\u80fd\u4e0d\u662f\u6700\u4f18\u5148\u8003\u8651\u7684\u4e8b\u60c5\u3002\u4f60\u53ef\u80fd\u8ba4\u4e3a\u7b49\u4f60\u5e74\u7eaa\u5927\u4e00\u4e9b\uff0c\u66f4\u660e\u667a\u4e00\u4e9b\uff0c\u4f60\u5c31\u4f1a\u795e\u5947\u5730\u5bf9\u4f60\u7684\u8d22\u52a1\u6709\u4e00\u4e2a\u575a\u5b9e\u7684\u638c\u63e1\u3002\u4f46\u662f\u7406\u89e3\u4f60\u7684\u8d22\u52a1\u5e76\u4e14\u73b0\u5728\u5c31\u5f00\u59cb\u6574\u7406\u5b83\u4eec\u5c06\u4f1a\u5728\u4ee5\u540e\uff0c\u5f53\u7ba1\u7406\u4f60\u7684\u8d22\u52a1\u4e8b\u52a1\u53d8\u5f97\u66f4\u52a0\u590d\u6742\u7684\u65f6\u5019\uff0c\u5927\u6709\u5e2e\u52a9\u3002<\/p>\n

\"bankruptcy\"<\/a>
…\u4f60\u4e0d\u5fc5\u8fd9\u6837\u3002<\/figcaption><\/figure>\n

\u8fd9\u7bc7\u535a\u5ba2\u6587\u7ae0\u662f\u4e00\u7cfb\u5217\u4e3a\u4e86\u8d22\u52a1\u5065\u5eb7\u751f\u6d3b\u5960\u5b9a\u57fa\u7840\u7684\u6587\u7ae0\u7684\u7b2c\u4e00\u7bc7\u3002\u4f60\u8d8a\u65e9\u5f00\u59cb\u5efa\u7acb\u4f60\u7684\u8d22\u52a1\u6559\u80b2\uff0c\u4f60\u5c31\u4f1a\u53d8\u5f97\u8d8a\u6709\u529b\u91cf\u3002\u8fd9\u610f\u5473\u7740\u4f60\u53ef\u4ee5\u907f\u514d\u8bb8\u591a\u5343\u79a7\u4e00\u4ee3\u4eba\u5e38\u72af\u7684\u9519\u8bef\u3002\u4e3a\u4e86\u5e2e\u52a9\u4f60\u5f00\u59cb\uff0c\u6211\u4eec\u5728\u4e0b\u9762\u5217\u51fa\u4e86\u6709\u7528\u7684\u52a9\u5b66\u91d1\u672f\u8bed\u3002<\/p>\n

 <\/p>\n

\u52a9\u5b66\u91d1\u672f\u8bed\uff08\u4ee5\u53ca\u4e00\u4e9b\u5176\u4ed6\u6709\u7528\u7684\u8d22\u52a1\u672f\u8bed\uff09<\/h4>\n

 <\/p>\n

\u7d2f\u79ef\u5229\u606f:<\/b> \u7d2f\u79ef\u5229\u606f\u662f\u503a\u5238\u6216\u8d37\u6b3e\u7684\u5229\u606f\uff0c\u5728\u8d37\u6b3e\u88ab\u53d1\u653e\u6216\u672c\u91d1\u6295\u8d44\u88ab\u505a\u51fa\u540e\u5f00\u59cb\u7d2f\u79ef\u3002<\/p>\n

ACH:<\/b> ACH\uff0c\u6216\u8005\u81ea\u52a8\u6e05\u7b97\u6240\uff0c\u662f\u4e00\u4e2a\u7528\u6765\u81ea\u52a8\u5904\u7406\u8d22\u52a1\u4ea4\u6613\u7684\u7535\u5b50\u7f51\u7edc\u3002<\/p>\n

\u8d44\u672c\u5316:<\/b> \u8d44\u672c\u5316\u662f\u672a\u652f\u4ed8\u7684\u5229\u606f\u88ab\u6dfb\u52a0\u5230\u8d37\u6b3e\u7684\u672c\u91d1\u4f59\u989d\u4e2d\u3002\u672a\u6765\u7684\u5229\u606f\u662f\u57fa\u4e8e\u589e\u52a0\u7684\u4f59\u989d\u8ba1\u7b97\u7684\uff0c\u53ef\u80fd\u4f1a\u589e\u52a0\u6708\u4ed8\u6b3e\u989d\u548c\u8d37\u6b3e\u671f\u95f4\u603b\u5171\u507f\u8fd8\u7684\u91d1\u989d\u3002<\/p>\n

\u5171\u540c\u7b7e\u7f72\u4eba:<\/b> \u5171\u540c\u7b7e\u7f72\u4eba\u662f\u4e00\u4e2a\u4e2a\u4eba\uff08\u901a\u5e38\u662f\u7236\u6bcd\uff0c\u914d\u5076\uff0c\u6216\u8005\u5176\u4ed6\u4eb2\u5bc6\u7684\u670b\u53cb\u6216\u5bb6\u5ead\u6210\u5458\uff09\u4ed6\u4eec\u627f\u8bfa\u5982\u679c\u4f60\u6ca1\u6709\u6216\u4e0d\u80fd\u507f\u8fd8\u8d37\u6b3e\uff0c\u4ed6\u4eec\u4f1a\u507f\u8fd8\u3002<\/p>\n

\n

MPOWER Pro-tip 1<\/i><\/b><\/p>\n

MPOWER\u52a9\u5b66\u91d1\u6c38\u8fdc\u4e0d\u9700\u8981\u5171\u540c\u7b7e\u7f72\u4eba – \u5982\u679c\u4f60\u6b63\u5728\u5c1d\u8bd5\u7533\u8bf7\u4e00\u4e2a\u4e0d\u9700\u8981\u5171\u540c\u7b7e\u7f72\u4eba\u7684\u8d37\u6b3e\uff0c\u4e00\u5b9a\u8981\u8054\u7cfb\u6211\u4eec<\/a>\uff01<\/p>\n<\/div>\n

\u5408\u5e76:<\/b> \u5408\u5e76\u662f\u5c06\u591a\u4e2a\u8d37\u6b3e\u5408\u5e76\u6210\u4e00\u4e2a\u5927\u8d37\u6b3e\u7684\u8fc7\u7a0b\u3002\u4f8b\u5982\uff0c\u5982\u679c\u4f60\u6709\u4e09\u4e2a\u52a9\u5b66\u91d1<\/a>\uff0c\u4f60\u53ef\u4ee5\u5c06\u5b83\u4eec\u5408\u5e76\u6210\u4e00\u4e2a\u3002<\/p>\n

\u4fe1\u7528\u8bc4\u5206\uff1a<\/b>\u4fe1\u7528\u8bc4\u5206\u662f\u4e00\u4e2a\u4ecb\u4e8e300\u548c850\u4e4b\u95f4\u7684\u6570\u5b57\uff0c\u7528\u4e8e\u8861\u91cf\u60a8\u7684\u4fe1\u7528\u98ce\u9669\u3002\u8fd9\u4e2a\u8bc4\u5206\u4f5c\u4e3a\u4e00\u4e2a\u6307\u6807\uff0c\u5411\u8d37\u6b3e\u4eba\u663e\u793a\u60a8\u5c65\u884c\u8d22\u52a1\u627f\u8bfa\u7684\u53ef\u80fd\u6027\u3002\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\u8d8a\u9ad8\uff0c\u8d8a\u597d\u3002<\/p>\n

\n

MPOWER\u4e13\u4e1a\u63d0\u793a2<\/i><\/b><\/p>\n

\u5efa\u7acb\u826f\u597d\u7684\u4fe1\u7528\u8bc4\u5206\u975e\u5e38\u91cd\u8981\u3002\u60a8\u53ef\u4ee5\u901a\u8fc7\u5b9a\u671f\u507f\u8fd8\u4fe1\u7528\u5361\u548c\u52a9\u5b66\u91d1\u6765\u63d0\u9ad8\u4fe1\u7528\u8bc4\u5206\u3002\u67e5\u770bNerdWallet\u5173\u4e8e\u5982\u4f55\u5efa\u7acb\u4fe1\u7528\u7684\u6587\u7ae0\uff0c\u4ee5\u83b7\u53d6\u66f4\u591a\u6709\u7528\u7684\u5efa\u8bae<\/a>\u3002<\/p>\n

MPOWER\u4e13\u4e1a\u63d0\u793a3<\/i><\/b><\/p>\n

\u6bcf\u5e74\u81f3\u5c11\u68c0\u67e5\u4e00\u6b21\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\u4ee5\u786e\u4fdd\u5176\u51c6\u786e\u65e0\u8bef\u662f\u4e2a\u597d\u4e3b\u610f\u3002\u60a8\u53ef\u4ee5\u5728www.annualcreditreport.com<\/a>\u4e0a\u514d\u8d39\u8fdb\u884c\u6b64\u64cd\u4f5c\uff0c\u8be5\u7f51\u7ad9\u63d0\u4f9b\u4e86\u4e09\u5bb6\u4e3b\u8981\u7684\u4fe1\u7528\u62a5\u544a\u673a\u6784\uff1aExperian\uff0cEquifax\u548cTransUnion\u7684\u670d\u52a1\u3002<\/p>\n<\/div>\n

\u5ef6\u671f\u671f\u9650\uff1a<\/b>\u5ef6\u671f\u671f\u9650\u662f\u6307\u501f\u6b3e\u4eba\u4e0d\u5fc5\u652f\u4ed8\u52a9\u5b66\u91d1\u5229\u606f\u6216\u672c\u91d1\u7684\u6307\u5b9a\u65f6\u95f4\u3002\u5b66\u751f\u52a9\u5b66\u91d1\u7684\u5ef6\u671f\u5728\u5b66\u751f\u4ecd\u5728\u5b66\u6821\u65f6\u662f\u5e38\u89c1\u7684\u3002\u4e5f\u79f0\u4e3a\u5ef6\u671f\u3002<\/p>\n

\u56fa\u5b9a\u5229\u7387\u52a9\u5b66\u91d1\uff1a<\/b>\u56fa\u5b9a\u5229\u7387\u52a9\u5b66\u91d1\u7684\u5229\u7387\u4e0d\u4f1a\u968f\u65f6\u95f4\u53d8\u5316\u3002\u5f53\u60a8\u7533\u8bf7\u56fa\u5b9a\u5229\u7387\u52a9\u5b66\u91d1\u65f6\uff0c\u60a8\u4f1a\u6e05\u695a\u5730\u77e5\u9053\u5728\u52a9\u5b66\u91d1\u671f\u9650\u5185\u60a8\u9700\u8981\u652f\u4ed8\u7684\u5229\u606f\u603b\u989d\u3002<\/p>\n

\u5bbd\u9650\u671f\uff1a<\/b>\u5bbd\u9650\u671f\u662f\u6307\u8d37\u6b3e\u4eba\u7ed9\u4e88\u501f\u6b3e\u4eba\u5728\u9700\u8981\u5f00\u59cb\u507f\u8fd8\u672c\u91d1\u4e4b\u524d\u7684\u6307\u5b9a\u65f6\u95f4\u3002<\/p>\n

\u53ea\u4ed8\u5229\u606f\uff1a<\/b>\u53ea\u4ed8\u5229\u606f\u662f\u6307\u501f\u6b3e\u4eba\u53ea\u652f\u4ed8\u52a9\u5b66\u91d1\u7684\u5229\u606f\u3002\u901a\u5e38\uff0c\u8fd9\u79cd\u652f\u4ed8\u65b9\u5f0f\u53ea\u5141\u8bb8\u5728\u56fa\u5b9a\u7684\u65f6\u95f4\u5185\u4f7f\u7528\uff0c\u7136\u540e\u501f\u6b3e\u4eba\u9700\u8981\u5f00\u59cb\u507f\u8fd8\u90e8\u5206\u52a9\u5b66\u91d1\u672c\u91d1\uff0c\u4ee5\u53ca\u5229\u606f\u3002<\/p>\n

\u53d1\u653e\u8d39\u7528\uff1a<\/b>\u53d1\u653e\u8d39\u7528\u662f\u8d37\u6b3e\u4eba\u4e3a\u5904\u7406\u52a9\u5b66\u91d1\u7533\u8bf7\u800c\u6536\u53d6\u7684\u8d39\u7528\u3002\u901a\u5e38\uff0c\u53d1\u653e\u8d39\u7528\u662f\u52a9\u5b66\u91d1\u603b\u989d\u7684\u4e00\u90e8\u5206\u3002<\/p>\n

\u672c\u91d1\uff1a<\/b>\u672c\u91d1\u662f\u6307\u52a9\u5b66\u91d1\u7684\u501f\u6b3e\u91d1\u989d\uff0c\u4e0d\u5305\u62ec\u5229\u606f\u3002<\/p>\n

\u518d\u878d\u8d44:<\/b> \u518d\u878d\u8d44\u662f\u7528\u65b0\u7684\u3001\u66f4\u4f18\u60e0\u7684\u52a9\u5b66\u91d1\u66ff\u6362\u60a8\u5f53\u524d\u7684\u52a9\u5b66\u91d1\u7684\u884c\u4e3a\u3002<\/p>\n

\u8fd8\u6b3e\u671f\u9650:<\/b> \u52a9\u5b66\u91d1\u5fc5\u987b\u507f\u8fd8\u7684\u6700\u957f\u65f6\u95f4\u671f\u9650\u3002<\/p>\n

\n

MPOWER Pro-tip 4<\/i><\/b><\/p>\n

\u4f7f\u7528\u5b66\u751f\u52a9\u5b66\u91d1\u8fd8\u6b3e\u8ba1\u7b97\u5668\uff0c\u6bd4\u5982www.smartborrowing.org\u4e0a\u7684\u90a3\u4e2a<\/a>\uff0c\u6765\u8ba1\u7b97\u4f60\u7684\u52a9\u5b66\u91d1\u8fd8\u6b3e\u671f\u9650\u662f\u4ec0\u4e48\u6837\u5b50\u3002<\/p>\n<\/div>\n

\u6d6e\u52a8\u5229\u7387\u52a9\u5b66\u91d1:<\/b> \u6d6e\u52a8\u5229\u7387\u52a9\u5b66\u91d1\u7684\u5229\u7387\u4f1a\u968f\u7740\u5176\u4ed6\u5f53\u524d\u4e3b\u5bfc\u5229\u7387\u7684\u53d8\u5316\u800c\u53d8\u5316\u3002<\/p>\n

\n
\n

\u52a9\u5b66\u91d1\u793a\u4f8b\u5206\u89e3<\/h4>\n

\u4e3a\u4e86\u5c06\u8fd9\u4e9b\u672f\u8bed\u653e\u5165\u4e0a\u4e0b\u6587\u4e2d\uff0c\u8fd9\u91cc\u6709\u4e00\u4e2a10\u5e74\u671f\u7684\u5b66\u751f\u52a9\u5b66\u91d1\u793a\u4f8b\uff0c\u56fa\u5b9a\u5229\u7387\u4e3a7.99%\uff0c\u5e76\u4e14\u5728\u6bd5\u4e1a\u524d\u4e24\u5e74\u6536\u53d65%\u7684\u53d1\u8d77\u8d39<\/i>\u3002\u5bf9\u4e8e\u8fd9\u4e2a\u52a9\u5b66\u91d1\uff0c\u501f\u6b3e\u4eba\u5728\u5b66\u6821\u671f\u95f4\u5c06\u8fdb\u884c\u4ec5\u5229\u606f\u7684\u652f\u4ed8<\/i>\uff0c\u7136\u540e\u5728\u6bd5\u4e1a\u540e\u5c06\u8fdb\u884c\u5229\u606f+\u672c\u91d1\u7684\u652f\u4ed8\u3002<\/p>\n

\"mpower-loan-example\"<\/a><\/p>\n<\/div>\n

\n

\u5982\u679c\u4f60\u6709\u4efb\u4f55\u95ee\u9898\uff0c\u6211\u4eec\u59cb\u7ec8\u5728\u8fd9\u91cc\u4e3a\u4f60\u63d0\u4f9b\u5e2e\u52a9\u3002<\/p>\n

\u611f\u8c22www.investopedia.com<\/a>\u5e2e\u52a9\u5b9a\u4e49\u8fd9\u4e9b\u672f\u8bed\uff01<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"

\u7ba1\u7406\u4f60\u7684\u8d22\u52a1\u53ef\u80fd\u4f1a\u8ba9\u4f60\u611f\u5230\u6050\u60e7\uff0c\u5c24\u5176\u662f\u5982\u679c\u4f60\u662f\u4e00\u4e2a\u6b63\u5728\u5f00\u59cb\u72ec\u7acb\u8d22\u52a1\u7684\u5b66\u751f\u6216\u8005\u521a\u6bd5\u4e1a\u7684\u4eba\u3002\u73b0\u5728\u4f60\u9700\u8981\u5e73\u8861\u7684\u4e8b\u60c5\u5f88\u591a – \u5b66\u6821\uff0c\u5de5\u4f5c\uff0c\u670b\u53cb\uff0c\u5bb6\u5ead\uff0c\u7231\u597d – \u4f60\u7684\u8d22\u52a1\u5065\u5eb7\u53ef\u80fd\u4e0d\u662f\u6700\u4f18\u5148\u8003\u8651\u7684\u4e8b\u60c5\u3002\u4f60\u53ef\u80fd\u8ba4\u4e3a\u7b49\u4f60\u5e74\u7eaa\u5927\u4e00\u4e9b\uff0c\u66f4\u660e\u667a\u4e00\u4e9b\uff0c\u4f60\u5c31\u4f1a\u795e\u5947\u5730\u5bf9\u4f60\u7684\u8d22\u52a1\u6709\u4e00\u4e2a\u575a\u5b9e\u7684\u638c\u63e1\u3002\u4f46\u662f\u7406\u89e3\u4f60\u7684\u8d22\u52a1\u5e76\u4e14\u73b0\u5728\u5c31\u5f00\u59cb\u6574\u7406\u5b83\u4eec\u5c06\u4f1a\u5728\u4ee5\u540e\uff0c\u5f53\u7ba1\u7406\u4f60\u7684\u8d22\u52a1\u4e8b\u52a1\u53d8\u5f97\u66f4\u52a0\u590d\u6742\u7684\u65f6\u5019\uff0c\u5927\u6709\u5e2e\u52a9\u3002 …\u4f60\u4e0d\u5fc5\u8fd9\u6837\u3002 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